ABS-15G

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM ABS-15G

ASSET-BACKED SECURITIZER
REPORT PURSUANT TO SECTION 15G OF
THE SECURITIES EXCHANGE ACT OF 1934

j.p. morgan acceptance corporation ii

Check the appropriate box to indicate the filing obligation which this form is intended to satisfy:

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

Name and telephone number, including area code, of the person to contact in connection with this filing

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐

☒ Rule 15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2)

Central Index Key Number of depositor: 0001142786

J.P. Morgan Mortgage Trust 2021-6
(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): ________________

Central Index Key Number of underwriter (if applicable): ________________

Ian Sterling, (212) 648-0364

Name and telephone number, including area code, of the person to contact in connection with this filing

PART I: REPRESENTATION AND WARRANTY INFORMATION

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.02 Periodic Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

Item 1.03 Notice of Termination of Duty to File Reports under Rule l5Ga-1

Not Applicable

PART II – FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS

Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibits to this Form ABS-15G. Please see the Exhibit Index for the related information.

EXHIBIT INDEX

99.1	AMC Diligence, LLC (“AMC”) Form ABS Due Diligence-15E
99.2	AMC Data Compare
99.3	AMC Exception Report
99.4	AMC Rating Agency Grades
99.5	AMC Valuation Summary
99.6	Clayton Services LLC (“Clayton”) Due Diligence Narrative
99.7	Clayton Data Compare
99.8	Clayton Exception Report
99.9	Clayton Rating Agency Grades
99.10	Clayton Valuation Summary
99.11	Wipro Opus Risk Solutions, LLC (“Opus”) Due Diligence Narrative
99.12	Opus Data Compare
99.13	Opus Exception Report
99.14	Opus Rating Agency Grades
99.15	Opus Valuation Summary
99.16	Digital Risk, LLC Narrative
99.17	Digital Risk Data Integrity Report
99.18	Digital Risk Rebuttal Findings Report
99.19	Digital Risk Rating Agency Report
99.20	Digital Risk Valuation Report
99.21	Digital Risk QM Status Report
99.22	Deloitte & Touche LLP Independent Accountants’ Report on Applying Agreed-Upon Procedures

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	j.p. morgan acceptance corporation ii
	(Depositor)
Date:  April 19, 2021		/s/ Michael Brown
	Name:	Michael Brown
	Title:	Managing Director

EX-99.1

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.1

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM ABS DUE DILIGENCE-15E

CERTIFICATION OF PROVIDER OF THIRD PARTY DUE DILIGENCE SERVICES FOR ASSET-BACKED SECURITIES

Item 1: Identity of the person providing third party due diligence services

Legal Name:   AMC Diligence, LLC                                                                                                 

Business Name (if Different):                                                                                                           

Principal Business Address:   150 East 52^nd Street, Suite 4002, New York, NY 10022               

Item 2: Identity of the person who paid the person to provide due diligence services

Legal Name:   J.P. Morgan Mortgage Acquisition Corp.                                                               

Business Name (If f Different):                                                                                                        

Principal Business Address:  383 Madison Avenue, 8^th Floor New York, NY 10179                

Item 3: Credit rating criteria

Identity of NRSRO	Title and Date of Criteria
DBRS, Inc.	Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 2020
Fitch Ratings, Inc.	U.S. RMBS Ratings Criteria, May 11, 2020
Kroll Bond Rating Agency, LLC	U.S. RMBS Rating Methodology, February 2, 2021
Moody's Investors Service, Inc.	Moody’s Approach to Rating U.S. Prime RMBS, November 15, 2018
S&P Global Ratings	Methodology and Assumptions for Rating U.S. RMBS Issued 2009 and Later dated February 22, 2018

Item 4: Description of the due diligence performed

See attached.

Item 5: Summary of findings and conclusions of review

See attached.

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CERTIFICATION

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects on and as of the date hereof.

Name of Person Identified in Item 1:     AMC Diligence, LLC                               

By:                       Tim Van Houtte                    

Signature:            /s/ Tim Van Houtte          

Date:                    April 16, 2021                       

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Item 4: Description of the due diligence performed

(1) Type of assets that were reviewed.

AMC Diligence, LLC (“AMC”) performed certain due diligence services described below on conforming and non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of J.P. Morgan Mortgage Acquisition Corp. (“Client”) during multiple transactions from December 2019 to March 2021 via files imaged and provided by JPMorgan Chase Bank, National Association for review (the “Review”).

The loans in the Review carried origination dates between November 2019 and February 2021.

(2) Sample size of the assets reviewed.

The Review was conducted on one thousand four hundred eighty-two (1,482) mortgage loans with an aggregate original principal balance of approximately $1,390.437 million. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

(3) Determination of the sample size and computation.

AMC is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by AMC.

(4) Quality or integrity of information or data about the assets: review and methodology.

AMC compared data fields on the bid tape provided by Client to the data found in the actual file as captured by AMC. This comparison, when data was available, included the following data fields:

# of Units	Borrower Last Name	LTV Valuation Value	Original Loan Amount	Refi Purpose
Amortization Term	City	Margin	Original LTV	Representative FICO
Appraisal Date	Coborrower Qualifying FICO	Note Date	Original P&I	Street
Appraised Value	Contract Sales Price	Occupancy	Other Financing Junior Total Original Loan Amount	Value Used For LTV Calculation
Borrower First Name	Interest Only	Original CLTV	Product Description	Zip
Borrower FTHB	Investor: Qualifying Total Debt Ratio	Original Interest Rate	Property Type

Additionally, AMC verified (i) listed borrowers signed documents requiring signature, (ii) borrowers signing documents were eighteen (18) years or older at the time of the mortgage loan origination, (iii) that all riders required by the terms of the mortgage and mortgage note were attached to the respective document, (iv) that social security numbers across documents were consistent, and (v) debt-to-income ratio (“DTI(s)”), and/or loan-to-value ratios (“LTV(s)”) used in the assessment of conformity guidelines.

(5) Origination of the assets and conformity to stated underwriting or credit extension guidelines, standards, criteria or other requirements: review and methodology.

AMC reviewed asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to AMC and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

Credit Application: For the Credit Application, AMC verified that the application: (i) was signed by all listed borrowers, (ii) was substantially filled out, (iii) contained all known borrower-owned properties on the Real Estate Owned section 2, and (iv) included the borrower’s employment history.

Credit Report: AMC’s review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower’s credit profile adhered to guidelines. In order to make this determination, AMC: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered data required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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Employment and Income: AMC determined whether applicable supporting employment and income documentation required by the guidelines, and as applicable Appendix Q or ATR, was present in the mortgage loan file and where possible, wasn’t fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, and (vi) IRS tax transcripts.

Asset Review: AMC assessed whether the asset documentation required by the guidelines, and as applicable, Appendix Q or ATR, was present in the mortgage loan file. Utilizing this documentation, AMC completed a review of the reserve calculation and any large deposits. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may have included: (i) verification-of-deposit (“VOD(s)”), (ii) depository account statements, (iii) stock or security account statements, (iv) gift funds, (v) escrow or earnest money deposits, and (vi) settlement statements or other evidence of conveyance and transfer of funds (if a sale of assets was involved).

Hazard/Flood Insurance/Taxes: A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender’s name and “its successors and assigns,”, (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income (“DTI”) calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched and that taxes were current, (v) confirmed that the flood certification was for the correct borrower, property, lender and mortgage loan number and was a “Life of Loan” certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

DU/LP/Zippy Review

When a DU/LP/Zippy form is provided, AMC (i) confirmed and captured recommendations and (ii) verified that (a) red flags listed on the DU/LP/Zippy were addressed by the underwriter, (b) listed credit conditions were cleared by the underwriter, and (c) the final DU/LP/Zippy in the file contained data that matched the data gathered from documents in the file. All mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and the AUS findings.

Occupancy Review: AMC confirmed the property occupancy is consistent with the mortgage loan approval and borrowers’ application disclosure based solely on information contained in the mortgage loan file and any fraud report obtained in connection with the mortgage loan.

Guideline Review: During the course of the review, AMC confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

Fraud Review: AMC reviewed fraud report results in each mortgage loan file, to the extent present, in conjunction with source documents found in the mortgage loan file to assess the likelihood of any misrepresentations associated with the origination of the mortgage loan. If the mortgage loan file did not contain a fraud report and the counterparty did not produce one, AMC conditioned the mortgage loan for the missing fraud report product.

If a report was present, AMC reviewed the report for (i) any name variations for the borrowers, (ii) any social security number variations for the borrowers, (iii) any potential occupancy issues based on the borrower’s address history, (iv) any noted employment issues, and (v) any additional consumers associated with the borrower’s profile. If any findings were noted, AMC confirmed that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

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Title Review: AMC’s review included a verification of whether the appropriate vestee was on the title documentation (if a purchase, the seller; if a refinance, the borrower) and that the title commitment addressed issues such as assessments; covenants, conditions and restrictions; access problems; vicinity of property to military airports; prior leases; court orders/divorce decrees; public probate issues; foreclosures; bankruptcies; judgment liens; state and federal tax liens; environmental liens, and oil/gas leases.

Additional Review of Mortgage Loan File: AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area(s) listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a “due on sale” clause, (ii) mortgagor’s requirement to maintain adequate insurance at the mortgagor’s own expense, and (iii) the holder’s right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

(6) Value of collateral securing the assets: review and methodology.

AMC’s review included a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. AMC’s review included verifying the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an “as is” basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, AMC’s review (i) captured the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensured that such comparable properties are within standard appraisal guidelines; (ii) confirmed the property value and square footage of the subject property was bracketed by comparable properties, (iii) verified that comparable properties used are similar in size, style, and location to the subject, and (iv) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of AMC’s review included (i) verifying that the address matched the mortgage note, (ii) verifying that the appraisal  and the policies and procedures with regard to appraisal, including the appropriate level of review, when originating the mortgage loan, were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying client of same, (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client’s specific valuation waterfall process.

If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker’s price opinions, and full appraisals. If the property valuation products included in AMC’s review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

AMC also considered processes that included Fannie Mae’s Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE’s day one RW&E relief. Freddie Mac’s Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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(7) Compliance of the originator of the assets with federal, state and local laws and regulations: review and methodology.

Please be advised that AMC did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by AMC are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which AMC is relying in reaching such findings.

With regard to TILA-RESPA Integrated Disclosure (“TRID”) testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope") and (ii) outside counsel’s interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau (“CFPB”) which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC’s suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

Please be further advised that AMC does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by AMC do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to AMC. Information contained in any AMC report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged AMC to prepare its reports pursuant to its instructions and guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by AMC are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. AMC does not make any representation or warranty as to the value of any mortgage loans or mortgage loans collateral that has been reviewed by AMC.

AMC reviewed each residential mortgage loan to determine, as applicable, to the extent possible and subject to the caveats below, whether the mortgage loan complies with:

(I) Federal Truth in Lending Act (“TILA”), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

a) Rescission (§1026.23):

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual % rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

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vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

b) TIL Disclosure (§§1026.17, 18 and 19) as applicable for loans with application dates prior to October 3, 2015:

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

c) Tolerances (§§1026.18, 22 and 23):

i) inaccurate Annual % Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

d) High-cost Mortgage (§§1026.31, 32 and 33):

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

e) Higher-priced Mortgage Loan (§1026.35):

i) APR threshold test; and

ii) compliance with the escrow account and appraisal requirements.

f) With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):

i) review relevant documentation to determine if compensation to a Loan Originator was based on a term of the transaction;

ii) review relevant document to determine if there was dual compensation; and

iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

(1) Note: Where available, AMC reviewed the relevant documents in the mortgage loan file and, as necessary, attempted to obtain the mortgage loan originator compensation agreement and/or governing policies and procedures of the mortgage loan originator. In the absence of the mortgage loan originator compensation agreement and/or governing policies and procedures, AMC’s review was limited to formal general statements of entity compliance provided by the mortgage loan originator, if any. These statements, for example, were in the form of a letter signed by the seller correspondent/mortgage loan originator or representations in the mortgage loan purchase agreement between the Client and seller correspondent.

g) Homeownership counseling (§1026.36):

i) determine if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first time homebuyer that contains a negative amortization feature.

h) Mandatory Arbitration Clauses (§1026.36):

i) determine if the terms of the mortgage loan require arbitration or any other non-judicial procedure to resolve any controversy or settle any claims arising out of the transaction.

i) Prohibition on Financing Credit Insurance (§1026.36):

i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

j) Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):

i) review for presence of mortgage loan originator organization and individual mortgage loan originator name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract, security instrument, Loan Estimate and Closing Disclosure; and

ii) verify the data against the NMLSR database, as available.

(II) Federal Real Estate Settlement Procedures Act (“RESPA”), as implemented by Regulation X, 12 C.F.R. Part 1024, as set forth below:

a) Good Faith Estimate (GFE) (§1024.7) as applicable for loans with application dates prior to October 3, 2015:

i) confirm the presence of the current GFE form in effect at the time of origination;

ii) verify GFE was provided to the borrower(s) within three (3) business days of application;

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iii) verify all sections of the GFE were accurately completed and that information was reflected in the appropriate locations;

iv) determine whether a valid and properly documented changed circumstance accompanies any changes to mortgage loan terms and/or fees on any revised GFEs over the applicable tolerance(s); and

v) confirm the presence of a settlement service provider list, as applicable.

b) Final HUD-1/A Settlement Statement (HUD) (§1024.8) as applicable for loans with application dates prior to October 3, 2015:

i) confirm current applicable HUD form was provided;

ii) determination that the mortgage loan file contains the final HUD;

iii) escrow deposit on the final HUD matches the initial escrow statement amount; and

iv) verify all sections of the final HUD were accurately completed and that information was reflected in the appropriate locations.

c) GFE and Final HUD Comparison (§1024.7) as applicable for loans with application dates prior to October 3, 2015:

i) review changes disclosed on the last GFE provided to the borrower(s) to determine that such changes were within the allowed tolerances;

ii) confirm mortgage loan terms and fees disclosed on the third page of the final HUD accurately reflect how such items were disclosed on the referenced GFE, page 2 of the final HUD and mortgage loan documents; and

iii) review any documented cure of a tolerance violation to determine that the proper reimbursement was made and a revised HUD was provided at or within 30 days of settlement.

d) Additional RESPA/Regulation X Disclosures and Requirements (§1024.6, 15, 17, 20, and 33):

i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

ii) verify the Servicing Disclosure Statement was provided to the borrower(s) within three (3) business days of application;

iii) confirm the presence of the Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

iv) confirm the Special Information Booklet was provided within three (3) business days of application;

v) confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

vi) confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business days of application;

vii) confirm the Affiliated Business Arrangement Disclosure is executed;

viii) confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

ix) confirm that the creditor provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

x) confirm that the list of homeownership counselling organizations was obtained no earlier than 30 days prior to when the list was provided to the mortgage loan applicant.

(III) Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):

a) Loan Estimate (LE) (§§1026.19 and 37):

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

vi) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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viii) confirm borrower received LE not later than four (4) business days prior to consummation; and

ix) confirm LE was not provided to the borrower on or after the date of the CD.

b) Closing Disclosure (CD) (§§1026.19 and 38):

i) confirm the presence of CD for applications on or after October 3, 2015;

ii) confirm the borrower received CD at least three (3) business days prior to consummation, or that such period was waived due to a bona fide financial emergency;

iii) confirm that certain sections of each CD determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

iv) confirm that a revised CD was received in a timely manner if the initial or any revised CD became inaccurate;

v) identify tolerance violations based on the charges disclosed on the initial and interim LE’s, initial CD, and reflected on the final CD;

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD, confirm that the creditor cured the violations no later than 60 days after consummation, or within 60 days of discovery; and

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group (“SFIG”) has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

c) Your Home Loan Toolkit (§1026.19):

i) confirm the presence of Your Home Loan Toolkit in the mortgage loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower; and

ii) confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business days after receipt of application.

(IV) Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank”) amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:

a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

c) Qualified Mortgages (QM) (12 C.F.R. 1026.43(e) (including qualified mortgages as separately defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.); and

d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

AMC reviews applicable mortgage loans for compliance with the ATR and QM rule requirements based upon each mortgage loan’s originator designation (Safe Harbor QM, Higher-priced QM, Temporary SHQM, Temporary HPQM, Non-QM, Exempt from ATR). AMC determines the mortgage loan’s status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, AMC notes as a material exception if the due diligence findings do not confirm the originator’s mortgage loan designation. Additionally, AMC notes if an originator mortgage loan designation was not provided.

Qualified Mortgage

With respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file: (i) the mortgage loan contains risky mortgage loan features and terms (e.g. an interest only feature or negative amortization), (ii) the “points and fees” exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

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If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, AMC reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, AMC reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan that satisfied the applicable requirements enumerated above, AMC then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan’s actual annual % rate, as recalculated, to the applicable average prime offer rate plus a certain applicable %. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, AMC then determines whether the mortgage loan complies with the ATR rule consideration and verification requirements and provides a due diligence designation of Non-QM compliant or non-compliant.

General Ability to Repay

AMC reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability (the consumer's current employment status); (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator’s determination of the ability to repay.

AMC reviews mortgage loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a mortgage loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities (“Authorities”). AMC does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. AMC’s review is based on information contained in the mortgage loan file at the time it is provided to AMC to review, and only reflects information as of that point in time.

(V) The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:

a) Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

i) timing and content of the right to receive copy of appraisal disclosure;

ii) charging of a fee for a copy of the appraisal or other written valuation;

iii) timing of creditor providing a copy of each appraisal or other written valuation; and

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that (a) the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (b) that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

(VI) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06, as amended by Lender Letters LL-2013-05 and LL-2013-06 and Selling Guide Announcement SEL-2013-06;

(VII) The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations;

(VIII) The disclosure requirements and prohibitions of state, county and municipal laws and ordinances with respect to “high-cost” mortgage loans, “covered” mortgage loans, “higher-priced” mortgage loans, “home” mortgage loans or any other similarly designated mortgage loan as defined under such authorities, or subject to any other laws that were enacted to combat predatory lending, as may have been amended from time to time;

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(IX) Federal and state specific late charge and prepayment penalty provisions.

(X) Recording Review

AMC noted the presence of recorded documents, when available. However, the majority of mortgage loans in the review population were new production and have only been closed for days or weeks at the time AMC reviewed the mortgage loans and thus have not yet been recorded. AMC verified that documents in the file (most typically closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

As part of the portion of the Review described in this section, AMC will analyze and capture data from the source documents identified in the Document Review below, as applicable.

(XI) FIRREA Review

AMC confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, AMC reviewed the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate. 

In addition, AMC accessed the ASC database to verify that the appraiser, and if applicable the appraiser’s supervisor, were licensed and in good standing at the time the appraisal was completed. 

(XII) Document Review

AMC reviewed each mortgage loan file and verified if the following documents, if applicable, were included in the file and if the data on these documents was consistent (where applicable):

▪ Initial application (1003);

▪ Underwriting summary / loan approval (1008);

▪ Credit report;

▪ Income and employment documentation;

▪ 4506T;

▪ Asset documentation;

▪ Sales contract;

▪ Hazard and/or flood insurance policies;

▪ Copy of note for any junior liens;

▪ Appraisal;

▪ Title/Preliminary Title;

▪ Final 1003;

▪ Changed circumstance documentation;

▪ Right of Rescission Disclosure;

▪ Mortgage/Deed of Trust;

▪ Note;

▪ Mortgage Insurance;

▪ Tangible Net Benefit Disclosure;

▪ Subordination Agreement;

▪ FACTA disclosures;

▪ Notice of Special Flood Hazards;

▪ Initial and final GFE’s;

▪ HUD from sale of previous residence;

▪ Final HUD-1;

▪ Initial TIL;

▪ Final TIL;

▪ Loan Estimates;

▪ Closing Disclosures; and

▪ Certain other disclosures related to the enumerated tests set forth herein.

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(8) Other: review and methodology.

The final review results reflected in the Overall Review Results Summary herein may include additional exceptions identified after AMC’s initial review was completed where loan level issues were identified by external parties as a result of separate, distinct quality control evaluation of the loan files. In such cases, any additional exceptions cited by any such quality control evaluation would either be reflected (i) as an open exception or (ii) remediated if required documentation and/or curative actions were provided to AMC. The exception totals reflected herein, and corresponding Exception Rating, include exceptions that were so subsequently identified, if any. Please note that only a limited number of loans, if any, reflected in the Review Results Summary were subject to such external quality control evaluations.    

Item 5. Summary of findings and conclusions of review

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. (“DBRS”), Fitch Ratings, Inc. (“Fitch”), Kroll Bond Rating Agency, Inc. (“Kroll”), Moody’s Investors Service, Inc. (“Moody’s”), and S&P Global Ratings (“S&P”).

OVERALL REVIEW RESULTS SUMMARY

There were one thousand four hundred eighty-two (1,482) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, three hundred thirty (330) (22.27%) loans had an overall loan grade of “B.” Twelve (12) loans with an overall grade of “B” had exceptions across multiple exception types.

Exception Type	Final Exception Rating	Exception Category	Total
Compliance	B	TRID Defect	218
		TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form	60
		TRID	48
		ATR/QM Defect	19
		ECOA	9
		Missing Non-Required Data	3
		Missing Disclosure	3
		ATR/QM	3
		Misc. State Level	3
		Missing, Incorrect, or Incomplete Final or Initial 1003	2
		RESPA	2
		Flood	1
		Missing Required Data (other than HUD-1 or Note)	1
		Total Compliance Grade (B) Exceptions:	372
Total Compliance Exceptions:			372
Credit	B	Guideline	23
		Loan Package Documentation	17
		Income / Employment	8
		Property - Appraisal	2
		Credit	2
		Borrower and Mortgage Eligibility	2
		Missing Document	1
		Total Credit Grade (B) Exceptions:	55
Total Credit Exceptions:			55
Property	B	Property - Appraisal	10
		Total Property Grade (B) Exceptions:	10
Total Property Exceptions:			10
Grand Total:			437

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COMPLIANCE RESULTS SUMMARY

Of the one thousand four hundred eighty-two (1,482) loans reviewed, two hundred eighty-seven (287) had a Compliance Review “B” grade. Sixty-three (63) of the loans with an overall grade of “B” have multiple compliance exceptions (see exception detail below); however, none are lower than a grade of “B.”

NRSRO Grade	# of Loans	% of Loans
A	1,195	80.63%
B	287	19.37%
C	0	0.00%
D	0	0.00%

PROPERTY/VALUATION REVIEW RESULTS SUMMARY

Of the one thousand four hundred eighty-two (1,482) loans reviewed; ten (10) loans had a Property Review “B” grade due to property/appraisal related issues (see exception detail below).

NRSRO Grade	# of Loans	% of Loans
A	1,472	99.33%
B	10	0.67%
C	0	0.00%
D	0	0.00%

CREDIT REVIEW RESULTS SUMMARY

One thousand four hundred thirty-seven (1,437) mortgage loans (96.96%) of the total received an “A” Credit Review grade. The forty-five (45) “B” Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

NRSRO Grade	# of Loans	% of Loans
A	1,437	96.96%
B	45	3.04%
C	0	0.00%
D	0	0.00%

TAPE INTEGRITY REVIEW RESULTS SUMMARY

Of the one thousand four hundred eighty-two (1,482) mortgage loans reviewed, one thousand four hundred twelve (1,412) (95.28%) mortgage loans had tape discrepancies across thirty-two (32) unique data fields. The most common tape discrepancies were Investor: Qualifying Total Debt Ratio (50.88%), Value Used for LTV Calculation (45.07%), and Note Date (32.39%). AMC found generally that the DTI discrepancies were due to differences in calculating complex incomes; while the data differed, the resulting ratios generally remained within guidelines.

Field	# of Loans	% of Loans
Investor: Qualifying Total Debt Ratio	754	50.88%
Value Used For LTV Calculation	668	45.07%
Note Date	480	32.39%

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Appraised Value	326	22.00%
Property Type	256	17.27%
Refi Purpose	244	16.46%
Original Loan Amount	228	15.38%
Original P&I	199	13.43%
Original CLTV	160	10.80%
Original LTV	152	10.26%
Representative FICO	147	9.92%
Zip	72	4.86%
Street	62	4.18%
Original Interest Rate	49	3.31%
City	40	2.70%
Contract Sales Price	39	2.63%
Borrower First Name	38	2.56%
Borrower FTHB	26	1.75%
Occupancy	24	1.62%
Product Description	22	1.48%
Borrower Last Name	21	1.42%
Other Financing Junior Total Original Loan Amount	15	1.01%
Cash From Borrower	13	0.88%
Margin	8	0.54%
Borrower SSN	5	0.34%
First Payment Date	3	0.20%
Cash To Borrower	3	0.20%
Amortization Term	2	0.13%
Purpose	2	0.13%
Coborrower Last Name	1	0.07%
Initial Rate Lock Date	1	0.07%
Maturity Date	1	0.07%

ADDITIONAL LOAN POPULATION SUMMARY*

TPR Loan Designation	Loan Count	% of Loans	Original Balance	% of Balance
Safe Harbor QM	1,466	98.92%	$1,378,372,603.00	99.13%
Temporary SHQM (GSE/Agency Eligible)	16	1.08%	$12,064,816.00	0.87%
Total	1,482	100.00%	$1,390,437,419.00	100.00%

Amortization Type	Loan Count	% of Loans	Original Balance	% of Balance
Fixed	1,482	100.00%	$1,390,437,419.00	100.00%
Total	1,482	100.00%	$1,390,437,419.00	100.00%

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Lien Position	Loan Count	% of Loans	Original Balance	% of Balance
1	1,482	100.00%	$1,390,437,419.00	100.00%
Total	1,482	100.00%	$1,390,437,419.00	100.00%
Loan Purpose	Loan Count	% of Loans	Original Balance	% of Balance
Rate/Term Refinance - Borrower Initiated	677	45.68%	$640,194,292.00	46.04%
Other-than-first-time Home Purchase	386	26.05%	$372,584,907.00	26.80%
Limited Cash-Out	156	10.53%	$138,856,197.00	9.99%
Cash Out: Other/Multi-purpose/Unknown Purpose	124	8.37%	$115,805,589.00	8.33%
First Time Home Purchase	100	6.75%	$90,611,759.00	6.52%
Cash Out: Debt Consolidation	23	1.55%	$18,688,875.00	1.34%
Rate/Term Refinance - Lender Initiated	9	0.61%	$7,545,850.00	0.54%
Cash Out: Home Improvement/Renovation	6	0.40%	$5,531,950.00	0.40%
Unavailable	1	0.07%	$618,000.00	0.04%
Total	1,482	100.00%	$1,390,437,419.00	100.00%
Original Term	Loan Count	% of Loans	Original Balance	% of Balance
241-360 Months	1,479	99.80%	$1,388,194,019.00	99.84%
181-240 Months	3	0.20%	$2,243,400.00	0.16%
Total	1,482	100.00%	$1,390,437,419.00	100.00%
Property Type	Loan Count	% of Loans	Original Balance	% of Balance
Single Family Detached	915	61.74%	$878,482,622.00	63.18%
PUD	431	29.08%	$387,071,581.00	27.84%
Condo, Low Rise	75	5.06%	$64,490,867.00	4.64%
Condo, High Rise	32	2.16%	$31,668,808.00	2.28%
1 Family Attached	15	1.01%	$15,450,300.00	1.11%
2 Family	10	0.67%	$8,874,241.00	0.64%
3 Family	2	0.13%	$2,685,000.00	0.19%
Co-op	1	0.07%	$830,000.00	0.06%
Townhouse	1	0.07%	$884,000.00	0.06%
Total	1,482	100.00%	$1,390,437,419.00	100.00%
Occupancy	Loan Count	% of Loans	Original Balance	% of Balance
Primary	1,380	93.12%	$1,294,261,912.00	93.08%
Second Home	102	6.88%	$96,175,507.00	6.92%
Total	1,482	100.00%	$1,390,437,419.00	100.00%

*Tables may not add to 100% due to rounding.

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EXCEPTION DETAIL

The exception summary below ties to the total number of B exceptions for the population included in the Review. Some mortgage loans may be listed multiple times if they carried multiple exception categories even if those categories were within the same general exception category (ex. Disclosures and RESPA Tolerance within Compliance).

Exceptions	# of Loans	Grade Impact	Exception Type
TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	82	B	Compliance
TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date	47	B	Compliance
TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure	37	B	Compliance
TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test	35	B	Compliance
TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	23	B	Compliance
TRID Final Closing Disclosure Will Not Have Escrow -  Reason	17	B	Compliance
TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	13	B	Compliance
TRID Final Closing Disclosure Finance Charge	11	B	Compliance
TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)	10	B	Compliance
QM Employment History - Current Employment Documentation lacks Date Info	9	B	Compliance
TRID Ten Percent Tolerance Violation With Sufficient Cure – 130(b) Cure	7	B	Compliance
TRID Lender Credit Tolerance Violation	7	B	Compliance
QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	6	B	Compliance
TRID Final Closing Disclosure Total Of Payments	6	B	Compliance
ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation	5	B	Compliance
ECOA Appraisal - Appraisal Provided Prior to Date Performed	4	B	Compliance
TRID Final Closing Disclosure Partial Payments	4	B	Compliance
TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year 1	3	B	Compliance
TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans	3	B	Compliance
TRID Final Closing Disclosure Escrowed Property Costs Year 1 -  October 2018 Test	3	B	Compliance
TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments	2	B	Compliance
Missing Document: Missing Lender's Initial 1003	2	B	Compliance
Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD.	2	B	Compliance
TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties	2	B	Compliance
TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment	2	B	Compliance
Self-Employed Tax Return Recency	2	B	Compliance
QM Points and Fees	2	B	Compliance

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TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed	2	B	Compliance
Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing	1	B	Compliance
TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date	1	B	Compliance
Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone	1	B	Compliance
Notice of Special Flood Hazard Disclosure Not Provided Timely	1	B	Compliance
Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance	1	B	Compliance
TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit)	1	B	Compliance
TRID Final Closing Disclosure Homeowners Insurance Included In Escrow	1	B	Compliance
TRID Final Closing Disclosure Property Taxes Included In Escrow	1	B	Compliance
TRID Post Close Closing Disclosure Evidence Principal Reduction Applied to Loan	1	B	Compliance
S-Corp Income Documentation Test	1	B	Compliance
Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed)	1	B	Compliance
Self Employed - Minor Negative Income Documentation	1	B	Compliance
TRID Final Closing Disclosure Amount Financed	1	B	Compliance
Payoff Statement Missing	1	B	Compliance
Notice of Special Flood Hazard Disclosure Missing	1	B	Compliance
(Missing Data) Last Rate Set Date	1	B	Compliance
TRID Final Closing Disclosure Will Not Have Escrow - Escrow Waiver Fee	1	B	Compliance
TRID Final Closing Disclosure Will Have Escrow Account	1	B	Compliance
TRID Final Closing Disclosure Will Not Have Escrow Account	1	B	Compliance
Ohio Consumer Sales Practices Act (Ability to Repay not Verified)	1	B	Compliance
Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis)	1	B	Compliance
RESPA -  Initial Escrow Account statement Inaccurate	1	B	Compliance
RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application	1	B	Compliance
Check Loan Designation Match - QM	1	B	Compliance
Credit Exception:	10	B	Credit
FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.	9	B	Credit
FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	8	B	Credit
Income Docs Missing:	4	B	Credit
Aged document: Credit Report  is more than 90 days prior to the note date.	2	B	Credit
Guideline Issue:  Insufficient tradelines per credit guidelines	2	B	Credit
The verification of employment does not meet the guideline requirements.	2	B	Credit

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Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification.	2	B	Credit
Aged document: Asset Account date is more than 90 days prior to Closing.	2	B	Credit
Guideline Requirement: Loan to value discrepancy.	2	B	Credit
Public Record Issue:	1	B	Credit
Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided	1	B	Credit
REO Documents are missing.	1	B	Credit
Status of property as second home is in question due to distance from primary residence.	1	B	Credit
The verification of employment is required and was not found in file.	1	B	Credit
Guideline Issue:  Refinance seasoning requirements not met	1	B	Credit
Loan Amount exceed guidelines.	1	B	Credit
Guideline Requirement: Representative FICO score discrepancy.	1	B	Credit
Guideline Issue:  Property type not allowed per credit guidelines	1	B	Credit
Employment Error: Employment years in field not provided.	1	B	Credit
Guideline Requirement: Combined loan to value discrepancy.	1	B	Credit
Guideline Requirement: PITIA reserves months discrepancy.	1	B	Credit
Loan is to be securitized.   Drive by (exterior only) appraisal was provided in lieu of full appraisal.  (GSE COVID19)	9	B	Property
Loan is to be securitized.   Drive by (exterior only) appraisal was provided in lieu of full appraisal.   Secondary valuation supports value.   (GSE COVID19)	1	B	Property

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EX-99.2

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.2

Customer Loan ID	Field Label	Bid Tape Field Value	Field Value	Compare Status	Comment
302272903	Borrower SSN	xxxx	xxxx	Verified	Field Value verified by application or other documentation in file
302272903	Property Type		Condo (Mid Rise)	Verified	Field Value captured from Appraisal or Valuation model in file
302272903	Product Description	QM xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302272903	Cash From Borrower	0	17802.13	Verified	Field value reflects source document
302272898	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302272898	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302272898	Product Description	xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302272898	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302272898	Cash From Borrower	0	281357.68	Verified	Field value reflects source document
302272898	Investor: Qualifying Total Debt Ratio	30.486	32.85042	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302272889	Cash To Borrower	0	3355.2	Verified	Field value reflects source document
302272889	Product Description	xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302272889	Cash From Borrower	0		Verified	Field value reflects source document
302457749	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302457749	Cash To Borrower	196437	161045.72	Verified	Field value reflects source document
302457749	Original CLTV	60	57.58	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302457749	Original LTV	60	57.58	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302457749	Product Description	QM xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302272873	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302272873	Product Description	xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302272873	Cash From Borrower	0	348594.81	Verified	Field value reflects source document
302332622	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302332622	Borrower SSN	xxxx	xxxx	Verified	Field Value verified by application or other documentation in file
302332622	First Payment Date	xxxx	xxxx	Verified	Field Value reflects First Payment Date per the Note
302332622	Product Description	QM xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302332622	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302332622	Cash From Borrower	0	220152.44	Verified	Field value reflects source document
302332619	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302332619	Product Description	xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302332619	Cash From Borrower	0	247576.27	Verified	Field value reflects source document
302488389	Original Interest Rate	3.3875	3.388	Verified	Field Value reflects the Note value
302488389	Product Description	QM xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302488389	Cash From Borrower	0	3714.81	Verified	Field value reflects source document
302488389	Investor: Qualifying Total Debt Ratio	30	25.23895	Verified	Unable to verify due to missing information
302332591	Borrower SSN	xxxx	xxxx	Verified	Field Value verified by application or other documentation in file
302332591	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302332591	First Payment Date	xxxx	xxxx	Verified	Field Value reflects First Payment Date per the Note
302332591	Purpose	Purchase	Refinance	Verified	Field Value reflects the Purpose per the Final HUD-1/Final CD
302332591	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302332591	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302332591	Cash To Borrower	0	319.56	Verified	Field value reflects source document
302332591	Product Description	xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302332591	Cash From Borrower	0		Verified	Field value reflects source document
302332582	Borrower SSN	xxxx	xxxx	Verified	Field Value verified by application or other documentation in file
302332582	Product Description	QM xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302332582	Cash From Borrower	0	1163685.34	Verified	Field value reflects source document
302332582	Investor: Qualifying Total Debt Ratio	38.001	41.16647	Verified	Seller revised income after submission
302457746	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302457746	Product Description	QM xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302457746	Cash From Borrower	0	272583.45	Verified	Field value reflects source document
302457733	Borrower SSN	xxxx	xxxx	Verified	Field Value verified by application or other documentation in file
302457733	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302457733	Product Description	QM xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302457733	Cash From Borrower	0	411686.71	Verified	Field value reflects source document
302457733	Investor: Qualifying Total Debt Ratio	42.04	38.03564	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302488388	First Payment Date	xxxx	xxxx	Verified	Field Value reflects First Payment Date per the Note
302488388	Maturity Date	xxxx	xxxx	Verified	Field Value reflects Maturity Date per the Note
302488388	Original P&I		3855.08	Verified	Field Value reflects Note value
302488388	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302488388	Product Description	QM xxxx Prime Jumbo	Fixed Rate	Verified	Field value reflects source document
302488388	Cash From Borrower	0	223505.23	Verified	Field value reflects source document
302457729	Cash From Borrower	0	6353.61	Verified	Field value reflects source document
302098278	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302098278	Property Type	PUD	PUD Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302098278	Original CLTV	68.3	75.04	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302098278	Original LTV	68.3	67.25	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302098278	Investor: Qualifying Total Debt Ratio	32.87	29.02979	Verified	Tape Value DTI cannot be located on any documentation within the loan file.
302096438	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302096438	Original CLTV	61.55	64.1	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302096438	Original LTV	61.55	64.1	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302096438	Investor: Qualifying Total Debt Ratio	42.42	22.70637	Verified	Lender DTI = 21.623%
302173827	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302173827	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302314971	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302314971	Representative FICO	806	767	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302314971	Refi Purpose		Cash-out - Other	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302248792	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302288958	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302288958	Refi Purpose		Rate/Term	Verified	Unable to verify due to missing information
302172364	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302172364	Original CLTV	51.88	40.36	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302172364	Original LTV	51.89	40.36	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302533496	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302533496	Amortization Term	358	360	Verified	Field Value reflects Amortization Term per Note
302533496	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302271655	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302271655	Representative FICO	800	808	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302271655	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302271655	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302228178	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302228178	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302316415	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302316415	Representative FICO	800	784	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302316415	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302316415	Investor: Qualifying Total Debt Ratio	24.89	28.67304	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302274665	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302274665	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302274665	Original CLTV	52.57	58.97	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302274665	Original LTV	52.57	58.97	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302271591	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302271591	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302271591	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302328826	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302328826	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302328826	Original Interest Rate	2.875	2.75	Verified	Field Value reflects the Note value
302328826	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302328826	Investor: Qualifying Total Debt Ratio	17.821	20.46233	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302099536	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302099536	Refi Purpose		Rate/Term	Verified	Listed on the Closing Disclosure.
302329319	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302329319	Borrower FTHB	1	0	Verified	Field Value verified by Application, Credit Report or other documentation in file
302329319	Investor: Qualifying Total Debt Ratio	20.5934	31.01527	Verified	Field value is closer to what the underwriter has on the 1008.
302270830	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302098974	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302098974	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302098598	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302098598	Original Interest Rate	3.5	3.25	Verified	Field Value reflects the Note value
302098598	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302307693	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302307693	Representative FICO	799	800	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302303166	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302098277	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302098277	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302098277	Investor: Qualifying Total Debt Ratio	35.06	42.71426	Verified	DTI stated on 1008 is 41.889%
302147485	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302147485	Original Interest Rate	3.5	3.25	Verified	Field Value reflects the Note value
302147485	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302408796	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302408796	Original Interest Rate	2.875	3	Verified	Field Value reflects the Note value
302101285	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302101285	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302101285	Investor: Qualifying Total Debt Ratio	25.04	34.52729	Verified	Review DTI within tolerance of approval DTI of 32.858%.
302099559	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302099559	Original CLTV	47.51	49.91	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302099559	Original LTV	47.51	49.91	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302099559	Investor: Qualifying Total Debt Ratio	34.64	38.89043	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302393992	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302393992	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302393992	Investor: Qualifying Total Debt Ratio	25.4	28.37731	Verified	Field value is same as 1008 value.
302302567	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302302567	Refi Purpose		Rate/Term	Verified	Borrower is receiving < than 2,000.00 at closing.
302202000	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302202000	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302290297	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290297	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302290297	Investor: Qualifying Total Debt Ratio	43	33.8167	Verified	DTI stated as 29.104% Variance between 1008 and calculated due to not using Schedule C income. 3rd party verification of employment dates not provided. Income source not required to qualify loan.
302269178	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302269178	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302269178	Investor: Qualifying Total Debt Ratio	40.89	36.26314	Verified	Lender DTI 36.39%.
302274212	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302274212	Investor: Qualifying Total Debt Ratio	21.04	23.34951	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302274536	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302274536	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302274536	Investor: Qualifying Total Debt Ratio	43	31.89838	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302305719	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305719	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302278899	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302278899	Original Interest Rate	3.125	2.875	Verified	Field Value reflects the Note value
302278899	Investor: Qualifying Total Debt Ratio	11.42	31.6513	Verified	31.49 per 1008
302288895	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302288895	Original Interest Rate	3.375	3	Verified	Field Value reflects the Note value
302288895	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302288895	Original CLTV	45.79	47.16	Verified	Tape Value reflects the LTV value
302288895	Investor: Qualifying Total Debt Ratio	29.9718	26.57928	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302273107	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302273107	Representative FICO	735	737	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302273107	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302273107	Investor: Qualifying Total Debt Ratio	39.28	16.00415	Verified	Lender approved DTI is 15.220%, tape value is unknown.
302274634	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302274634	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302274634	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302274634	Original CLTV	73.44	75	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302274634	Original LTV	73.44	75	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302285491	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302285491	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302285491	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302285491	Investor: Qualifying Total Debt Ratio	4.09	8.15158	Verified	Unable to verify due to missing information
302307704	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302307704	Amortization Term	359	360	Verified	Field Value reflects Amortization Term per Note
302307704	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302307704	Investor: Qualifying Total Debt Ratio	40.17	42.88829	Verified	DTI is higher due to adding in K-1 income loss.
302325087	Property Type	Single Family Detached	PUD	Verified	Security Instrument
302325087	Investor: Qualifying Total Debt Ratio	22.006	41.91324	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302325087	Value Used For LTV Calculation	xxxx	xxxx	Verified	Appraisal
302387156	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302387156	Investor: Qualifying Total Debt Ratio	14	39.21983	Verified	DTI shown on 1008 is 39.220%
302325086	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302325086	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302150117	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302150117	Original P&I	4418.6	4400.64	Verified	Field Value reflects Note value
302150117	Representative FICO	767	746	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302150117	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302150117	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302150117	Investor: Qualifying Total Debt Ratio	21.28	39.01536	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302150117	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302172355	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302172355	Original CLTV	49.45	47.1	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302172355	Original LTV	49.45	47.1	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302172355	Investor: Qualifying Total Debt Ratio	14.865	32.08467	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302286720	Investor: Qualifying Total Debt Ratio	20.821	26.77257	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302173932	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302173932	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302173932	Original CLTV	52.13	59.76	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302173932	Original LTV	52.13	59.76	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302173932	Investor: Qualifying Total Debt Ratio	16.729	25.90944	Verified	1008 reflects 25.949%
302173887	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302173887	Original P&I	4164.24	4162.1	Verified	Field Value reflects Note value
302173887	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302173887	Original CLTV	79.36	77.73	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302173887	Original LTV	79.36	77.73	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302173887	Investor: Qualifying Total Debt Ratio	30.888	21.90131	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302175927	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302175927	Original Interest Rate	3.125	3	Verified	Field Value reflects the Note value
302175927	Original P&I	4519.36	4428.95	Verified	Field Value reflects Note value
302175927	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302175927	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302175927	Investor: Qualifying Total Debt Ratio	20	8.66148	Verified	Income and debt verified per tax returns and k-1s.  DTI on 1008 is 9.255%
302175927	Value Used For LTV Calculation	xxxx	xxxx	Verified	Verified per Appraisal.
302185535	Property Type	Condo	Single Family Detached	Verified	Field Value captured from Appraisal or Valuation model in file
302185535	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302185535	Investor: Qualifying Total Debt Ratio	38.498	23.17499	Verified	Lender approved at 20.502% using lower net rental expense than review.
302185535	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302247678	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302247678	Original P&I	3589.79	3604.78	Verified	Field Value reflects Note value
302247678	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302247678	Investor: Qualifying Total Debt Ratio	0.909	26.00775	Verified	DTi shown on 1008 is 33.865%
302247678	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302247723	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302247723	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302247723	Investor: Qualifying Total Debt Ratio	30	36.03905	Verified	DTI shown on 1008 is 36.039%
302247723	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302263948	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302263948	Original P&I	3692.6	3680.82	Verified	Field Value reflects Note value
302263948	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302263948	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302263948	Refi Purpose	Rate/Term	Cash-out - Other	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302263948	Original CLTV	68.96	70.14	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302263948	Original LTV	68.96	70.14	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302263947	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302263947	Original P&I	2553.68	2588.65	Verified	Field Value reflects Note value
302263947	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302263947	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302263947	Original CLTV	57.09	64.63	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302263947	Original LTV	57.09	64.63	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302263947	Investor: Qualifying Total Debt Ratio	35	22.89038	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302271611	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302271611	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302271611	Investor: Qualifying Total Debt Ratio	30	36.19149	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302271611	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302328856	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302328856	Investor: Qualifying Total Debt Ratio	16	25.2856	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302328856	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302285322	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302285322	Original CLTV	73.68	62.69	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302285322	Original LTV	73.68	62.69	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302285322	Investor: Qualifying Total Debt Ratio	40	37.93712	Verified	UTD source of tape DTI.  Review matches loan approval.
302327225	Investor: Qualifying Total Debt Ratio	41	27.4655	Verified	Unable to verify due to missing information
302327225	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302305059	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302305059	Original P&I	6940.1	7348.34	Verified	Field Value reflects Note value
302305059	Representative FICO	789	750	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302305059	Investor: Qualifying Total Debt Ratio	19	9.52985	Verified	Lender approved the subject loan with a DTI of 9.557%.
302305059	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302274623	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302274623	Representative FICO	808	794	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302303154	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303154	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302303154	Investor: Qualifying Total Debt Ratio	23.297	30.0789	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302303175	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303175	Representative FICO	752	785	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302265808	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302265808	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302265808	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302265808	Original CLTV	54.09	51.18	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302265808	Original LTV	54.09	51.18	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302265808	Investor: Qualifying Total Debt Ratio	19.55	22.47694	Verified	The 1008 reflects the DTI as 22.338%, this is a difference of 0.13894%.
302320913	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302456541	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302456541	Original Interest Rate	3	2.75	Verified	Field Value reflects the Note value
302248764	Investor: Qualifying Total Debt Ratio	42	37.093	Verified	UTD source of tape DTI.  Review matches loan approval.
302248764	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302243261	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302243261	Investor: Qualifying Total Debt Ratio	14	20.80454	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302320931	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302320931	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302320931	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302244941	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302278876	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302278876	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302278876	Representative FICO	722	721	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302278876	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302278876	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302305672	Property Type	Single Family Detached	Condo (High Rise)	Verified	Field Value captured from Appraisal or Valuation model in file
302305672	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302305672	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302278887	Representative FICO	805	801	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302278887	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302278887	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302278887	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286870	Property Type	Single Family Detached	PUD Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302286870	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302286870	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302286870	Investor: Qualifying Total Debt Ratio	20.74	33.58646	Verified	Lender approved DTI is 35.74%, tape value is unknown.
302286700	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302286700	Original P&I	2422.14	2421.92	Verified	Field Value reflects Note value
302286700	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302184455	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302184455	Investor: Qualifying Total Debt Ratio	23.91	33.41963	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302184455	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302170745	Representative FICO	797	813	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302170745	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302318342	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302318342	Investor: Qualifying Total Debt Ratio	29.27	26.39024	Verified	Divorce decree includes child support and alimony
302318342	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302318106	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302318106	Investor: Qualifying Total Debt Ratio	26	39.12978	Verified	Debt ratio 39.14% per transmittal summary
302318106	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302336625	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302336625	Investor: Qualifying Total Debt Ratio	14	34.33312	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302336625	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302114195	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302114195	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302114195	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302114195	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302114195	Original CLTV	62	66.67	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302114195	Original LTV	62	66.67	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302243687	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302243686	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290126	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302290126	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290126	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302290126	Investor: Qualifying Total Debt Ratio	34.8818	37.2183	Verified	DTI on lender's 1008 is 36.737%.
302334905	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302334905	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302334905	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302334905	Investor: Qualifying Total Debt Ratio	20.772	30.64474	Verified	30.642 per 1008
302327059	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327059	Original Interest Rate	3.25	3.125	Verified	Field Value reflects the Note value
302289106	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302289106	Investor: Qualifying Total Debt Ratio	39.3439	37.22858	Verified	DTI stated on 1008 is 37.044%
302335488	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302335488	Investor: Qualifying Total Debt Ratio	38.3038	30.75874	Verified	All income and debt considered.
302277138	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302277138	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302277138	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302277138	Investor: Qualifying Total Debt Ratio	40.52	30.18982	Verified	DTI matches 1008.
302327049	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327049	Investor: Qualifying Total Debt Ratio	19.339	30.49701	Verified	1008 reflects 32.096%
302285394	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302285394	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302285394	Original CLTV	68.46	66.66	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302285394	Original LTV	68.46	66.66	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302285467	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302285467	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302285467	Refi Purpose		Rate/Term	Verified	Unable to verify due to missing information
302285467	Original CLTV	50.6	66.67	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302285467	Original LTV	50.6	66.67	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302286444	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302286444	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302286444	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302286444	Refi Purpose		Rate/Term	Verified	Per file documentation
302286444	Original CLTV	72	68	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302286444	Original LTV	72	68	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302286444	Investor: Qualifying Total Debt Ratio	19.84	23.33124	Verified	DTI stated on 1008 is 23.331%
302286953	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302286953	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302286953	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302286953	Original CLTV	67.26	65.11	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302286953	Original LTV	67.26	65.11	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302324789	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302289105	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302289105	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302289105	Representative FICO	780	819	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302289105	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302289105	Original CLTV	42.99	40.9	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302289105	Original LTV	42.99	40.9	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302289105	Investor: Qualifying Total Debt Ratio	30.1569	40.32974	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302323388	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302323388	Investor: Qualifying Total Debt Ratio	39.378	36.69943	Verified	Field value DTI matches DTI on 1008 of 36.69%
302290278	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290278	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302290278	Investor: Qualifying Total Debt Ratio	9.655	20.11862	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302303119	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303119	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302303119	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302327775	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327775	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302327775	Investor: Qualifying Total Debt Ratio	36.85	38.87583	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302320419	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302320419	Investor: Qualifying Total Debt Ratio	30.327	40.29084	Verified	DTI on lender's 1008 is 40.29%
302320418	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302326566	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302326566	Investor: Qualifying Total Debt Ratio	36.4538	39.65638	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302330562	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302330562	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302334880	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302334880	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302336684	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302331386	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302331386	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302331386	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302070947	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302070947	Representative FICO	771	766	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302070947	Original CLTV	69	62.61	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302070947	Original LTV	69	62.61	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302070947	Investor: Qualifying Total Debt Ratio	42.76	37.00052	Verified	Audit used similar numbers for debt and income to original uw
302096491	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302096491	Representative FICO	780	790	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302096491	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302096491	Investor: Qualifying Total Debt Ratio	19.9	41.02777	Verified	Tape Value DTI cannot be located on any documentation within the loan file.
302114191	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302114191	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302326563	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
301835964	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
301835964	Refi Purpose		Rate/Term	Verified	n/a
301955100	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
301955100	Refi Purpose		Cash-out - Other	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
301983851	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
301983851	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
301983851	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
301983851	Product Description	Jumbo 30 Year Fixed	Fixed Rate	Verified	Field value reflects source document
301983851	Investor: Qualifying Total Debt Ratio	11.18	23.9067	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
301983850	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
301983850	Investor: Qualifying Total Debt Ratio	15.61	36.83821	Verified	Unable to verify due to missing information
301989994	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
301989994	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302037407	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302037407	Representative FICO	801	797	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302037407	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302037407	Investor: Qualifying Total Debt Ratio	12.78	22.26067	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302044445	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302044445	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302044445	Original CLTV	78	80	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302044445	Original LTV	78	80	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302056191	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302056191	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302056191	Investor: Qualifying Total Debt Ratio	39.63	11.03974	Verified	Unable to verify due to missing information
302096018	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302096018	Investor: Qualifying Total Debt Ratio	31.78	40.15122	Verified	Unable to verify due to missing information
302066076	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302066076	Refi Purpose		Rate/Term	Verified	Unable to verify due to missing information
302066076	Investor: Qualifying Total Debt Ratio	12.61	24.10098	Verified	Unable to determine source of Tape Date, per 1008 Total Debt Ratio is 22.6225
302066912	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302066912	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 1% of loan amount per HUD-1/CD
302066912	Investor: Qualifying Total Debt Ratio	19.21	24.7294	Verified	The 1008 reflects the DTI as 24.616%, this is a 0.1134% difference.
302099570	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302099570	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302099570	Investor: Qualifying Total Debt Ratio	20.89	35.86282	Verified	Underwriter is in line with Lender ratios.
302228138	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302273131	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302273131	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302273131	Investor: Qualifying Total Debt Ratio	19.07	32.13167	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302288937	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327894	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327894	Investor: Qualifying Total Debt Ratio	37.7069	29.56901	Verified	Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit
302214493	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302214493	Investor: Qualifying Total Debt Ratio	17.44	28.87358	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
301957784	Investor: Qualifying Total Debt Ratio	20.5	27.13127	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
301989941	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
301989941	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
301989941	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
301989941	Investor: Qualifying Total Debt Ratio	26.3	38.55868	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302329352	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302228014	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302228014	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302228014	Investor: Qualifying Total Debt Ratio	40.74	32.99689	Verified	Lender DTI 33%.
302250019	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302289108	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302289108	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302289108	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302289108	Original CLTV	79.61	73.26	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302289108	Original LTV	79.61	73.26	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302288847	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302288847	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302288847	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302288847	Original CLTV	76.61	66.53	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302288847	Original LTV	76.61	66.53	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302304035	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302304035	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302304035	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302304035	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302304035	Original CLTV	79.65	76.05	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302304035	Original LTV	79.65	76.05	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302304035	Investor: Qualifying Total Debt Ratio	23.3348	9.71013	Verified	DTI shown on 1008 is 9.64%
302316151	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302316151	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302316151	Investor: Qualifying Total Debt Ratio	27	40.60605	Verified	Supported by 1008
302332753	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302332753	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302332753	Original CLTV	65	68.42	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302332753	Original LTV	65	68.42	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302318103	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302318103	Original CLTV	77.33	71.35	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302318103	Original LTV	77.33	71.35	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302318103	Investor: Qualifying Total Debt Ratio	18.6509	14.91444	Verified	Lender approved DTI is 11.6%, tape value is unknown.
302128580	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302128580	Investor: Qualifying Total Debt Ratio	36.25	21.84404	Verified	Lender's 1008 reflects a DTI of 19.723%
302039141	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302039141	Representative FICO	809	802	Verified	Field Value Representative FICO reflects the lowest mid score of the highest wage earner
302039141	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302039141	Original CLTV	56.87	72.04	Verified	Revised LTV is reflective of the updated appraisal value.
302039141	Investor: Qualifying Total Debt Ratio	13.82	34.72936	Verified	DTI is reflective of the revised income of the borrowers versus the revised debt from credit report. DTI from 1008 is 34.924%
302214506	Original CLTV	53.36	57.4	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302273118	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305700	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302305700	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305700	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302305700	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302305700	Original CLTV	62.45	70.77	Verified	Unable to verify due to missing information
302305700	Investor: Qualifying Total Debt Ratio	43	30.83297	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302132312	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302132312	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302132312	Product Description	Jumbo 30 Year Fixed	Fixed Rate	Verified	Field value reflects source document
302098977	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302098977	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302098977	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302114193	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302114193	Investor: Qualifying Total Debt Ratio	15.74	29.22377	Verified	Per final 1008, approved at 30.58%- unable to determine source of tape value.
302273047	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302273047	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302273047	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302278305	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302278305	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302281217	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302098881	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302098881	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302098881	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302098881	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302029620	Investor: Qualifying Total Debt Ratio	31.817	36.21005	Verified	Field Value DTI is total DTI; Bid Tape Field Value is housing only.
302029620	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302370972	Investor: Qualifying Total Debt Ratio	15	39.80643	Verified	Unable to verify due to missing information
302370972	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302147530	Contract Sales Price	xxxx	xxxx	Verified	Refi
302065335	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302065335	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302065335	Investor: Qualifying Total Debt Ratio	18.58	27.60417	Verified	New Increased property tax amount of $xxxx Semi Annual per tax certificate for 2019 to 2020, not used as part of the PITIA debt calculations
302065335	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302070195	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302070195	Contract Sales Price	xxxx	xxxx	Verified	Transaction is a no cash out refinance
302266958	Investor: Qualifying Total Debt Ratio	25.929	27.93827	Verified	1008 reflects 27.455%.
302266958	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302096485	Investor: Qualifying Total Debt Ratio	5.861	23.92654	Verified	Lender's 1008 reflects a DTI of 23.925%
302114082	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302356752	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302356752	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302356752	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302323356	Investor: Qualifying Total Debt Ratio	15.097	24.93996	Verified	Lender approved at 25.008%
302323356	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302269220	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302269220	Original CLTV	66.85	61.28
302269220	Original LTV	66.85	61.28
302269220	Investor: Qualifying Total Debt Ratio	15.871	31.22863	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302173936	Investor: Qualifying Total Debt Ratio	32.34	28.91114	Verified	Lender's 1008 reflects a DTI of 27.379%
302173936	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302180847	Appraised Value	xxxx	xxxx	Verified	Tape Value reflects Purchase Price
302180847	Investor: Qualifying Total Debt Ratio	22.275	42.45274	Verified	1008 reflects 42.448%
302180847	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302336677	Investor: Qualifying Total Debt Ratio	31	37.38058	Verified	Lender approved at 37.164%
302318108	Investor: Qualifying Total Debt Ratio	4.222	37.77366	Verified	DTI stated on 1008 is 37.772%
302318108	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286703	Investor: Qualifying Total Debt Ratio	23.197	26.93469	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302289121	Investor: Qualifying Total Debt Ratio	8.292	11.03805	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302289121	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302303895	Investor: Qualifying Total Debt Ratio	22.35	20.07737	Verified	Lenders 1008 reflects DTI of 20.077%.
302303895	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302303895	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302285459	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302285459	Investor: Qualifying Total Debt Ratio	21.63	40.45978	Verified	Lender Approval  reports DTI of 40.686%.  Bid Tape is in error
302285459	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302303198	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302288893	Investor: Qualifying Total Debt Ratio	38.87	41.07091	Verified	Within 3% tolerance
302303894	Value Used For LTV Calculation	xxxx	xxxx	Verified	Verified per appraisal.
302305670	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302305500	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302305500	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302356643	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302372108	Investor: Qualifying Total Debt Ratio	16.55	35.70077	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302274606	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302274606	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302274606	Investor: Qualifying Total Debt Ratio	0	26.16327	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302303201	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303201	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302303201	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302303201	Original CLTV	49.09	47.95	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302303201	Original LTV	49.09	47.95	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302303201	Investor: Qualifying Total Debt Ratio	25.469	35.42485	Verified	DTI is much higher than lenders calculated DTI due to lender using $xxxx/month total income to qualify and I calculated $xxxx/month income to qualify.
302172644	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302172644	Investor: Qualifying Total Debt Ratio	27.7	18.76632	Verified	13.568 per 1008
302263963	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302263963	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302263963	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302263963	Original CLTV	79.12	76.71	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302263963	Original LTV	79.12	76.71	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302116099	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302116099	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302116099	Investor: Qualifying Total Debt Ratio	28.85	24.94969	Verified	Unable to verify due to missing information
302112519	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302112519	Representative FICO	768	793	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302112519	Investor: Qualifying Total Debt Ratio	40.21	42.74904	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302172087	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302172087	Investor: Qualifying Total Debt Ratio	33.15	36.04442	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302147207	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302244538	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302244538	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302244538	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302173835	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302173835	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302173835	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302173835	Investor: Qualifying Total Debt Ratio	30.29	37.56365	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302243245	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302243245	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305782	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305782	Original CLTV	59.73	52.47	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302305782	Original LTV	59.73	52.47	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302305782	Investor: Qualifying Total Debt Ratio	33.122	26.95034	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302268700	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302268700	Product Description	Jumbo 30 Year Fixed	Fixed Rate	Verified	Field value reflects source document
302173919	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302173919	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302134290	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302134290	Original CLTV	62	59.74	Verified	Appraisal value is taken as $xxxx on the 1008 however appraisal report reflects value as $xxxx
302134290	Original LTV	62	59.74	Verified	Appraisal value is taken as $xxxx on the 1008 however appraisal report reflects value as $xxxx
302134290	Investor: Qualifying Total Debt Ratio	31.8	36.92405	Verified	Unable to verify due to missing information
302130079	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302130079	Investor: Qualifying Total Debt Ratio	37.14	21.61497	Verified	Lender approved the subject loan with a DTI of 21.616%.
302137132	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302137132	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302137132	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302137132	Original CLTV	68.4	66.32	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302137132	Original LTV	60.83	59.33	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302137132	Investor: Qualifying Total Debt Ratio	30.11	39.61736	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302244537	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302244537	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302244537	Original CLTV	70.41	73.5	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302244537	Original LTV	70.41	64.97	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302244537	Investor: Qualifying Total Debt Ratio	16.88	31.53422	Verified	Final 1008 is 31.453%.
302172351	Original CLTV	50.1	41.8	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302305547	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305547	Original Interest Rate	3	2.875	Verified	Field Value reflects the Note value
302305547	Investor: Qualifying Total Debt Ratio	32.4851	35.98435	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302260935	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302260935	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302260935	Original CLTV	52.78	51.35	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302260935	Original LTV	52.78	51.35	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302260935	Investor: Qualifying Total Debt Ratio	24.79	35.65801	Verified	Lender approved 35.66% DTI.
302303230	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303230	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302303230	Original CLTV	64.67	54.67	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302303230	Original LTV	64.67	54.67	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302330690	Original CLTV	59.78	61.28	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302330690	Original LTV	59.78	61.28	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302330690	Investor: Qualifying Total Debt Ratio	21.3936	42.33057	Verified	Lender DTI = 40.095%
302320431	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302320431	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302320431	Original CLTV	73.91	70.1	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302320431	Original LTV	73.91	70.1	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302173377	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302173377	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302228099	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302228099	Investor: Qualifying Total Debt Ratio	20.17	26.90814	Verified	Lender approved the subject loan with a DTI of 26.898%.
302184697	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302184697	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302184697	Original CLTV	78.29	73.34	Verified	Appraisal value as per 1004 is $xxxx whereas on 1008 it is $xxxx.
302184697	Original LTV	78.29	73.34	Verified	Appraisal value as per 1004 is $xxxx whereas on 1008 it is $xxxx.
302184697	Investor: Qualifying Total Debt Ratio	33.18	25.93991	Verified	Tape Value DTI cannot be located on any documentation within the loan file.
302290239	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302271660	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302271660	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302227989	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302227989	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302227989	Investor: Qualifying Total Debt Ratio	21.91	24.58954	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302214491	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302214491	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302269308	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302269308	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302269308	Original CLTV	67.86	63.33	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302269308	Original LTV	67.86	63.33	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302269308	Investor: Qualifying Total Debt Ratio	40.09	42.1725	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302273020	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302273020	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302318370	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302318370	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302318370	Original CLTV	70.9	67.41	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302318370	Original LTV	70.9	67.41	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302304018	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302304018	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302316233	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302316108	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302316108	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302316108	Investor: Qualifying Total Debt Ratio	21.346	24.13924	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302371871	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302371871	Investor: Qualifying Total Debt Ratio	34	38.92955	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302320988	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302320988	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302320918	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302320918	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302320918	Investor: Qualifying Total Debt Ratio	8.25	11.03573	Verified	1008 DTI reflects 11.036%
302303224	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303224	Investor: Qualifying Total Debt Ratio	33.022	39.27211	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302369375	Note Date	xxxx	xxxx	Verified	Acknowledged Note Date xxxx.
302369375	Representative FICO	796	781	Verified	Credit Report dated xxxx.  Middle credit score co-borrower 781
302369375	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302244968	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302244968	Investor: Qualifying Total Debt Ratio	29.51	37.39277	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302314951	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302314951	Investor: Qualifying Total Debt Ratio	20	37.23448	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302289115	Investor: Qualifying Total Debt Ratio	28.1	24.56245	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302394096	Representative FICO	804	790	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302394096	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
301916830	Original Interest Rate	3.38	3.125	Verified	Field Value reflects the Note value
301916830	Original P&I	3987.71	3863.95	Verified	Field Value reflects Note value
301916830	Representative FICO	763	770	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
301916830	Property Type	Single Family Attached	Single Family Detached	Verified	Field Value captured from Appraisal or Valuation model in file
301916830	Value Used For LTV Calculation	xxxx	xxxx	Verified	Based on appraisa/ 1004.
302400766	Original Interest Rate	2.75	2.625	Verified	Field Value reflects the Note value
302400766	Original P&I	7821.9	7695.62	Verified	Field Value reflects Note value
302400766	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302307776	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372027	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302271798	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302271798	Representative FICO	795	787	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302271798	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302271798	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302273097	Representative FICO	774	769	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302273097	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302273097	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302273097	Investor: Qualifying Total Debt Ratio	17.84	37.14457	Verified	Difference is less than 3%.
302273097	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327920	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302327920	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302034831	Investor: Qualifying Total Debt Ratio	32.515	37.33335	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302034831	Value Used For LTV Calculation	xxxx	xxxx	Verified	Unable to verify due to missing information
302409411	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
301984550	Representative FICO	703	717	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
301984550	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
301984550	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
301984550	Original CLTV	57.33	59.64	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
301984550	Original LTV	57.33	59.64	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302403267	Original Interest Rate	3.13	3.125	Verified	Field Value reflects the Note value
302403267	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302337240	Representative FICO	777	779	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302337240	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302290291	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302290291	Original P&I	4157.02	4131.72	Verified	Field Value reflects Note value
302290291	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302314652	Representative FICO	786	789	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302314652	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302026383	Original Interest Rate	3	2.875	Verified	Field Value reflects the Note value
302026383	Original P&I	4022.1	3958.07	Verified	Field Value reflects Note value
302026383	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302026383	Refi Purpose	Rate/Term	Cash-out - Other	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302026383	Investor: Qualifying Total Debt Ratio	36	40.44392	Verified	UTD source of tape DTI.  Review matches loan approval.
302026383	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302387239	Property Type	Condo	Single Family Detached	Verified	Field Value captured from Appraisal or Valuation model in file
302387239	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302387239	Investor: Qualifying Total Debt Ratio	32	34.97056	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302387239	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
301988553	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
301988553	Investor: Qualifying Total Debt Ratio	38	40.22548	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302029673	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302367034	Representative FICO	817	804	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302367034	Investor: Qualifying Total Debt Ratio	27	35.19867	Verified	Matches lenders approval.
302029423	Representative FICO	787	758	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302029423	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302029423	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302400981	Investor: Qualifying Total Debt Ratio	41.6	33.73234	Verified	UW calculated taxes at 3555.00 a month , taxes are 1285.00 a month per tax cert and final Cd concurs.
302400981	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302318116	Representative FICO	801	792	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302318116	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302034272	Representative FICO	803	806	Verified	Processor cert shows a higher FICO was used.
302034272	Investor: Qualifying Total Debt Ratio	23.64	21.18245	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302335634	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302365608	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302365608	Original P&I	3895.84	3841.9	Verified	Field Value reflects Note value
302365608	Representative FICO	810	799	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302365608	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302070368	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302403228	Original Interest Rate	3.63	3.625	Verified	Field Value reflects the Note value
302403228	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302403228	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302248767	Representative FICO	791	794	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302248767	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302388202	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302388202	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302388202	Original P&I	4397.86	4314.88	Verified	Field Value reflects Note value
302388202	Representative FICO	813	808	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302388202	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302330679	Representative FICO	752	746	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302330679	Investor: Qualifying Total Debt Ratio	22.37	18.81792	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302330679	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302259687	Representative FICO	742	744	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302259687	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302259687	Investor: Qualifying Total Debt Ratio	38.46	22.44791	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302259687	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302332780	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302388852	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302388852	Original P&I	6071.1	5835	Verified	Field Value reflects Note value
302388852	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302388852	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302388852	Investor: Qualifying Total Debt Ratio	39.66	34.51735	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302388852	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302356779	Property Type	Single Family Detached	Condo (Low Rise)	Verified	Field Value captured from Appraisal or Valuation model in file
302356779	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302356779	Investor: Qualifying Total Debt Ratio	18.85	10.21952	Verified	<1% variance from the 1008.
302356779	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302371973	Investor: Qualifying Total Debt Ratio	19.437	28.09364	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302412224	Investor: Qualifying Total Debt Ratio	18	31.1969	Verified	Included xxxx payment.
302412224	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302173131	Representative FICO	794	807	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302173131	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302173131	Investor: Qualifying Total Debt Ratio	22.199	30.29946	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302173131	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302112535	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338244	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302356719	Representative FICO	724	746	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302356719	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302356719	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302128338	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302128338	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302130101	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302130101	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302130101	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302130101	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302130101	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302132591	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302132591	Original P&I	4544.89	4528.03	Verified	Field Value reflects Note value
302132591	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302132591	Investor: Qualifying Total Debt Ratio	22.819	38.00619	Verified	1008 in file reflects 23.736%/39.244%
301983859	Investor: Qualifying Total Debt Ratio	27.2	13.98885	Verified	1008 is 11.176% and we are within 1% variance.
302148583	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302148583	Original P&I	5354.69	5326.85	Verified	Field Value reflects Note value
302148583	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302148583	Investor: Qualifying Total Debt Ratio	20.023	34.40759	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302148583	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302148583	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302326623	Property Type	Single Family Detached	Condo (Low Rise)	Verified	Field Value captured from Appraisal or Valuation model in file
302326623	Investor: Qualifying Total Debt Ratio	30.72	36.30752	Verified	DTI matches the 1008
302326623	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302263954	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302263954	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302263954	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302326601	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302265701	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302336634	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316243	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302316243	Original P&I	3098.79	3132.52	Verified	Field Value reflects Note value
302316243	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302316243	Investor: Qualifying Total Debt Ratio	36.202	40.01652	Verified	Lender approved at 40.260%
302316243	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302394075	Investor: Qualifying Total Debt Ratio	41.28	38.87514	Verified	Verified DTI using income and debt information in the file.
302394075	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302460726	Investor: Qualifying Total Debt Ratio	42.83	39.65669	Verified	Lender DTI is 39.763%
302305769	Representative FICO	743	740	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302305769	Investor: Qualifying Total Debt Ratio	37.131	25.48927	Verified	Matches lenders 1008.
302305769	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302331380	Investor: Qualifying Total Debt Ratio	20.05	30.66417	Verified	Lender's 1008 reflects a DTI of 30.748%
302331380	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302371063	Investor: Qualifying Total Debt Ratio	35.39	31.05986	Verified	DTI stated on 1008 as 30.302%
302371063	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302371063	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302371934	Investor: Qualifying Total Debt Ratio	21.41	17.58644	Verified	Lender has calculated the Rental P&I against the borrower twice.  DTI stated on 1008 is 21.402%.
302259739	Representative FICO	799	801	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302259739	Investor: Qualifying Total Debt Ratio	39	27.90463	Verified	Lender DTI 27.914%.
302259739	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302288795	Investor: Qualifying Total Debt Ratio	36	39.91059	Verified	Field value DTI is within 2% of DTI on 1008 of 40.036%
302288795	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302269185	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302269185	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302269185	Investor: Qualifying Total Debt Ratio	18	20.39479	Verified	1008 reflects 22.755%
302269185	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302303139	Original CLTV	56.28	59.78	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302303139	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302403137	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302325138	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302325138	Original P&I	4126.09	4109.76	Verified	Field Value reflects Note value
302325138	Investor: Qualifying Total Debt Ratio	14.69	26.99048	Verified	Tape Value DTI cannot be located on any documentation within the loan file.
302325138	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302307763	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302307763	Refi Purpose	Rate/Term	Cash-out - Other	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302307763	Investor: Qualifying Total Debt Ratio	35.63	27.0612	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302307763	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286865	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302286865	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302286865	Investor: Qualifying Total Debt Ratio	25.36	36.32551	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302286865	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302307762	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302264886	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302264886	Refi Purpose	Rate/Term	Cash-out - Debt Consolidation	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302264886	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302462924	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302250043	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302250043	Investor: Qualifying Total Debt Ratio	24.08	35.39612	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302250043	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302265655	Investor: Qualifying Total Debt Ratio	39.2	42.49757	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302273035	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302258404	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302258404	Original P&I	3812.54	3818.97	Verified	Field Value reflects Note value
302258404	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302258404	Investor: Qualifying Total Debt Ratio	18.89	34.78468	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302258404	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302265900	Investor: Qualifying Total Debt Ratio	34.4	39.40875	Verified	1008 reflects 39.407%
302264591	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302302565	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302302565	Investor: Qualifying Total Debt Ratio	13.2	37.23713	Verified	DTI on 1008 is 39.393%
302302565	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302250503	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302250503	Original P&I	8069.66	8015.72	Verified	Field Value reflects Note value
302250503	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286931	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302286931	Original P&I	4003.71	3993.34	Verified	Field Value reflects Note value
302286931	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302286931	Investor: Qualifying Total Debt Ratio	42.74	19.0508	Verified	Unable to verify due to missing information
302286931	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302259736	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302290229	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302290229	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302290229	Investor: Qualifying Total Debt Ratio	16.22	24.56914	Verified	UW final DTI 22.581% per 1008
302290229	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302274646	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302274646	Original P&I	3634.46	3621.19	Verified	Field Value reflects Note value
302274646	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302274646	Investor: Qualifying Total Debt Ratio	31	39.17513	Verified	Field value DTI matches DTI on 1008 of 39.175%.
302274646	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302264869	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302260909	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302260909	Original CLTV	48.17	46.83	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302260909	Original LTV	48.17	46.83	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302264574	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302264574	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302281166	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302281166	Original P&I	3056.63	3119.87	Verified	Field Value reflects Note value
302281166	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302370917	Investor: Qualifying Total Debt Ratio	42.52	14.61789	Verified	Field value DTI is within 2% of DTI on 1008 of 15.253%
302370917	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302272965	Investor: Qualifying Total Debt Ratio	39.87	42.17257	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302410507	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302265854	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302265854	Original P&I	3035.55	3031.33	Verified	Field Value reflects Note value
302265854	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302265854	Refi Purpose	Cash-out	Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302265854	Original CLTV	79.56	73.74	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302265854	Original LTV	79.56	73.74	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302265854	Investor: Qualifying Total Debt Ratio	32.188	24.15908	Verified	DTI on 1008 is 24.523 vs 24.04032%, within 3% variance.
302273093	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302273093	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302273093	Investor: Qualifying Total Debt Ratio	23	26.20398	Verified	Field value DTI matches DTI on 1008 of 26.204%.
302273093	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302265884	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302265884	Investor: Qualifying Total Debt Ratio	35.09	16.68682	Verified	Based on income and liabilities provided.
302392765	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302392765	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302392765	Investor: Qualifying Total Debt Ratio	20.22	31.64675	Verified	Review DTI is higher at 33.62543% due to lower income calculation based on most recent verifications, and using a payment for the 30 day xxxx account from the credit supplement. DTI on 1008 is 30.584%.
302392765	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302268734	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302267488	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302267488	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302269204	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302269204	Original P&I	6699.79	6661.24	Verified	Field Value reflects Note value
302269204	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302270820	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302270820	Investor: Qualifying Total Debt Ratio	25.74	42.78887	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302270820	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316443	Property Type	Single Family Detached	Condo (Low Rise)	Verified	Field Value captured from Appraisal or Valuation model in file
302316443	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302316443	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302316443	Investor: Qualifying Total Debt Ratio	12.528	37.97864	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302263952	Refi Purpose	Rate/Term	Cash-out - Other	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302263952	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302269554	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302269554	Investor: Qualifying Total Debt Ratio	28	34.63501	Verified	Transmittal reported DTI of 34.635%.  Bid Tape is incorrect
302269554	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302285439	Property Type	2 Family	Single Family Detached	Verified	Field Value captured from Appraisal or Valuation model in file
302285439	Investor: Qualifying Total Debt Ratio	34.75	38.30093	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302285439	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302271700	Representative FICO	850	761	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302271700	Investor: Qualifying Total Debt Ratio	23.74	27.69236	Verified	Based on income and liabilities provided.
302271700	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302301628	Representative FICO	786	791	Verified	Field Value Representative FICO reflects the lowest mid score of the highest wage earner
302301628	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302301628	Investor: Qualifying Total Debt Ratio	39.47	41.71324	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302301628	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302274645	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302274645	Investor: Qualifying Total Debt Ratio	24	31.17869	Verified	<1% variance from the 1008.
302274645	Value Used For LTV Calculation	xxxx	xxxx	Verified	Per Appraised Value.
302271784	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302271784	Investor: Qualifying Total Debt Ratio	30.83	27.19109	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302274529	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302274529	Original P&I	3712.95	3651.72	Verified	Field Value reflects Note value
302274529	Investor: Qualifying Total Debt Ratio	30.64	42.91729	Verified	DTI shown on 1008 as 42.843.%
302274529	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302273031	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302273031	Original P&I	3883.22	3864.74	Verified	Field Value reflects Note value
302273031	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302273031	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Security Instrument Riders in file
302273031	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302273031	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302335484	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302335484	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302335484	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302335484	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302335484	Investor: Qualifying Total Debt Ratio	24.63	41.02018	Verified	Matches lenders 1008.
302335484	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302272976	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302272976	Original P&I	6842.12	6817.63	Verified	Field Value reflects Note value
302272976	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302276573	Appraised Value	xxxx	xxxx	Verified	Field Value reflects Approval/AUS value
302276573	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302273134	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302273134	Investor: Qualifying Total Debt Ratio	12	26.91753	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302273134	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302273133	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302273090	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302273090	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302273090	Investor: Qualifying Total Debt Ratio	8.91	19.79805	Verified	Based on income and liabilities provided
302273090	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302276572	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302276572	Original P&I	2635.03	2630.29	Verified	Field Value reflects Note value
302276572	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302276572	Original CLTV	74.94	73.4	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302276572	Original LTV	74.94	73.4	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302276572	Investor: Qualifying Total Debt Ratio	35.83	30.50604	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302277043	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302274642	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302278486	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302278486	Investor: Qualifying Total Debt Ratio	12.798	16.99656	Verified	Transmittal reports DTI of 16.997%,  Bid Tape is incorrect
302305750	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302305750	Original P&I	4367.91	4386.92	Verified	Field Value reflects Note value
302305750	Investor: Qualifying Total Debt Ratio	1.565	28.08749	Verified	DTI shown on 1008 29.948%
302286946	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302286946	Original P&I	3264.05	3287.98	Verified	Field Value reflects Note value
302286946	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302286946	Investor: Qualifying Total Debt Ratio	23.89	33.12784	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302286946	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302356463	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302329297	Representative FICO	787	786	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302329297	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302329297	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302408165	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302408165	Original P&I	4337.83	4177.17	Verified	Field Value reflects Note value
302408165	Appraised Value	xxxx	xxxx	Verified	Tape Value reflects Purchase Price
302408165	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302288793	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302323339	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302323339	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302323339	Original P&I	3501.69	3551.48	Verified	Field Value reflects Note value
302323339	Property Type	Condo	PUD Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302323339	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302323339	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302323339	Investor: Qualifying Total Debt Ratio	22.713	33.00752	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302323339	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302285434	Investor: Qualifying Total Debt Ratio	35	38.4273	Verified	Lender approved DTI is 38.427%, tape value is unknown.
302285434	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286926	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302286926	Original P&I	4078.13	4026.73	Verified	Field Value reflects Note value
302286926	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302286926	Original CLTV	80	78.33	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302286926	Original LTV	80	78.33	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302330593	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302330593	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302330593	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286859	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302286859	Original P&I	4323.18	4337.7	Verified	Field Value reflects Note value
302286859	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302286859	Investor: Qualifying Total Debt Ratio	24.17	31.37196	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302289125	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302289125	Original P&I	3212.82	3221.38	Verified	Field Value reflects Note value
302289125	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302289125	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302289125	Investor: Qualifying Total Debt Ratio	17.36	14.18597	Verified	The 1008 DTI is 13.906%
302325077	Investor: Qualifying Total Debt Ratio	19.43	38.95717	Verified	The 1008 DTI is 38.086%
302325077	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286856	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302286856	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286921	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302286921	Original CLTV	73.78	71.34	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302286921	Original LTV	73.78	71.34	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302305747	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302305747	Original CLTV	50.5	51.94	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302305747	Original LTV	50.5	51.94	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302305747	Investor: Qualifying Total Debt Ratio	17.24	26.18086	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302406279	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302403848	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302403848	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302403848	Original P&I	4082.41	4386.55	Verified	Field Value reflects Note value
302403848	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302288904	Property Type	PUD	Single Family Detached	Verified	Field Value captured from Appraisal or Valuation model in file
302288904	Investor: Qualifying Total Debt Ratio	21.02	38.58839	Verified	Field value DTI is within 2% of DTI on 1008 of 38.682%.
302288904	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302288952	Investor: Qualifying Total Debt Ratio	25.563	17.85304	Verified	Lender approved DTI is 17.853%, tape value is unknown.
302408225	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302408225	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302290267	Representative FICO	801	785	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302290267	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302393991	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302393991	Original P&I	2776.46	2754.47	Verified	Field Value reflects Note value
302393991	Appraised Value	xxxx	xxxx	Verified	Unable to verify due to missing information
302393991	Investor: Qualifying Total Debt Ratio	7	11.83309	Verified	Lender DTI 11.833%.
302393991	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302303752	Investor: Qualifying Total Debt Ratio	19.93	24.41293	Verified	DTI was adjusted when all income and debt were verified
302303752	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302303244	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302303244	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302303244	Original P&I	2730.89	2716.97	Verified	Field Value reflects Note value
302303244	Investor: Qualifying Total Debt Ratio	31.43	35.69938	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302303244	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302307759	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302307759	Original P&I	3696.69	3677.19	Verified	Field Value reflects Note value
302307759	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302307759	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302307759	Investor: Qualifying Total Debt Ratio	27.36	36.01385	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302307759	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302303179	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302303179	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302303179	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302303134	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302303134	Original P&I	2870.12	2887.25	Verified	Field Value reflects Note value
302303134	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302303134	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302303158	Investor: Qualifying Total Debt Ratio	30.04	22.79317	Verified	Field Value DTI is lower than Tape value but within 3% and < 43% DTI
302303158	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302304095	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302304095	Original P&I	4497.94	4524.72	Verified	Field Value reflects Note value
302304095	Appraised Value	xxxx	xxxx	Verified	Field Value reflects Approval/AUS value
302304095	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302304095	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302305732	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302305732	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302303243	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302303243	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302303243	Investor: Qualifying Total Debt Ratio	23.62	31.01676	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302303243	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302303243	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302314340	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302314340	Value Used For LTV Calculation	xxxx	xxxx	Verified	Unable to verify due to missing information
302303760	Representative FICO	773	760	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302303760	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302303760	Investor: Qualifying Total Debt Ratio	18.44	30.72267	Verified	Lender approved DTI is 30.727%, tape value is unknown.
302303760	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302304053	Investor: Qualifying Total Debt Ratio	43	34.07904	Verified	Review DTI is 34.08204%. DTI on 1008 is 35.051%.
302304053	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302304077	Investor: Qualifying Total Debt Ratio	12.98	10.97541	Verified	Lender approved at 10.975%
302304077	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302307066	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302304075	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302304075	Original P&I	5221.4	5217.73	Verified	Field Value reflects Note value
302304075	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302304075	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302305765	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302305765	Original P&I	2483.96	2493.81	Verified	Field Value reflects Note value
302305765	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302305765	Original CLTV	77.83	72.32	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302305765	Original LTV	77.83	72.32	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302323420	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302323420	Investor: Qualifying Total Debt Ratio	9.533	37.10422	Verified	file was approved at  38
302321635	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302321635	Investor: Qualifying Total Debt Ratio	15.73	18.94772	Verified	DTI on 1008 is 18.948%
302305764	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302305743	Representative FICO	810	809	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302305743	Investor: Qualifying Total Debt Ratio	28	25.85626	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302305743	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302305762	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302305762	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302305762	Investor: Qualifying Total Debt Ratio	27	39.28353	Verified	Lender Debt Ratio is 39.284% per transmittal
302305762	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302307708	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302307708	Original P&I	2487.46	3094.57	Verified	Field Value reflects Note value
302307708	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302307708	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302307708	Investor: Qualifying Total Debt Ratio	24.72	30.33632	Verified	Lender approved at 30.337%
302307708	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302307063	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302307063	Original P&I	2546.49	2565.46	Verified	Field Value reflects Note value
302307063	Representative FICO	770	779	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302316241	Property Type	Condo	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302316241	Investor: Qualifying Total Debt Ratio	32.031	18.9655	Verified	Field Value is lower
302316241	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302307753	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302307753	Original P&I	3062.88	2997.34	Verified	Field Value reflects Note value
302307753	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302307753	Investor: Qualifying Total Debt Ratio	22.24	13.17185	Verified	Loan was approved at 12.476
302323419	Representative FICO	800	805	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302323419	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302307772	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302307772	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302307772	Investor: Qualifying Total Debt Ratio	19.57	24.09416	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302307772	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302320962	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302320962	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302318350	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302318350	Original P&I	6094.77	6148.71	Verified	Field Value reflects Note value
302318350	Appraised Value	xxxx	xxxx	Verified	Field Value reflects Approval/AUS value
302318350	Investor: Qualifying Total Debt Ratio	4.98	20.90691	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302318350	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302323367	Investor: Qualifying Total Debt Ratio	11.416	14.72687	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302323367	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302320961	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302320961	Original P&I	2858.61	2850.31	Verified	Field Value reflects Note value
302320961	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302320961	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302315939	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302315939	Original P&I	2302.65	2317.17	Verified	Field Value reflects Note value
302315939	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302315939	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302315939	Investor: Qualifying Total Debt Ratio	17.326	25.11384	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302315939	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302315938	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302315938	Original P&I	3638.32	3610.04	Verified	Field Value reflects Note value
302316409	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302316409	Original P&I	2213.42	2209.21	Verified	Field Value reflects Note value
302316409	Appraised Value	xxxx	xxxx	Verified	Unable to verify due to missing information
302316409	Investor: Qualifying Total Debt Ratio	13.75	26.95722	Verified	DTI Calculated matches Final 1008
302316409	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302318348	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302318348	Investor: Qualifying Total Debt Ratio	23.84	41.98546	Verified	1008 reflects 41.731% d/r.
302318348	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316436	Property Type	Single Family Attached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302316436	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302316436	Investor: Qualifying Total Debt Ratio	5.865	15.93417	Verified	The 1008 DTI is 18.023%
302316436	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316111	Investor: Qualifying Total Debt Ratio	8.38	23.74791	Verified	qualifying DTI per the 1008 is 24.609%
302316111	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302326621	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302326621	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302318095	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302318095	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302318095	Investor: Qualifying Total Debt Ratio	31.189	34.0093	Verified	DTI shown on 1008 34.009%
302318095	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302318347	Property Type	Condo	Single Family Detached	Verified	Field Value captured from Appraisal or Valuation model in file
302318347	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302318347	Investor: Qualifying Total Debt Ratio	11.594	38.9375	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302316109	Appraised Value	xxxx	xxxx	Verified	Unable to verify due to missing information
302316109	Investor: Qualifying Total Debt Ratio	17.782	29.15429	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302316109	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316239	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302316239	Investor: Qualifying Total Debt Ratio	19.074	23.43903	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302316239	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316404	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302316404	Original P&I	5926.76	5912.3	Verified	Field Value reflects Note value
302316404	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302316404	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316435	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302316435	Original P&I	4070.16	4064.45	Verified	Field Value reflects Note value
302316435	Property Type	Single Family Detached	Condo (Low Rise)	Verified	Field Value captured from Appraisal or Valuation model in file
302316435	Investor: Qualifying Total Debt Ratio	10.822	18.51278	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302316435	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316434	Investor: Qualifying Total Debt Ratio	33.5	30.75635	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302316434	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302321621	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302321621	Original P&I	2976.52	2934.36	Verified	Field Value reflects Note value
302321621	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302321621	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302325312	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302325312	Investor: Qualifying Total Debt Ratio	25.61	39.49241	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302325312	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302331379	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302331379	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302331379	Original P&I	4082	4082.24	Verified	Field Value reflects Note value
302331379	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302331379	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302331379	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302318345	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302318345	Investor: Qualifying Total Debt Ratio	40	26.09338	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302318345	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302318380	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302318380	Investor: Qualifying Total Debt Ratio	27.692	30.48132	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302318380	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302318093	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302318093	Original P&I	3177.01	3259.7	Verified	Field Value reflects Note value
302318093	Investor: Qualifying Total Debt Ratio	17.9	20.76613	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302318093	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338272	Investor: Qualifying Total Debt Ratio	27.02	37.95653	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302338272	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302320981	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302320981	Original P&I	4441.66	4437.81	Verified	Field Value reflects Note value
302320981	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302320981	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302318344	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302318344	Investor: Qualifying Total Debt Ratio	25.446	17.94835	Verified	Field Value DTI is lower than Tape value but within 3% and < 43% DTI
302318344	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302320903	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302320903	Investor: Qualifying Total Debt Ratio	21.714	32.23112	Verified	Matches lenders 1008.
302320903	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302320903	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302323336	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302323336	Original P&I	4377.12	4368.82	Verified	Field Value reflects Note value
302323336	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302323336	Investor: Qualifying Total Debt Ratio	25.466	31.56929	Verified	DTI matches 1008
302323336	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302318400	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302318400	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302318400	Investor: Qualifying Total Debt Ratio	23.63	29.02268	Verified	Unable to verify due to missing information
302318400	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302319587	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302325310	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302325310	Original P&I	2456.16	2431.27	Verified	Field Value reflects Note value
302325310	Investor: Qualifying Total Debt Ratio	22.58	25.0242	Verified	Unable to verify due to missing information
302325310	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302320436	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302320436	Original CLTV	65	54.9	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302320436	Original LTV	65	54.9	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302320436	Investor: Qualifying Total Debt Ratio	22.53	41.58824	Verified	1008 reflects 41.588%
302409344	Investor: Qualifying Total Debt Ratio	25.22	37.32873	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302409344	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327795	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302327795	Original P&I	3465.56	3478.21	Verified	Field Value reflects Note value
302327795	Investor: Qualifying Total Debt Ratio	13.97	34.5937	Verified	Loan was approved at 34% DTI
302327795	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302320978	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302320978	Investor: Qualifying Total Debt Ratio	23.126	26.91013	Verified	Review DTI is 26.87273%. DTI on 1008 is 26.910.
302320978	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302321625	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302321625	Original P&I	3943.61	3923.2	Verified	Field Value reflects Note value
302321625	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302321625	Investor: Qualifying Total Debt Ratio	33.69	30.8666	Verified	<1% variance from the 1008.
302321625	Value Used For LTV Calculation	xxxx	xxxx	Verified	Per the Appraisal.
302321649	Property Type	PUD	PUD Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302321649	Investor: Qualifying Total Debt Ratio	22.69	19.53776	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302321649	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302325279	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302325279	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302321648	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302321648	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302321648	Investor: Qualifying Total Debt Ratio	35.33	38.31241	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302321648	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302321639	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302321639	Appraised Value	xxxx	xxxx	Verified	Unable to verify due to missing information
302321639	Investor: Qualifying Total Debt Ratio	16.75	26.64765	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302321639	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302321637	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302321637	Original CLTV	71	69.41	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302321637	Original LTV	71	69.41	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302321637	Investor: Qualifying Total Debt Ratio	29.79	39.23735	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302323400	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302323400	Original P&I	3596.6	3597.01	Verified	Field Value reflects Note value
302323400	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302323400	Original CLTV	57	64.31	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302323400	Original LTV	57	64.31	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302323400	Investor: Qualifying Total Debt Ratio	21.799	31.43077	Verified	Final 1008 shows DTI of 31.431% which matches calculated value.
302326595	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302326595	Original P&I	3734.03	3765.15	Verified	Field Value reflects Note value
302326595	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302326595	Investor: Qualifying Total Debt Ratio	25.58	41.85148	Verified	<1% variance from the 1008.
302326595	Value Used For LTV Calculation	xxxx	xxxx	Verified	Per the Appraised Value.
302327823	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302327823	Original P&I	2384.13	2139.18	Verified	Field Value reflects Note value
302327823	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327823	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302327823	Investor: Qualifying Total Debt Ratio	24.7	29.36234	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302327823	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302323266	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302336584	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302336584	Investor: Qualifying Total Debt Ratio	39.15	28.16321	Verified	1008 reflects 26.953%
302336584	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302323399	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302323399	Original P&I	3335.74	3314.99	Verified	Field Value reflects Note value
302323399	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302326592	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302325277	Investor: Qualifying Total Debt Ratio	16.65	35.88747	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302325277	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302323363	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302323363	Original Interest Rate	2.75	2.5	Verified	Field Value reflects the Note value
302323363	Original P&I	8850.49	8550.02	Verified	Field Value reflects Note value
302323363	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302323363	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302323415	Investor: Qualifying Total Debt Ratio	28.884	38.40679	Verified	1008 reflects 38.404%
302327901	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302327901	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302327901	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302327901	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327901	Investor: Qualifying Total Debt Ratio	25.87	32.40036	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302327901	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302325274	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302325274	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302325071	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302325071	Investor: Qualifying Total Debt Ratio	29.2	35.3013	Verified	Verified Calculated DTI matches 1008.
302325071	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302325273	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302325273	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302326616	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302326616	Original P&I	3364.78	3356.48	Verified	Field Value reflects Note value
302326616	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302326616	Original CLTV	54	50.72	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302326616	Original LTV	54	50.72	Verified	Tape value reflects the higher of multiple Appraisals in file, Field Value reflects the lowest appraised value
302326616	Investor: Qualifying Total Debt Ratio	23.808	32.47925	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302326585	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302326585	Investor: Qualifying Total Debt Ratio	38.919	32.94775	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302326585	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302326584	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327860	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327860	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327786	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302327786	Original P&I	5119.77	5213.12	Verified	Field Value reflects Note value
302327786	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327786	Investor: Qualifying Total Debt Ratio	5.78	14.67332	Verified	Unable to verify due to missing information
302327786	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327210	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327210	Investor: Qualifying Total Debt Ratio	2	20.45457	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302327210	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332820	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302332820	Original P&I	3401.29	3397.97	Verified	Field Value reflects Note value
302332820	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302332820	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302332820	Original CLTV	74.53	78	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302332820	Original LTV	74.53	78	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302327857	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302327857	Original P&I	3329.33	3316.27	Verified	Field Value reflects Note value
302327857	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327857	Investor: Qualifying Total Debt Ratio	14.34	19.67857	Verified	DTI stated on 1008 is 19.677%
302327857	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327898	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302327898	Original P&I	2745.89	2711.62	Verified	Field Value reflects Note value
302327898	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327898	Investor: Qualifying Total Debt Ratio	19.88	38.81958	Verified	Field value DTI matches DTI on 1008 of 38.82%
302327898	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302329306	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302329306	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302329306	Investor: Qualifying Total Debt Ratio	30.96	23.56902	Verified	Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit
302329306	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327856	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302327856	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327856	Investor: Qualifying Total Debt Ratio	21.64	11.71472	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302327856	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302329294	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302329294	Original P&I	2925.93	2908.65	Verified	Field Value reflects Note value
302329294	Investor: Qualifying Total Debt Ratio	17	28.42901	Verified	Higher payment on xxxx accounts.
302329294	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302329305	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302329305	Original P&I	4641.7	4633.54	Verified	Field Value reflects Note value
302329305	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302329305	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302330678	Investor: Qualifying Total Debt Ratio	32.26	36.9262	Verified	Lender's 1008 reflects a DTI of 36.402%
302330678	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302329292	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302329388	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302329388	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302329388	Original CLTV	63.41	65	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302329388	Original LTV	63.41	65	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302330589	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302330589	Original P&I	3341.33	3307.06	Verified	Field Value reflects Note value
302330589	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302330589	Investor: Qualifying Total Debt Ratio	22.4	26.19176	Verified	Lender approved at 26.145%
302330589	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302331113	Property Type	PUD	Condo (Low Rise)	Verified	Field Value captured from Appraisal or Valuation model in file
302331113	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302331113	Investor: Qualifying Total Debt Ratio	39.96	36.9407	Verified	Based on income and liabilities provided.
302331113	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302335500	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302335500	Original P&I	3808.89	3788.48	Verified	Tape Value reflects PITI
302335500	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302335500	Original CLTV	64.34	61.87	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302335500	Original LTV	64.34	61.87	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302335500	Investor: Qualifying Total Debt Ratio	34.58	36.73226	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302332708	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302332708	Original P&I	2821.27	2826.25	Verified	Field Value reflects Note value
302332708	Appraised Value	xxxx	xxxx	Verified	Unable to verify due to missing information
302332708	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302332708	Investor: Qualifying Total Debt Ratio	32.86	23.78903	Verified	Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit
302332708	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302331112	Investor: Qualifying Total Debt Ratio	34.19	38.25164	Verified	Matches Final 1008
302338137	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302373590	Investor: Qualifying Total Debt Ratio	7	30.74306	Verified	Lender approved DTI is 30.733%, tape value is unknown.
302331371	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302331371	Original P&I	5241.82	5222.22	Verified	Field Value reflects Note value
302331371	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302331371	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332684	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302332684	Original CLTV	71.56	68.51	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302332684	Original LTV	71.56	68.51	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302332684	Investor: Qualifying Total Debt Ratio	13	24.48229	Verified	Lender approved at 24.443%
302332736	Borrower Last Name	xxxx	xxxx	Verified	Unable to verify due to missing information
302332736	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302332736	Original P&I	4037.51	4041.59	Verified	Field Value reflects Note value
302332736	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302332736	Investor: Qualifying Total Debt Ratio	12	14.66287	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302332736	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302367061	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302367061	Original CLTV	47.69	51.7	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302367061	Original LTV	47.69	51.7	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302332706	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332771	Investor: Qualifying Total Debt Ratio	23.14	37.53873	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302332771	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332735	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302332735	Original CLTV	71.43	74.63	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302332735	Original LTV	71.43	74.63	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302387170	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302387170	Original P&I	2960.16	2956.15	Verified	Field Value reflects Note value
302387170	Representative FICO	790	812	Verified	Field Value Representative FICO reflects the lowest mid score of the highest wage earner
302387170	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302387170	Original CLTV	71.21	80	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302387170	Original LTV	71.21	80	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302387170	Investor: Qualifying Total Debt Ratio	14	18.06628	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302338136	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302338136	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302338136	Investor: Qualifying Total Debt Ratio	24.65	33.14989	Verified	The 1008 DTI is 33.041%
302338136	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372194	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302372194	Original P&I	3485.1	3746.48	Verified	Field Value reflects Note value
302372194	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302372194	Investor: Qualifying Total Debt Ratio	42	38.52683	Verified	Matches 1008.
302372194	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302337334	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302337334	Investor: Qualifying Total Debt Ratio	37.88	41.09608	Verified	<1% variance from the 1008.
302337334	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332703	Property Type	Single Family Detached	PUD Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302332703	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302332703	Investor: Qualifying Total Debt Ratio	16.42	20.44104	Verified	Lender DTI 20.443%.
302332703	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332680	Investor: Qualifying Total Debt Ratio	28	19.87421	Verified	DTI ratio per 1008 is 22.639%
302332680	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332767	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302332767	Investor: Qualifying Total Debt Ratio	24.05	36.67971	Verified	The 1008 DTI is 38.228%
302332767	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332765	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302332765	Investor: Qualifying Total Debt Ratio	23.55	42.51114	Verified	Unable to determine source of tape data, per 1008 Total Debt Ratio is 41.034%
302332765	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332734	Investor: Qualifying Total Debt Ratio	15.76	26.48041	Verified	Matches 1008.
302332734	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332764	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302332764	Investor: Qualifying Total Debt Ratio	18.37	30.82331	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302332764	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332763	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302332763	Investor: Qualifying Total Debt Ratio	20.03	33.20745	Verified	Lender approved at 33.056%. Lender used higher net loss for investment property when calculating DTI.  Borrower appears to have refinanced investment property, however documentation for new PITI and any net proceeds not provided.
302332763	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302356625	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302356625	Investor: Qualifying Total Debt Ratio	23.09	26.20621	Verified	Within 3% of lenders 1008.
302356625	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302335481	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302335481	Original P&I	2613.82	2605.52	Verified	Field Value reflects Note value
302335481	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302335481	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302337330	Property Type	Single Family Detached	Single Family Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302337330	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302337330	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302388330	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302335480	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302335480	Investor: Qualifying Total Debt Ratio	24	19.6408	Verified	Lender approved at 18.5% which is within of the 3% tolerance.
302335480	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302337265	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302337265	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302337265	Original CLTV	64	75.14	Verified	used initial appraised value instead of retype
302337265	Original LTV	64	75.14	Verified	used initial appraised value instead of retype
302337265	Investor: Qualifying Total Debt Ratio	42	37.83666	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302337296	Investor: Qualifying Total Debt Ratio	18.39	26.37849	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302335625	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302335625	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302369383	Borrower First Name	xxxx	xxxx
302369383	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302369383	Investor: Qualifying Total Debt Ratio	13.78	35.78126	Verified	DTI Calculation matches Final 1008.
302369383	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302335649	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302335649	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302336603	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302336603	Original P&I	6013.45	5980.73	Verified	Field Value reflects Note value
302336603	Property Type	Single Family Detached	Single Family Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302336603	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302337327	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302337327	Original P&I	2354.66	2348.33	Verified	Field Value reflects Note value
302337327	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302337327	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302337327	Investor: Qualifying Total Debt Ratio	25.48	23.01892	Verified	Within 3%
302337327	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302394074	Property Type	Single Family Attached	Single Family Detached	Verified	Field Value captured from Appraisal or Valuation model in file
302394074	Investor: Qualifying Total Debt Ratio	22	36.23293	Verified	DTI stated on 1008 is 36.244%
302394074	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302337264	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302337264	Original P&I	3776.23	3823.18	Verified	Field Value reflects Note value
302337264	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302337264	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338240	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302337293	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302337293	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302337293	Investor: Qualifying Total Debt Ratio	32.1	27.1322	Verified	Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit
302370945	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302370945	Investor: Qualifying Total Debt Ratio	10.95	15.17744	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302370945	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338238	Appraised Value	xxxx	xxxx	Verified	Tape Value reflects Purchase Price
302338238	Investor: Qualifying Total Debt Ratio	23.54	28.14612	Verified	Lender approved DTI is 28.570%, Tape value is unknown.
302338238	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338265	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302338265	Original CLTV	72.8	71.02	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302338265	Original LTV	72.8	71.02	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302338265	Investor: Qualifying Total Debt Ratio	31.56	36.8213	Verified	Matches 1008.
302338235	Representative FICO	802	804	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302338235	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302338235	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302356460	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302356460	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302356459	Investor: Qualifying Total Debt Ratio	38.06	42.97428	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302356459	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338234	Investor: Qualifying Total Debt Ratio	38.22	42.49943	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302338234	Value Used For LTV Calculation	xxxx	xxxx	Verified	Final sale price is $xxxx. CD dated 12/28/20 has a sales price of $xxxx.
302338232	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302338232	Original P&I	3165.42	3168.44	Verified	Field Value reflects Note value
302338232	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302338232	Original CLTV	74.71	77.08	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302338232	Original LTV	74.71	77.08	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302338232	Investor: Qualifying Total Debt Ratio	33.69	35.80358	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302338230	Property Type	Single Family Detached	Single Family Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302338230	Investor: Qualifying Total Debt Ratio	22.87	19.29062	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302338230	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302365586	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302365586	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302365586	Original P&I	3572.22	3601.27	Verified	Field Value reflects Note value
302365586	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302365586	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302365586	Investor: Qualifying Total Debt Ratio	27.84	30.51452	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302365586	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302371060	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302371060	Original P&I	3941.48	3870.95	Verified	Field Value reflects Note value
302371060	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302371060	Investor: Qualifying Total Debt Ratio	8.58	21.03893	Verified	<1% variance from the 1008.
302371060	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332768	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302365580	Property Type	Condo	Single Family Detached	Verified	Field Value captured from Appraisal or Valuation model in file
302365580	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302365580	Investor: Qualifying Total Debt Ratio	27.91	35.24408	Verified	Lender approved at 35.438%
302365580	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372411	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302372411	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302369352	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302369352	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302369352	Investor: Qualifying Total Debt Ratio	19.16	23.72655	Verified	Unable to verify due to missing information
302369352	Value Used For LTV Calculation	xxxx	xxxx	Verified	Unable to verify due to missing information
302372336	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302372336	Investor: Qualifying Total Debt Ratio	25	31.25351	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302372336	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372092	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302371057	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302371057	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302371052	Appraised Value	xxxx	xxxx	Verified	Tape Value reflects Purchase Price
302371052	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302373586	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302373586	Investor: Qualifying Total Debt Ratio	16	11.78747	Verified	UW qualified more consumer debt than was qualified upon review.
302373586	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372382	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302372382	Original P&I	4646.8	4951.74	Verified	Field Value reflects Note value
302372382	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302372382	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302388844	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302388844	Original P&I	2935.25	2976.08	Verified	Field Value reflects Note value
302388844	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302388844	Investor: Qualifying Total Debt Ratio	9.84	17.45722	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302388844	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302388876	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302388876	Investor: Qualifying Total Debt Ratio	22	33.26213	Verified	33% is what the UW used to approve loan
302388876	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302391362	Refi Purpose	Cash-out	Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302391362	Investor: Qualifying Total Debt Ratio	42.62	39.55824	Verified	<1% variance from the 1008.
302391362	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302391303	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302391303	Investor: Qualifying Total Debt Ratio	30.41	34.21807	Verified	DTI stated on 1008 is 34.218%
302391303	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302392708	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302392708	Original P&I	2859.32	2773.92	Verified	Field Value reflects Note value
302392708	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302392708	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302392708	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302398753	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302398753	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302391418	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302391418	Investor: Qualifying Total Debt Ratio	10	29.64621	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302391418	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302394071	Investor: Qualifying Total Debt Ratio	27	40.25367	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302394071	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302392736	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302392736	Original P&I	3364.78	3371	Verified	Field Value reflects Note value
302392736	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302392736	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302392734	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302392734	Original CLTV	58.28	55.48	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302392734	Original LTV	58.28	55.48	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302392734	Investor: Qualifying Total Debt Ratio	22	31.37179	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302393971	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302393971	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302393971	Original P&I	4057.92	4041.59	Verified	Field Value reflects Note value
302393971	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302393971	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302409387	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302409387	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302394694	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302394694	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302400054	Investor: Qualifying Total Debt Ratio	32.63	36.38321	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302400054	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302401352	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302401971	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302401971	Original P&I	5840	5877.15	Verified	Field Value reflects Note value
302401971	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302401971	Investor: Qualifying Total Debt Ratio	30	34.98329	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302401971	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302407340	Coborrower Last Name	xxxx	xxxx	Verified	Field Value reflects Co-Borrower name as it appears on the Note
302407340	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302407340	Original P&I	3572.11	3627.22	Verified	Field Value reflects Note value
302407340	Representative FICO	790	794	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302407340	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302407340	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302407340	Investor: Qualifying Total Debt Ratio	20.8	32.62401	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302407340	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302408086	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302408086	Investor: Qualifying Total Debt Ratio	35.69	29.53807	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302408086	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302408736	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302408736	Original P&I	3869.65	3843.59	Verified	Field Value reflects Note value
302408736	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302408736	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302408736	Original CLTV	68.44	70	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302408736	Original LTV	68.44	70	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302184694	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302184694	Representative FICO	773	772	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302184694	Investor: Qualifying Total Debt Ratio	36.05	40.08221	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302278911	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302278911	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302278911	Investor: Qualifying Total Debt Ratio	35.09	30.30987	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302325064	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302325064	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302325064	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302334906	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302274668	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302274668	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302274668	Refi Purpose	Cash-out	Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302274668	Original CLTV	51.76	52.96	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302274668	Original LTV	51.76	52.96	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302423519	Investor: Qualifying Total Debt Ratio	37.2655	30.59548	Verified	Lender DTI = 30.595%
302396605	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302396605	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302408228	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302408228	Original CLTV	34.23	39.12	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302408228	Original LTV	34.23	39.12	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302278907	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302278907	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302278907	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302288897	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302331175	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302331175	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302331175	Investor: Qualifying Total Debt Ratio	39.0135	34.3416	Verified	DTI captured using most conservative model
302332752	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302332752	Representative FICO	795	769	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302332752	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302332752	Investor: Qualifying Total Debt Ratio	22.017	38.90983	Verified	Lender approved the subject loan with a DTI of 35.556%. Tape Data reflects the housing ratio which is 22.952%.
302412219	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302288124	Original Interest Rate	3.25	3	Verified	Field Value reflects the Note value
302288124	Original P&I	4504.93	4364.13	Verified	Field Value reflects Note value
302288124	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302288124	Investor: Qualifying Total Debt Ratio	22.04	28.93583	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302288124	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327913	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302327913	Investor: Qualifying Total Debt Ratio	22.57	25.71834	Verified	DTI stated on 1008 is 26.175%. Calculated qualifying income based on Base Pay, Overtime and Bonus is slightly higher than amount used on Final 1003, and accounts for slight DTI variance from 1008.
302327913	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372927	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302372927	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302248419	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302248419	Original P&I	4047.4	3963.08	Verified	Field Value reflects Note value
302248419	Representative FICO	756	735	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302248419	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302248419	Investor: Qualifying Total Debt Ratio	40.69	42.80115	Verified	DTI stated on 1008 is 42.952%
302248419	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302263969	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302263969	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302263969	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302263969	Original P&I	2360.98	2377.85	Verified	Field Value reflects Note value
302263969	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302263969	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302263969	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302263969	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302275386	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302275386	Investor: Qualifying Total Debt Ratio	14.6	22.69984	Verified	Approval and Transmittal reported DTI of 22.463%
302275386	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302278996	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302315007	Original Interest Rate	2.88	2.875	Verified	Field Value reflects the Note value
302315007	Representative FICO	760	744	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302315007	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302315007	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302278995	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302278995	Original Interest Rate	2.88	2.875	Verified	Field Value reflects the Note value
302278995	Original P&I	2551.59	2561.96	Verified	Field Value reflects Note value
302278995	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302278995	Contract Sales Price	xxxx	xxxx	Verified	Unable to verify due to missing information
302278995	Investor: Qualifying Total Debt Ratio	36.62	40.36403	Verified	Unable to verify due to missing information
302278995	Value Used For LTV Calculation	xxxx	xxxx	Verified	Unable to verify due to missing information
302280899	Original Interest Rate	3.13	3.125	Verified	Field Value reflects the Note value
302280899	Contract Sales Price	xxxx	xxxx	Verified	This is a refinance, Sales price is not applicable.
302280899	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286688	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302286688	Original Interest Rate	2.75	2.875	Verified	Field Value reflects the Note value
302286688	Original P&I	4813.16	4879.14	Verified	Field Value reflects Note value
302286688	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302286688	Investor: Qualifying Total Debt Ratio	15.52	30.49109	Verified	Field Value DTI is higher than Tape value due to Lender used lower PITIA than verified by audit
302286688	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286687	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302286687	Original Interest Rate	3.25	2.75	Verified	Field Value reflects the Note value
302286687	Original P&I	2676.52	2551.51	Verified	Field Value reflects Note value
302286687	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302286687	Contract Sales Price	xxxx	xxxx	Verified	The subject loan is a refinance.
302286687	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302288119	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302288119	Original P&I	3324.98	3029.04	Verified	Field Value reflects Note value
302288119	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302288119	Contract Sales Price	xxxx	xxxx	Verified	Unable to verify due to missing information
302288119	Investor: Qualifying Total Debt Ratio	14.35	19.79989	Verified	Unable to verify due to missing information
302288119	Value Used For LTV Calculation	xxxx	xxxx	Verified	Unable to verify due to missing information
302290324	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302290324	Original P&I	3068.2	3092.14	Verified	Field Value reflects Note value
302290324	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302290324	Contract Sales Price	xxxx	xxxx	Verified	Rate/Term Refinance
302290324	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302290323	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302290323	Original Interest Rate	2.88	2.875	Verified	Field Value reflects the Note value
302290323	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302290323	Investor: Qualifying Total Debt Ratio	27.04	31.78846	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302290323	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302290319	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302290319	Original P&I	4144.37	4131.72	Verified	Field Value reflects Note value
302290319	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302290319	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302290319	Investor: Qualifying Total Debt Ratio	42.29	35.01591	Verified	Investor DTI is in line with Lender DTI.
302290319	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302315004	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302315004	Original Interest Rate	2.88	2.875	Verified	Field Value reflects the Note value
302315004	Original P&I	7003.39	6978.49	Verified	Field Value reflects Note value
302315004	Representative FICO	792	788	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302315004	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302315004	Investor: Qualifying Total Debt Ratio	15.78	23.33606	Verified	Per final 1008, approved at 24.187% DTI- unable to determine source of tape value.
302315004	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302303905	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302303905	Original P&I	4490.65	4521.27	Verified	Field Value reflects Note value
302303905	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302303905	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302303905	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302305800	Investor: Qualifying Total Debt Ratio	24.65	34.30303	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302305800	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302306392	Original Interest Rate	2.88	2.875	Verified	Field Value reflects the Note value
302306392	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302306392	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302315001	Investor: Qualifying Total Debt Ratio	29.49	33.4999	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302315001	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302314998	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302314998	Original Interest Rate	2.88	2.75	Verified	Field Value reflects the Note value
302314998	Original P&I	4012.01	3970.15	Verified	Field Value reflects Note value
302314998	Representative FICO	710	794	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302314998	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302314998	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302314996	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302314996	Original P&I	3525	3551.94	Verified	Field Value reflects Note value
302314996	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302314996	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316429	Original Interest Rate	2.88	2.875	Verified	Field Value reflects the Note value
302316429	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302316429	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302316429	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the HUD-1 or CD
302316429	Investor: Qualifying Total Debt Ratio	28.41	25.93587	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302316429	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302326606	Original Interest Rate	3.13	3.125	Verified	Field Value reflects the Note value
302326606	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302326606	Investor: Qualifying Total Debt Ratio	20.35	22.5088	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302326606	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327084	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302327084	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338177	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302338177	Investor: Qualifying Total Debt Ratio	38.81	41.95695	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302338177	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372063	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302372063	Contract Sales Price	xxxx	xxxx	Verified	Unable to verify due to missing information
302372063	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372058	Original Interest Rate	2.63	2.625	Verified	Field Value reflects the Note value
302372058	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302372058	Investor: Qualifying Total Debt Ratio	27.57	32.57815	Verified	Lender DTI = 31.938%
302372058	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372916	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302372916	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302372916	Investor: Qualifying Total Debt Ratio	36.18	39.93305	Verified	Unable to speak of where 36.18% bid tape field value arrived from, but the Final 1008 reflects 39.84% which is in line with field value.
302372916	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302173081	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302173081	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302173081	Original CLTV	53.83	49.69	Verified	Per appraised value vs the note amt
302173081	Original LTV	53.83	49.69	Verified	Per appraised value vs the note amt
302173081	Investor: Qualifying Total Debt Ratio	33.78	40.68644	Verified	Lender did not include new payments for the rental properties. Notes are in the file.
302132382	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302132382	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302132382	Investor: Qualifying Total Debt Ratio	17.74	33.69764	Verified	Lender approved DTI is 33.699%, tape DTI is unknown.
302304044	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302304044	Investor: Qualifying Total Debt Ratio	23.1238	40.92754	Verified	Field value matches the final lender 1008 / transmittal
302307729	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302307729	Refi Purpose		Rate/Term	Verified	Unable to verify due to missing information
302307729	Investor: Qualifying Total Debt Ratio	33.524	36.86144	Verified	The 1008 reflects the DTI as 36.535%.
302276549	Original CLTV	61.72	65.21	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302276549	Original LTV	61.72	65.21	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302276549	Investor: Qualifying Total Debt Ratio	20.32	24.41127	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302337282	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302337282	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302337282	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302337282	Original CLTV	79.61	72.81	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302337282	Original LTV	79.61	72.81	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302337282	Investor: Qualifying Total Debt Ratio	31.811	40.35628	Verified	1008 reflects 40.353% d/r
302265804	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302265804	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302265804	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302265804	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302265804	Original CLTV	74.26	73.06	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302265804	Original LTV	74.26	73.06	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302265804	Investor: Qualifying Total Debt Ratio	19.51	31.76761	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302278960	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302278960	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302278960	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302278960	Original CLTV	78.76	73.34	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302278960	Original LTV	78.76	73.34	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302278960	Investor: Qualifying Total Debt Ratio	31.3	27.58982	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302244976	Original CLTV	54.75	50.54	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302244976	Original LTV	54.75	50.54	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302244976	Investor: Qualifying Total Debt Ratio	37.99	34.42465	Verified	revised DTI when including historical bonus,
302273073	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302286886	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302286886	Original CLTV	57.14	58.82	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302286886	Original LTV	57.14	58.82	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302286886	Investor: Qualifying Total Debt Ratio	33.2	35.20799	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302394061	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302264835	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302264835	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302338018	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302338018	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302338018	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302304104	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302304104	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302304104	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302304104	Investor: Qualifying Total Debt Ratio	29.2	42.33873	Verified	The Lender used $25.00 per month for HOA Dues.  However, the Appraisal and Desk Review (listing of Subject) both reflect $295 annually,
302174057	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302174057	Original CLTV	35.55	39.71	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302174057	Original LTV	35.55	39.71	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302174057	Investor: Qualifying Total Debt Ratio	10.3	23.98279	Verified	Lender approved the subject loan with a DTI of 23.983%.
302304125	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302304125	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302304125	Investor: Qualifying Total Debt Ratio	11.77	36.15349	Verified	Matches 1008 loan approval.
302101286	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302101286	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302101286	Original CLTV	62	49.47	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302101286	Original LTV	62	49.47	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302214485	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302214485	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302214485	Representative FICO	780	781	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302214485	Original CLTV	57.19	52.93	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302214485	Original LTV	57.19	52.93	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302248756	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302248756	Investor: Qualifying Total Debt Ratio	29.26	33.59135	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302267548	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302267548	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302267548	Original CLTV	66.64	69.19	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302267548	Original LTV	66.64	69.19	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302267548	Investor: Qualifying Total Debt Ratio	18.9	21.18635	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302274605	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302274605	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302274605	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302274605	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302274605	Original CLTV	46.04	49.56	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302274605	Original LTV	46.04	49.56	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302274605	Investor: Qualifying Total Debt Ratio	13.39	16.44571	Verified	Underwriter in line with Lender ratios.
302290253	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290253	Original CLTV	42.38	44.61	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302290253	Original LTV	42.38	44.61	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302290253	Investor: Qualifying Total Debt Ratio	32.85	38.99939	Verified	Unable to verify due to missing information
302214484	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302214484	Original CLTV	74.56	67.23	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302214484	Original LTV	74.56	67.23	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302214484	Investor: Qualifying Total Debt Ratio	34.38	32.09976	Verified	Field Value is lower
302273099	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302273099	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302273099	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302276548	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302276548	Representative FICO	799	803	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302276548	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302276548	Investor: Qualifying Total Debt Ratio	40	42.91239	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302278955	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302278955	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302307056	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302317912	Investor: Qualifying Total Debt Ratio	22.16	33.61993	Verified	The 1008 DTI is 33.628%
302317912	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302391396	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302391396	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302391396	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302392497	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302395314	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302395314	Original P&I	5646.84	5564.33	Verified	Field Value reflects Note value
302395314	Investor: Qualifying Total Debt Ratio	21	39.59109	Verified	Lenders 1008 reflects 40%.
302395314	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
301990041	Representative FICO	772	778	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302247673	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338103	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302114179	Representative FICO	787	778	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302114179	Investor: Qualifying Total Debt Ratio	17.19	27.72813	Verified	26.344 per Approval.
302114179	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302265871	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302265871	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332731	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Security Instrument
302332731	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302369105	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302285505	Investor: Qualifying Total Debt Ratio	7.827	19.13714	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302172547	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302150301	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302150301	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302150301	Investor: Qualifying Total Debt Ratio	42.78	40.26137	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302394687	Investor: Qualifying Total Debt Ratio	12.65	42.25771	Verified	Lender's 1008 DTI is 41.211%
302394687	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302137128	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302137128	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302137128	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302112602	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302112602	Original CLTV	54	50.23	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302112602	Original LTV	54	50.23	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302147496	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302147496	Representative FICO	799	794	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302147496	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302147496	Original CLTV	42	33.46	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302147496	Original LTV	42	33.46	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302147496	Investor: Qualifying Total Debt Ratio	39.68	33.27571	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302401382	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302401382	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302401382	Investor: Qualifying Total Debt Ratio	31.4473	36.16997	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302137253	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302137253	Representative FICO	792	796	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302137253	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302137253	Investor: Qualifying Total Debt Ratio	35.84	40.68706	Verified	DTI shown on 1008 is 40.686%
302327095	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327095	Representative FICO	788	780	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302327095	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302327095	Original CLTV	39.18	40.85	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302327095	Original LTV	39.18	40.85	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302273056	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302273056	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302273056	Original CLTV	30.14	37.68	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302273056	Original LTV	30.14	37.68	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302273056	Investor: Qualifying Total Debt Ratio	17.33	23.20255	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302369329	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302369329	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302369329	Investor: Qualifying Total Debt Ratio	16.338	36.529	Verified	Field Value Supported by 1008 and within 3% of 1008
302290216	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Security Instrument
302290216	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302338132	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302338132	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302336653	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302336653	Original CLTV	34.87	33.59	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302336653	Original LTV	34.87	33.59	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302470351	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302470351	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302470351	Investor: Qualifying Total Debt Ratio	21.4966	28.83208	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302457713	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302457713	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302457712	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302457712	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302457712	Original CLTV	73.22	69.37	Verified	Lender approved the subject loan with a CLTV of 69.368%.
302457712	Original LTV	73.22	69.37	Verified	Lender approved the subject loan with an LTV of 69.368%.
302461617	Investor: Qualifying Total Debt Ratio	37.6331	40.77231	Verified	Lender DTI = 40.768%
302411643	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302411643	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302411643	Investor: Qualifying Total Debt Ratio	18.1031	15.08557	Verified	Less credit was qualified at origination than was qualified upon review.
302339282	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302339282	Original Interest Rate	3	2.75	Verified	Field Value reflects the Note value
302339282	Original P&I	2628.7	2537.22	Verified	Field Value reflects Note value
302339282	Investor: Qualifying Total Debt Ratio	35	37.22498	Verified	Per 1008
302339282	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302096481	Representative FICO	787	785	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302096481	Investor: Qualifying Total Debt Ratio	14.77	30.00937	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302317911	Investor: Qualifying Total Debt Ratio	35.29	41.51748	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302046212	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302046212	Original P&I	5757.37	5744.52	Verified	Field Value reflects Note value
302046212	Investor: Qualifying Total Debt Ratio	19.34	22.31562	Verified	Difference occurred with the calculation of income
302046212	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302046212	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302388308	Original P&I	3688.58	3688.59	Verified	Field Value reflects Note value
302405814	Original P&I	2287.75	2287.76	Verified	Field Value reflects Note value
302405814	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302393540	Original Interest Rate	2.67	2.669	Verified	Field Value reflects the Note value
302393540	Contract Sales Price	xxxx	xxxx	Verified	Refi
302393540	Investor: Qualifying Total Debt Ratio	38.705	41.20807	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302393540	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302393532	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302405765	Original Interest Rate	2.88	2.875	Verified	Field Value reflects the Note value
302405765	Original P&I	3734.03	3734.04	Verified	Field Value reflects Note value
302405765	Appraised Value	xxxx	xxxx	Verified	Field Value reflects Approval/AUS value
302405765	Contract Sales Price	xxxx	xxxx	Verified	Transaction is a refinance.
302405765	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302393518	Original Interest Rate	2.88	2.875	Verified	Field Value reflects the Note value
302393518	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302388243	Contract Sales Price	xxxx	xxxx	Verified	Refi
302405671	Original Interest Rate	2.79	2.788	Verified	Field Value reflects the Note value
302405671	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302339345	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302339345	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302339345	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302250483	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302250483	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302250483	Investor: Qualifying Total Debt Ratio	20	29.96926	Verified	Unable to verify due to missing information
302317910	Investor: Qualifying Total Debt Ratio	10.17	28.239	Verified	Lender DTI = 28.238%
302317910	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302094957	Representative FICO	791	761	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302094957	Appraised Value	xxxx	xxxx	Verified	Tape Value reflects Purchase Price
302094957	Investor: Qualifying Total Debt Ratio	17.75	36.27027	Verified	Lender's 1008 reflects DTI of 36.273%.
302094957	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302407998	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302407998	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302371038	Original Interest Rate	2.625	2.75	Verified	Field Value reflects the Note value
302371038	Original P&I	4754.35	4832.37	Verified	Field Value reflects Note value
302371038	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316426	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302267589	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302267589	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302302569	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302302569	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302302569	Investor: Qualifying Total Debt Ratio	31.0291	26.3355	Verified	DTI is verified from loan document the verify the revised income and debt figures.
302327069	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302372053	Investor: Qualifying Total Debt Ratio	40	27.68785	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302372053	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302392768	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302388438	Investor: Qualifying Total Debt Ratio	24.11	40.32068	Verified	Investor's DTI is in line with Lender's DTI.
302388438	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372205	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302280918	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302280918	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302290129	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302290129	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290129	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302278979	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302278979	Representative FICO	730	721	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302278979	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302278979	Investor: Qualifying Total Debt Ratio	33.21	39.62859	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302317890	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302317890	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302317890	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302317890	Investor: Qualifying Total Debt Ratio	41.0616	35.58956	Verified	Field Value DTI is lower than Tape value and is in line / less than 3% variance with 1008 provided.
302303765	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303765	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302305495	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305495	Representative FICO	786	783	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302305495	Borrower FTHB	1	0	Verified	Field Value verified by Application, Credit Report or other documentation in file
302320430	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302356742	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302356742	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302356742	Investor: Qualifying Total Debt Ratio	27.5721	38.37289	Verified	UTD source of tape DTI.  Review matches loan approval.
302320429	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302320429	Representative FICO	803	791	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302320429	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302304071	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303156	Investor: Qualifying Total Debt Ratio	41.235	38.83616	Verified	Per 1008 d/r is 39.152%
302285420	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Security Instrument
302285420	Investor: Qualifying Total Debt Ratio	30.9	36.53564	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302289038	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302289038	Investor: Qualifying Total Debt Ratio	27.0898	23.80241	Verified	DTI matches 1008
302278923	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302278923	Representative FICO	765	774	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302278923	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302278923	Original CLTV	68.97	67.8	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302278923	Original LTV	68.97	67.8	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302278923	Investor: Qualifying Total Debt Ratio	24.02	42.944	Verified	Based on income and liabilities provided. DTI on 1008 42.984%
302327780	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302327780	Investor: Qualifying Total Debt Ratio	28.0173	40.0552	Verified	Bid Tape is incorrect.  Approval DTI is 35.53%
302314350	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302329380	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302329380	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302329380	Investor: Qualifying Total Debt Ratio	14.1907	23.51593	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302288821	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302288821	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302288821	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302288821	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302289132	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302289132	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302289132	Investor: Qualifying Total Debt Ratio	32.7382	35.62809	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302288902	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302288902	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302288902	Investor: Qualifying Total Debt Ratio	29.2544	42.28146	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302316420	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302316420	Representative FICO	788	780	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302316420	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302316420	Investor: Qualifying Total Debt Ratio	11.7381	18.78123	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302330598	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302330598	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302330598	Investor: Qualifying Total Debt Ratio	30.0946	36.15155	Verified	DTI on lender's 1008 is 36.193%
302304015	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302304015	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302304015	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302327853	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327853	Investor: Qualifying Total Debt Ratio	28.485	40.71936	Verified	1008 DTI reflects 40.148%
302356457	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302356457	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302356457	Investor: Qualifying Total Debt Ratio	35.36	39.47859	Verified	Review used higher alimony / child support as reflected on marital settlement agreement.
302401914	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302334909	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302334909	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302334909	Investor: Qualifying Total Debt Ratio	34.8486	37.6101	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302317889	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302317889	Representative FICO	762	763	Verified	Field Value Representative FICO reflects the lowest mid score of the highest wage earner
302317889	Original CLTV	44.15	50.66	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302317889	Original LTV	44.15	50.66	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302317889	Borrower FTHB	1	0	Verified	Field Value verified by Application, Credit Report or other documentation in file
302317889	Investor: Qualifying Total Debt Ratio	19.5456	36.19678	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302330689	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302330689	Investor: Qualifying Total Debt Ratio	37.5043	40.49117	Verified	DTI shown on 1008 is 40.491%
302325333	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302325333	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302325333	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302325333	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302325333	Investor: Qualifying Total Debt Ratio	26.8014	22.21181	Verified	Updated as per documents in file.
302372345	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302372345	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302329394	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302329394	Property Type	Single Family Attached	Condo (Low Rise)	Verified	Field Value captured from Appraisal or Valuation model in file
302329394	Investor: Qualifying Total Debt Ratio	1.2021	18.89942	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302331341	Representative FICO	783	779	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302331341	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302278930	Contract Sales Price	xxxx	xxxx	Verified	Refi
302278930	Investor: Qualifying Total Debt Ratio	16.87	35.29266	Verified	Field value DTI is within 1% of DTI on 1008 of 35.291%.
302335640	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302335640	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302335640	Investor: Qualifying Total Debt Ratio	21.04	17.76188	Verified	1008 shows 19.46 DTI
302265810	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302265810	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302265810	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302265810	Original CLTV	73.12	74.9	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302265810	Original LTV	73.12	74.9	Verified	ok
302265810	Investor: Qualifying Total Debt Ratio	24.79	32.76144	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302286905	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302286905	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302286905	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302286905	Original Interest Rate	3.625	2.75	Verified	Field Value reflects the Note value
302286905	Original CLTV	90	80	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302286905	Original LTV	90	80	Verified	Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases)
302286905	Investor: Qualifying Total Debt Ratio	28.25	40.55694	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302336688	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302336688	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302336688	Original CLTV	75	72.56	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302336688	Original LTV	75	72.56	Verified	Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases)
302273125	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302273125	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302273125	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302273125	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302273125	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302278921	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302278921	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302278921	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302327851	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327851	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302321619	Investor: Qualifying Total Debt Ratio	20.51	33.58053	Verified	The 1008 DTI is 33.580%
302129899	Investor: Qualifying Total Debt Ratio	11.68	30.68413	Verified	Per final 1008, approved at 30.21% DTI, unable to determine source of tape value.
302129899	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302288804	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302369398	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302369398	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302369398	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302391400	Property Type	Single Family Detached	Single Family Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302391400	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302391400	Investor: Qualifying Total Debt Ratio	10	23.95453	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302391400	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302133920	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302133920	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302172086	Investor: Qualifying Total Debt Ratio	36.07	41.74823	Verified	Difference in DTI is due to lender using lower borrower income.
302302568	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302302568	Investor: Qualifying Total Debt Ratio	19.081	42.49349	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302114236	Investor: Qualifying Total Debt Ratio	13.14	35.37642	Verified	The 1008 reflects the DTI to be 15.987%/35.378%.
302370922	Investor: Qualifying Total Debt Ratio	29.92	26.39892	Verified	Field Value DTI Confirmed using 1008 in loan file.
302370922	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316141	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302336549	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302336549	Original P&I	6581.66	6593.66	Verified	Field Value reflects Note value
302336549	Investor: Qualifying Total Debt Ratio	19.19	31.82094	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302336549	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302336623	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302304126	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302304126	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302304126	Original P&I	3418.71	3427.01	Verified	Field Value reflects Note value
302304126	Investor: Qualifying Total Debt Ratio	37.68	41.08985	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302412369	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372052	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302372052	Original P&I	2824.57	2830.81	Verified	Field Value reflects Note value
302372052	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302315904	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302315904	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302176129	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302176129	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302176129	Investor: Qualifying Total Debt Ratio	27.27	30.49825	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302393556	Investor: Qualifying Total Debt Ratio	27	37.91655	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302393556	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302288801	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302389940	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302369399	Contract Sales Price	xxxx	xxxx	Verified	N/A Not a purchase
302369399	Investor: Qualifying Total Debt Ratio	29.57	40.16385	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302369399	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338161	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302338161	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302338161	Original P&I	4026.07	4040.77	Verified	Field Value reflects Note value
302338161	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302401307	Investor: Qualifying Total Debt Ratio	23.08	38.59002	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302401307	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302390085	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302324788	Investor: Qualifying Total Debt Ratio	30.32	35.57298	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302324788	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302317297	Investor: Qualifying Total Debt Ratio	9.79	18.38976	Verified	DTI stated on 1008 is 18.390%
302370953	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302370953	Investor: Qualifying Total Debt Ratio	10	42.87237	Verified	Approved at 42.357% per final 1008- unable to determine source of tape value.
302370953	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302392495	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302274675	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302274675	Representative FICO	720	741	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302274675	Investor: Qualifying Total Debt Ratio	20.55	16.53558	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302147204	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302147204	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302250023	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302250023	Representative FICO	796	702	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302250023	Original CLTV	68.56	73.45	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302250023	Original LTV	68.56	73.45	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302250023	Investor: Qualifying Total Debt Ratio	19.99	28.79896	Verified	The DTI is lower than the bid tape value and matches the 1008.
302176039	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302176039	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302176039	Original CLTV	70.56	65.13	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302176039	Original LTV	70.56	65.13	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302170971	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302170971	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302170971	Investor: Qualifying Total Debt Ratio	27.26	39.36249	Verified	<1% variance from the 1008.
302170970	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302170970	Original CLTV	78.22	67.5	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302170970	Original LTV	78.22	67.5	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302316232	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302316232	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302316232	Investor: Qualifying Total Debt Ratio	21.214	34.29621	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302265809	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302265809	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302303206	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303206	Investor: Qualifying Total Debt Ratio	27.2377	36.69281	Verified	Per Departing Residence PITI, Credit Report, Pay Stub and new PITIA
302249986	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302249986	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302249986	Original CLTV	71.58	69.39	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302249986	Original LTV	71.58	69.39	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302327778	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327778	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302304111	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302304111	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302304111	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302304111	Original CLTV	65.62	61.76	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302304111	Original LTV	65.62	61.76	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302128029	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302128029	Representative FICO	720	702	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302128029	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302128029	Investor: Qualifying Total Debt Ratio	40.4	34.44656	Verified	Lower DTI due to higher calculated income for the borrower (S-Corp K-1).
302269199	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302214443	Representative FICO	765	766	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302248781	Original Interest Rate	3.5	3.125	Verified	Field Value reflects the Note value
302248781	Representative FICO	740	797	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302248781	Original CLTV	59.99	52.9	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302248781	Original LTV	59.99	52.9	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302270498	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302270498	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 1% of loan amount.
302270498	Investor: Qualifying Total Debt Ratio	42.015	19.93545	Verified	Excluding xxxx.
302269305	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302269305	Investor: Qualifying Total Debt Ratio	38.92	33.20644	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302259702	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302259702	Investor: Qualifying Total Debt Ratio	18.63	31.37814	Verified	income used to calculate ratios are associated accurately
302320966	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302320966	Refi Purpose		Rate/Term	Verified	N/A
302320966	Investor: Qualifying Total Debt Ratio	21.0539	25.14417	Verified	N/A
302173339	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302173339	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302173339	Original CLTV	57.81	61.67	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302173339	Original LTV	57.81	61.67	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302173339	Investor: Qualifying Total Debt Ratio	24.11	34.63726	Verified	Tape Value DTI cannot be located on any documentation within the loan file.
302301582	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302301582	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302301582	Investor: Qualifying Total Debt Ratio	37.9757	33.81069	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302134286	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302134286	Borrower FTHB	1	0	Verified	Field Value verified by Application, Credit Report or other documentation in file
302134286	Investor: Qualifying Total Debt Ratio	35	42.92013	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302426775	Property Type	Single Family Attached	3 Family	Verified	Field Value captured from Appraisal or Valuation model in file
302426775	Margin	0		Verified	Field Value reflects 'Margin' per the Note
302045764	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302045764	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302045764	Product Description	Jumbo 30 Year Fixed	Fixed Rate	Verified	Field value reflects source document
302147452	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302147452	Original CLTV	78.04	80	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302147452	Original LTV	78.04	80	Verified	Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases)
302147452	Product Description	Jumbo 30 Year Fixed	Fixed Rate	Verified	Field value reflects source document
302147452	Investor: Qualifying Total Debt Ratio	25	36.56522	Verified	<1% variance from the 1008.
302066018	Investor: Qualifying Total Debt Ratio	24.59	39.71675	Verified	DTI stated on 1008 is 41.817%
302271633	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302271633	Investor: Qualifying Total Debt Ratio	7.41	34.85062	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302113959	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302113959	Refi Purpose		Rate/Term	Verified	Unable to verify due to missing information
302113959	Investor: Qualifying Total Debt Ratio	13.45	28.53474	Verified	Lender approved the subject loan with a DTI of 28.197%.
302270473	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302270473	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302138579	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302138579	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302277083	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302277083	Borrower FTHB	1	0	Verified	Field Value verified by Application, Credit Report or other documentation in file
302277083	Investor: Qualifying Total Debt Ratio	37.91	42.85481	Verified	DTI stated on 1008 is 38.38%
302130584	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302130584	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302130584	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302130584	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302130584	Original CLTV	61	54.77	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302130584	Original LTV	61	54.77	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302247662	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302247662	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302247662	Investor: Qualifying Total Debt Ratio	26.31	22.90308	Verified	DTI shown on 1008 is 22.903%
302147198	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302147198	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302147198	Borrower FTHB	1	0	Verified	Field Value verified by Application, Credit Report or other documentation in file
302147198	Investor: Qualifying Total Debt Ratio	14.05	38.06065	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302271632	Investor: Qualifying Total Debt Ratio	29.48	26.2551	Verified	1
302305680	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305680	Borrower FTHB	1	0	Verified	Field Value verified by Application, Credit Report or other documentation in file
302305680	Investor: Qualifying Total Debt Ratio	18.035	39.11646	Verified	Field Value DTI is higher than Tape value but within 3% tolerance per FNMA guidelines and < 45% DTI
302229072	Borrower Last Name	xxxx	xxxx
302229072	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302229072	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302229072	Investor: Qualifying Total Debt Ratio	13.67	36.48482	Verified	Unable to verify due to missing information
302265847	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302265847	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302265847	Investor: Qualifying Total Debt Ratio	3.94	17.16037	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302277081	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302277081	Investor: Qualifying Total Debt Ratio	14.11	29.44103	Verified	The Calculated DTI is lower than what was reflected on the 1008 (34.734%) was due to the updated Credit report's Balances and payments listed.
302265711	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302265711	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302265711	Investor: Qualifying Total Debt Ratio	16.91	28.50381	Verified	26.844 per 1008
302278917	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302278917	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302278917	Original CLTV	63.09	64.81	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302278917	Original LTV	63.09	64.81	Verified	Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases)
302278917	Investor: Qualifying Total Debt Ratio	37.66	41.76346	Verified	DU Approve/Ineligible dated 12/03/2020 reflects a DTI of 41.88%. Income for the borrower and co-borrower was not included in the income submitted to DU. Per lender attestation, the income from these borrowers was not used for qualification. Final DTI is 41.76, which is below the guideline and Appendix Q max of 43.00%.
302243723	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302243723	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302243723	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302243723	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302486045	Representative FICO	725	712	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302426770	Margin	0		Verified	Fixed Rate Loan
302426769	Margin	0		Verified	Fixed Rate Loan
302214431	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302214431	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302214431	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302214431	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302214431	Original CLTV	73.41	75.76	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302214431	Original LTV	73.41	75.76	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302244496	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302244496	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302244496	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302244496	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302244496	Original CLTV	68.44	60.59	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302244496	Original LTV	68.44	60.59	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302244496	Investor: Qualifying Total Debt Ratio	21.65	27.63785	Verified	UTD source of tape DTI.  Review within tolerance of approval DTI of 26.159%.
302314952	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302314952	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302314952	Investor: Qualifying Total Debt Ratio	38.3087	31.39354	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302276556	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302276556	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302276556	Investor: Qualifying Total Debt Ratio	24.31	27.94792	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302286454	Investor: Qualifying Total Debt Ratio	10.24	29.641	Verified	Lender approved DTI is 29.386%, tape value is unknown.
302307742	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302314332	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302314332	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302314332	Investor: Qualifying Total Debt Ratio	11.1424	32.60497	Verified	UTD source of tape DTI.  Review matches approval.
302305543	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305543	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302305543	Investor: Qualifying Total Debt Ratio	8.2351	30.96509	Verified	Matches 1008
302329356	Investor: Qualifying Total Debt Ratio	8.647	40.84621	Verified	Lender DTI = 41.805%
302426765	Representative FICO	781	776	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302426765	Margin	0		Verified	Field Value reflects 'Margin' per the Note
302390089	Margin	0		Verified	Field Value reflects 'Margin' per the Note
302486035	Margin	0		Verified	Fixed Rate Loan
302327208	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327208	Investor: Qualifying Total Debt Ratio	31.053	34.79969	Verified	DTI matches the 1008 in file.
302338020	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327819	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327819	Property Type	Condo	Single Family Detached	Verified	Field Value captured from Appraisal or Valuation model in file
302327819	Investor: Qualifying Total Debt Ratio	31.0368	36.1944	Verified	DTI on 1008 is 37.017
302331319	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302331319	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302331319	Investor: Qualifying Total Debt Ratio	12.7333	42.76356	Verified	Field Value DTI confirmed and supported by 1008
302486030	Margin	0		Verified	Field Value reflects 'Margin' per the Note
302278054	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302150098	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302150098	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302260929	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302260929	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302243721	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302243721	Representative FICO	773	775	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302243721	Investor: Qualifying Total Debt Ratio	26.14	30.7703	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302171325	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302171325	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302171325	Investor: Qualifying Total Debt Ratio	29.71	21.64663	Verified	The 1008 reflects a DTI of 21.65%.
302172348	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302172348	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302172348	Investor: Qualifying Total Debt Ratio	37.61	23.69366	Verified	Qualified at 23.69%
302264617	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302264617	Investor: Qualifying Total Debt Ratio	28.14	22.86079	Verified	Meets guidelines.
302243691	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302243691	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302243691	Refi Purpose		Rate/Term	Verified	No Cash-Out Refinance as per 1008.
302243691	Original CLTV	75.44	72.53	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302243691	Original LTV	71.33	68.57	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302243691	Investor: Qualifying Total Debt Ratio	26.07	23.89121	Verified	Correct.
302243786	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302243786	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302243786	Representative FICO	774	766	Verified	Field Value Representative FICO reflects the lowest mid score of the highest wage earner
302277038	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302277038	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302277038	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302277038	Original CLTV	68.14	76.66	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302277038	Original LTV	68.14	76.66	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302277038	Investor: Qualifying Total Debt Ratio	17.98	25.56105	Verified	Previous Underwriter ignored Borrower's losses from K-1 Income
302369373	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302307739	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302307739	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302137061	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302323376	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302323376	Investor: Qualifying Total Debt Ratio	38.8813	36.58802	Verified	Unknown source of discrepancy.
302406284	Investor: Qualifying Total Debt Ratio	37.41	39.51931	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302406284	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302410408	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302410408	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372909	Investor: Qualifying Total Debt Ratio	29.01	40.89811	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302372909	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302325084	Original Interest Rate	3	2.875	Verified	Field Value reflects the Note value
302325084	Original P&I	2951.23	2904.25	Verified	Field Value reflects Note value
302325084	Representative FICO	760	771	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302325084	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302391311	Investor: Qualifying Total Debt Ratio	36	38.66703	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302391311	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302325343	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302325343	Original P&I	3980.35	4078.33	Verified	Field Value reflects Note value
302325343	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302325343	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302325343	Original CLTV	76	78.97	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302325343	Original LTV	76	78.97	Verified	Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases)
302259762	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302259762	Original P&I	2883.5	2850.31	Verified	Field Value reflects Note value
302259762	Representative FICO	804	790	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302259762	Investor: Qualifying Total Debt Ratio	16.95	26.7637	Verified	Matches 1008 DTI.
302259762	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302034690	Representative FICO	800	790	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302034690	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302035375	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302035375	Original P&I	3918.66	3887.54	Verified	Field Value reflects Note value
302035375	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302394372	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302394372	Investor: Qualifying Total Debt Ratio	32.7	40.96607	Verified	The 1008 DTI is 42.885%
302394372	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332675	Representative FICO	793	790	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302332675	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302332675	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Approval/AUS
302332675	Investor: Qualifying Total Debt Ratio	31.4	40.7183	Verified	UTD source of tape DTI.  Review within tolerance of 1008 DTI of 37.714%.
302332675	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286848	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302286848	Representative FICO	775	793	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302286848	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302286848	Investor: Qualifying Total Debt Ratio	40.36	26.8399	Verified	DTI on 1008 is 27.367%.
302286848	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302260961	Investor: Qualifying Total Debt Ratio	30.66	32.7093	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302288834	Investor: Qualifying Total Debt Ratio	10.66	34.36492	Verified	Lender 1008 reflects DTI of 24.361%.
302288834	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302259403	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302259403	Original P&I	2579.76	2594.05	Verified	Field Value reflects Note value
302259403	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302259403	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302470888	Investor: Qualifying Total Debt Ratio	23.52	29.80038	Verified	Field value DTI matches DTI on 1008 of 29.8%
302470888	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302265832	Investor: Qualifying Total Debt Ratio	7.36	16.87799	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302265832	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302265912	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302271799	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302271799	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302306332	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302306332	Investor: Qualifying Total Debt Ratio	38.84	40.92584	Verified	Confirmed DTI using income and debt information in the file.
302395298	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302395298	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302395298	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302315047	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302315047	Original P&I	3625.79	3634.65	Verified	Field Value reflects Note value
302315047	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302315047	Investor: Qualifying Total Debt Ratio	30.83	28.05164	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302315047	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302288923	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302392753	Investor: Qualifying Total Debt Ratio	17.12	27.23043	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302392753	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302306985	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302306985	Investor: Qualifying Total Debt Ratio	33	40.85577	Verified	Lender DTI = 40.339%
302306985	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316143	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302316143	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302316143	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302316143	Investor: Qualifying Total Debt Ratio	29.77	34.2448	Verified	Lender's 1008 reflects DTI of 34.245%.
302316143	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316468	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302394698	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302320922	Investor: Qualifying Total Debt Ratio	34.64	39.43876	Verified	Lender DTI = 39.439%
302320922	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302321646	Property Type	PUD	PUD Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302321646	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302321646	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372425	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302372425	Investor: Qualifying Total Debt Ratio	24	32.88273	Verified	Based on the UW 1008 the DTI is 33.245% so no issues with the DTI.
302372425	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302323424	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302323424	Original P&I	2696.8	2738.29	Verified	Field Value reflects Note value
302323424	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302323424	Investor: Qualifying Total Debt Ratio	16.95	25.03679	Verified	Lenders 108 reflects 25% DTI.
302323424	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302325341	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302325341	Original CLTV	77	75.79	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302325341	Original LTV	77	75.79	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302326626	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302326626	Original P&I	3648.73	3716.02	Verified	Field Value reflects Note value
302326626	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302326626	Investor: Qualifying Total Debt Ratio	24.6	35.27733	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302326626	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332824	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332732	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302332732	Original P&I	3584.36	3559.86	Verified	Field Value reflects Note value
302332732	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302337320	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302337320	Original P&I	8712.74	7841.47	Verified	Field Value reflects Note value
302337320	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302337320	Investor: Qualifying Total Debt Ratio	18.29	12.79519	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302337320	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302335584	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302335584	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302335584	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302335584	Investor: Qualifying Total Debt Ratio	15.82	31.35438	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302335584	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338281	Appraised Value	xxxx	xxxx	Verified	Tape Value reflects Purchase Price
302338281	Investor: Qualifying Total Debt Ratio	32.23	35.90498	Verified	DTI stated on 1008 is 37.087%
302338281	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338173	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302338173	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302338173	Original CLTV	47.17	48.22	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302338173	Original LTV	47.17	48.22	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302338173	Investor: Qualifying Total Debt Ratio	16.6	25.51302	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302336661	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302371100	Investor: Qualifying Total Debt Ratio	22.54	32.43533	Verified	DTI is 29.58% based on borrowers income and debts.
302371100	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302370918	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302400032	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302404397	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302404397	Investor: Qualifying Total Debt Ratio	21	29.35605	Verified	Base don income and liabilities provided.
302404397	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302500682	Margin	0		Verified	Fixed Rate Loan
302270838	Investor: Qualifying Total Debt Ratio	12.16	17.17641	Verified	The 1008 DTI is 17.877%
302270838	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302412232	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302412232	Investor: Qualifying Total Debt Ratio	20.88	34.05695	Verified	Lender approved at 34.385%
302412232	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302398110	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302133916	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302133916	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302226660	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302226660	Representative FICO	776	777	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302226660	Borrower FTHB	1	0	Verified	Field Value verified by Application, Credit Report or other documentation in file
302226660	Investor: Qualifying Total Debt Ratio	22.3	38.80739	Verified	Lender DTI 36.278%.
302288812	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302288812	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302286894	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302286894	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302288811	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302288811	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302288930	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302288930	Investor: Qualifying Total Debt Ratio	35.313	32.89984	Verified	Unable to verify due to missing information
302387225	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302387225	Representative FICO	793	788	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302387225	Investor: Qualifying Total Debt Ratio	28.5039	37.88962	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302323375	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302323375	Representative FICO	754	724	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302323375	Investor: Qualifying Total Debt Ratio	41.336	36.57973	Verified	Underwriter in line with Lender ratios.
302290211	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290211	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302290233	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290233	Refi Purpose		Rate/Term	Verified	This loan was submitted as a no cash out refinance.
302290307	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290307	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302290281	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290281	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302290304	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290304	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302288927	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302288927	Investor: Qualifying Total Debt Ratio	46.0411	36.80238	Verified	Field DTI matches 1008
302305740	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302305740	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302305740	Investor: Qualifying Total Debt Ratio	30.727	23.34329	Verified	Bid Tape is incorrect.  Approval DTI is 23.343%
302303204	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303204	Investor: Qualifying Total Debt Ratio	43	30.85629	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302306977	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302306977	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302304067	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302320912	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305703	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305703	Investor: Qualifying Total Debt Ratio	34.4858	36.78211	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302305701	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305701	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302314935	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302314935	Representative FICO	792	788	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302306401	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302306401	Investor: Qualifying Total Debt Ratio	21.3294	24.92795	Verified	Underwriter is in line with Lender ratios.Includes full xxxx open account monthly amount.
302314347	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302314347	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302307697	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302307697	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302314790	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302314790	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302314346	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302314346	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302314657	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302314657	Investor: Qualifying Total Debt Ratio	38.779	41.35374	Verified	Lender did not deduct losses from partnership which results in lower income and higher DTI
302314949	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302314949	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302329350	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302329350	Investor: Qualifying Total Debt Ratio	40.101	35.02063	Verified	Verified DTI using income and debt information in the file.
302316460	Original CLTV	52.89	44.28	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302316460	Original LTV	52.89	44.28	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302317886	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302317886	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302326568	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302336610	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302336610	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302332677	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302410464	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302371068	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302371068	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302129930	Property Type	PUD	Single Family Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302423681	Investor: Qualifying Total Debt Ratio	14.6898	16.88279	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302303705	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302331173	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302331173	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372424	Representative FICO	771	757	Verified	Field Value Representative FICO reflects the lowest mid score of the highest wage earner
302372424	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302260948	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302259731	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302259731	Borrower First Name	xxxx	xxxx
302259731	Investor: Qualifying Total Debt Ratio	30.02	34.76684	Verified	The 1008 DTI is 38.112%
302259731	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302326580	Investor: Qualifying Total Debt Ratio	36.22	42.46386	Verified	The 1008 DTI is 39.256%
302326580	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302394078	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302326652	Property Type	Single Family Detached	PUD	Verified	Field Value reflects the Approval/AUS in file.
302326652	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302338276	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302338276	Investor: Qualifying Total Debt Ratio	34.82	26.66319	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302338276	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302278912	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302278912	Property Type	Single Family	PUD	Verified	Captured from appraisal, initial appraisal showed as SF but appraisal updated at request of lender to show as PUD or with HOA and no dues.
302278912	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302228060	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302228060	Original CLTV	56.66	59.26	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302228060	Original LTV	56.66	59.26	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302228060	Investor: Qualifying Total Debt Ratio	42.02	38.79063	Verified	Lender DTI 40.822%.
302404318	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302404318	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302329346	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302329346	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302329346	Original CLTV	39.45	37.41	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302329346	Original LTV	39.45	37.41	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302329346	Investor: Qualifying Total Debt Ratio	22.6778	26.04663	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302473857	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302288864	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302288864	Original P&I	2243.74	2261.16	Verified	Field Value reflects Note value
302288864	Representative FICO	786	784	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302405876	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302405876	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302405876	Investor: Qualifying Total Debt Ratio	17	42.90144	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302405876	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302248360	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302336590	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302336590	Representative FICO	795	786	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302336590	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302320928	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302320928	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302320928	Investor: Qualifying Total Debt Ratio	22.68	20.65904	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302320928	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302337234	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302337234	Value Used For LTV Calculation	xxxx	xxxx	Verified	Verified by appraisal.
302330682	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302330682	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327213	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302327213	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327213	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338113	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302338113	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302338113	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302136653	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302136653	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302136653	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302136653	Investor: Qualifying Total Debt Ratio	31.1	24.46413	Verified	Within 1% of 1008.
302285400	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302285400	Investor: Qualifying Total Debt Ratio	35.9	27.3629	Verified	The 1008 reflects the DTI as 27.363%
302479432	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302479432	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302480094	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302480094	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481931	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302479429	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302479429	Investor: Qualifying Total Debt Ratio	40.301	42.47514	Verified	Lender used $xxxx/moth pension income and I only verified $xxxx/month.
302479429	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481928	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302481928	Original P&I	3903.8	3903.81	Verified	Field Value reflects Note value
302481928	Representative FICO	787	786	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302481928	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302480092	Investor: Qualifying Total Debt Ratio	41.456	26.89461	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302480092	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302479426	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302479426	Original P&I	4352.06	4352.07	Verified	Field Value reflects Note value
302479426	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302479426	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302486593	Representative FICO	775	757	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302486593	Investor: Qualifying Total Debt Ratio	26.478	33.2742	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302486593	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302486592	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302486592	Original P&I	2303.11	2303.12	Verified	Field Value reflects Note value
302486592	Representative FICO	795	775	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302486592	Investor: Qualifying Total Debt Ratio	42.612	36.98681	Verified	Review DTI is 36.99314%. DTI on 1008 is 42.612%. Unable to determine lender rental income calculation, due to a worksheet is not provided. Review rental loss is from 2018 & 2019 1040s.
302486592	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302486588	Original P&I	2661.13	2661.14	Verified	Field Value reflects Note value
302486588	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302480087	Representative FICO	769	755	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302480087	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481923	Investor: Qualifying Total Debt Ratio	20.496	23.36063	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302481923	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302479418	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302479418	Original P&I	3266.2	3266.21	Verified	Field Value reflects Note value
302479418	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302486586	Representative FICO	801	785	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302486586	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302486585	Original P&I	2501.71	2501.72	Verified	Field Value reflects Note value
302486585	Representative FICO	778	765	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302486585	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302479417	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302479417	Original P&I	4281.4	4281.41	Verified	Field Value reflects Note value
302479417	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481918	Representative FICO	768	767	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302480084	Original P&I	2585.56	2585.57	Verified	Field Value reflects Note value
302480084	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302480084	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302480083	Original P&I	3789.58	3789.59	Verified	Field Value reflects Note value
302480083	Representative FICO	793	787	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302480083	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302480083	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481917	Original P&I	3968.38	3968.39	Verified	Field Value reflects Note value
302481917	Representative FICO	792	778	Verified	Field Value Representative FICO reflects the lowest mid score of the highest wage earner
302481917	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481915	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302481915	Original P&I	3969.08	3969.09	Verified	Field Value reflects Note value
302481915	Representative FICO	770	740	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302481915	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481911	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481910	Investor: Qualifying Total Debt Ratio	15.844	19.16433	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302481909	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302481909	Original P&I	3716.66	3716.67	Verified	Field Value reflects Note value
302481909	Investor: Qualifying Total Debt Ratio	32.481	34.78288	Verified	Field Value DTI is higher due to Bonus Income decline.
302481909	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481908	Representative FICO	777	725	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302481908	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302479410	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302479410	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302479409	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302479409	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302479408	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302479408	Original P&I	3580.68	3580.69	Verified	Field Value reflects Note value
302479408	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481904	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302481904	Original P&I	3323.04	3323.05	Verified	Field Value reflects Note value
302481904	Representative FICO	754	736	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302481904	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302480079	Original P&I	2667.81	2667.82	Verified	Field Value reflects Note value
302480079	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302480078	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302480078	Original P&I	2619.02	2619.03	Verified	Field Value reflects Note value
302480078	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481902	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302481902	Original P&I	3325.36	3325.37	Verified	Field Value reflects Note value
302481902	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302480076	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302480076	Original P&I	2529.05	2529.06	Verified	Field Value reflects Note value
302480076	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302479403	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302479403	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481898	Original P&I	2657.65	2657.66	Verified	Field Value reflects Note value
302481898	Property Type	PUD	Single Family Detached	Verified	Field Value captured from Appraisal or Valuation model in file
302481898	Investor: Qualifying Total Debt Ratio	37.659	32.15972	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302481898	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302479401	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302486582	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302486582	Representative FICO	784	769	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302486582	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481896	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302479398	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302479398	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the HUD-1 or CD
302479398	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481889	Original P&I	2290.23	2290.24	Verified	Field Value reflects Note value
302481889	Representative FICO	799	796	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302481889	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302479397	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302479397	Original P&I	2694.39	2694.4	Verified	Field Value reflects Note value
302479397	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302479397	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481887	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302481887	Original P&I	3346.76	3346.77	Verified	Field Value reflects Note value
302481887	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302479396	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302479396	Original P&I	2357.7	2357.71	Verified	Field Value reflects Note value
302479396	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481886	Representative FICO	802	788	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302481886	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302480072	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302480072	Original P&I	3020.98	3020.99	Verified	Field Value reflects Note value
302480072	Investor: Qualifying Total Debt Ratio	26.762	24.22286	Verified	Unable to verify due to missing information
302480072	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481884	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302481884	Representative FICO	798	726	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302481884	Investor: Qualifying Total Debt Ratio	32.69	38.00703	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302481884	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302481881	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302481881	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302486580	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302408118	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302408118	Investor: Qualifying Total Debt Ratio	36.88	40.88701	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302408118	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302173947	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302173947	Representative FICO	756	757	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302306405	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302396722	Investor: Qualifying Total Debt Ratio	23.92	28.45663	Verified	Review DTI is 28.45663%. DTI on 1008 is 30.617% with total other debts of $781.
302396722	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302267480	Investor: Qualifying Total Debt Ratio	30.82	25.76338	Verified	Lender's final 1008 is missing from the file. UTD final DTI considered.
302098827	Original CLTV	62	51.15	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302098827	Original LTV	62	51.15	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302132550	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302132550	Original Interest Rate	3.375	3.25	Verified	Field Value reflects the Note value
302132550	Original CLTV	68	74.94	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302132550	Original LTV	68	74.94	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302132550	Investor: Qualifying Total Debt Ratio	34.75	17.05135	Verified	Income and debts match entered by lender match calculations found during audit.
302264844	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302264844	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302264844	Investor: Qualifying Total Debt Ratio	27.64	31.81336	Verified	1008 and AUS reflect 31.813%
302404396	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302400973	Investor: Qualifying Total Debt Ratio	24.96	22.4885	Verified	After reviewing the borrowers debt and the income, verified the correct DTI for loan loan calculation
302404399	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302404399	Investor: Qualifying Total Debt Ratio	15.87	25.89303	Verified	DTI on lender's 1008 is 25.893%.
302404399	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302304024	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302304024	Property Type	PUD	PUD Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302304024	Investor: Qualifying Total Debt Ratio	12.31	18.75583	Verified	Unable to verify due to missing information
302335588	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302335588	Investor: Qualifying Total Debt Ratio	18.84	34.96532	Verified	Unable to verify due to missing information
302335588	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302329344	Investor: Qualifying Total Debt Ratio	25.6105	31.76049	Verified	Unable to verify due to missing information
302336660	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302336660	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302272985	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302272985	Investor: Qualifying Total Debt Ratio	21.81	28.10058	Verified	1008 has 20.25
302272985	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338245	Original P&I	2749.5	3106.93	Verified	Field Value reflects Note value
302305710	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302305710	Investor: Qualifying Total Debt Ratio	40.5	31.64639	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302096033	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302096033	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302096033	Representative FICO	760	759	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302096033	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302096033	Original CLTV	69	59.78	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302096033	Original LTV	69	59.78	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302172543	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302172543	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302172543	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302172543	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302332829	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302066050	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302066050	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302066050	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302066050	Original P&I	5024.84	5125.51	Verified	Field Value reflects Note value
302066050	Representative FICO	753	747	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302066050	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302066050	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302066050	Original CLTV	78.2	81.39	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302066050	Original LTV	78.2	81.39	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302066050	Investor: Qualifying Total Debt Ratio	29.182	37.38772	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302271730	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302271730	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302410400	Investor: Qualifying Total Debt Ratio	14	36.72295	Verified	DTI shown on 1008 is 36.742
302410400	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286914	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
301367733	Original CLTV	51	46.65	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
301367733	Original LTV	51	46.65	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
301367733	Investor: Qualifying Total Debt Ratio	42.99	30.5832	Verified	The 1008 DTI is 31.480%
302137058	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302137058	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302137058	Original CLTV	60	63.16	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302137058	Original LTV	60	63.16	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302305699	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302305699	Investor: Qualifying Total Debt Ratio	34.907	42.10803	Verified	The 1008 indicates 42.125%, review is unable to source tape data.
302227983	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302227983	Original CLTV	48.26	43.92	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302227983	Original LTV	48.26	43.92	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302227983	Investor: Qualifying Total Debt Ratio	28.99	35.07939	Verified	DTI per final approval is 35.069 and supported
302226659	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302226659	Investor: Qualifying Total Debt Ratio	41.59	30.71409	Verified	Lender approved DTI is 30.711%, tape value is unknown.
302401335	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302401335	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302226834	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302326629	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302326629	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302326629	Investor: Qualifying Total Debt Ratio	19.96	32.00597	Verified	DTI was derived from the revised income and revised debt to calculate the correct percentage.
302271639	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302271639	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302271639	Original P&I	2373.6	2373.18	Verified	Field Value reflects Note value
302392740	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302392740	Investor: Qualifying Total Debt Ratio	34.35	24.75638	Verified	Additional rental income provided due to numerous refinances to lower the payments.
302392740	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302263940	Original P&I	3767.22	4247.04	Verified	Field Value reflects Note value
302263940	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316470	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302316470	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302316470	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302316470	Original CLTV	78.91	77.52	Verified	Tape Value reflects the LTV value
302316470	Original LTV	78.91	77.52	Verified	Tape Value reflects the CLTV value
302316470	Investor: Qualifying Total Debt Ratio	22.484	25.20729	Verified	Unable to verify due to missing information
302303887	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303887	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302130080	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302130080	Representative FICO	738	759	Verified	Field Value Representative FICO reflects the lowest mid score of the highest wage earner
302130080	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302130080	Investor: Qualifying Total Debt Ratio	37.51	33.49545	Verified	The DTI was calculated after verifying the actual income as it relates to the debt.
302130080	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302305063	Investor: Qualifying Total Debt Ratio	38.44	41.66428	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302305063	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302250450	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302250450	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302250450	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302250450	Investor: Qualifying Total Debt Ratio	36.35	38.50239	Verified	Unable to verify due to missing information
302250450	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302321651	Investor: Qualifying Total Debt Ratio	19.89	41.62817	Verified	DTI stated on 1008 is 41.971%
302321651	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302273144	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302388882	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302388882	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327867	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327867	Refi Purpose	Rate/Term	Cash-out - Other	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302327867	Investor: Qualifying Total Debt Ratio	29.1	36.59838	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302327867	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327788	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327788	Investor: Qualifying Total Debt Ratio	24.91	42.06749	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302327788	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302286912	Investor: Qualifying Total Debt Ratio	11.53	36.5138	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302286912	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302259752	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302259752	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302259752	Representative FICO	780	791	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302271656	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302271656	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302271656	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302271656	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302271656	Original CLTV	78.26	80	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302271656	Original LTV	78.26	80	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302271656	Investor: Qualifying Total Debt Ratio	35	31.83577	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302473114	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302473114	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302473114	Original CLTV	70	65.5	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302473114	Original LTV	70	65.5	Verified	Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases)
302473114	Investor: Qualifying Total Debt Ratio	30	24.57609	Verified	Income calculate during audit is the same as lender's calculation.
302338123	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302338123	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302338123	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302398116	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302398116	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302398116	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302412293	Investor: Qualifying Total Debt Ratio	15	32.26368	Verified	Review DTI is 32.22931%. DTI on 1008 32.264%.
302412293	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302269508	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302269508	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302271714	Representative FICO	792	777	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302271714	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302271714	Investor: Qualifying Total Debt Ratio	13.444	29.88549	Verified	Review DTI and DTI on the 1008 are the same.
302271714	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302285344	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302285344	Representative FICO	774	768	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302285344	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302285344	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338110	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302338110	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302315945	Investor: Qualifying Total Debt Ratio	23.51	35.24856	Verified	The 1008 DTI is 28.929%
302315945	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372202	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302372202	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302288942	Investor: Qualifying Total Debt Ratio	24.07	33.39343	Verified	Review DTI is 33.39343 due to bonus income most recent date is 12/15/20, and 1008 DTI is 32.960%.
302288942	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332629	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302391310	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302391310	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302339307	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302339307	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302339307	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302339307	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302392711	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302392711	Investor: Qualifying Total Debt Ratio	16.73	19.2863	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302392711	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302405858	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302405858	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302405858	Investor: Qualifying Total Debt Ratio	7	22.91709	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302405858	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302305783	Investor: Qualifying Total Debt Ratio	23.97	36.16314	Verified	The lender excluded the mortgage payment for the borrower's departing residence, xxxx but the loan file is missing an executed closing statement verifying the sale of the property.
302305783	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302404320	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302404320	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302404320	Investor: Qualifying Total Debt Ratio	22.96	34.94679	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302404320	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302410399	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302410399	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302337271	Original CLTV	61.95	50	Verified	$xxxx HELOC should be included in CLTV
302337271	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302404426	Investor: Qualifying Total Debt Ratio	20	40.98728	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302404426	Value Used For LTV Calculation	xxxx	xxxx	Verified	Verified per Appraisal
302369100	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302369100	Original P&I	4107.44	5428.77	Verified	Field Value reflects Note value
302369100	Refi Purpose	Rate/Term	Cash-out - Other	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302401375	Original CLTV	72.79	69.3	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302401375	Original LTV	72.79	69.3	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302336619	Investor: Qualifying Total Debt Ratio	25.22	28.14474	Verified	DTI was calculated after the verification of the revised income versus the revised debt.
302336619	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302336588	Value Used For LTV Calculation	xxxx	xxxx	Verified	Verified per Appraisal
302372436	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302372436	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302372436	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302398763	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302398763	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302332743	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302332743	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302329398	Representative FICO	760	762	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302329398	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302329398	Investor: Qualifying Total Debt Ratio	33	23.83662	Verified	Unable to verify due to missing information
302329398	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372377	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302371048	Representative FICO	796	782	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302290311	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302290311	Original Interest Rate	3	2.875	Verified	Field Value reflects the Note value
302290311	Original P&I	3433.54	3378.88	Verified	Field Value reflects Note value
302290311	Appraised Value	xxxx	xxxx	Verified	Tape Value reflects Purchase Price
302290311	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372376	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302372376	Investor: Qualifying Total Debt Ratio	20	26.44312	Verified	1008 value 26.658
302372376	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302365576	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302365576	Investor: Qualifying Total Debt Ratio	26.46	33.66736	Verified	Lender approved the subject loan with a DTI of 33.421%.
302365576	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302371047	Representative FICO	806	797	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302371047	Investor: Qualifying Total Debt Ratio	30.04	36.58564	Verified	Unable to verify due to missing information
302393405	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302393405	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302393405	Property Type	Single Family Detached	Single Family Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302393405	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302393405	Investor: Qualifying Total Debt Ratio	14	29.77296	Verified	Field value DTI is within 2% of DTI on 1008 of 29.770%.
302393405	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302365575	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302365575	Original P&I	5054.03	4964.21	Verified	Field Value reflects Note value
302365575	Representative FICO	755	789	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302365575	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302365575	Investor: Qualifying Total Debt Ratio	32.75	36.23356	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302365575	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302323320	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302323320	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302323320	Appraised Value	xxxx	xxxx	Verified	Tape Value reflects Purchase Price
302323320	Investor: Qualifying Total Debt Ratio	39.15	31.89171	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302408126	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302387234	Representative FICO	751	742	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302387234	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302387234	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302409392	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302391410	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302391410	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302391410	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302391410	Original P&I	3919.12	3935.44	Verified	Field Value reflects Note value
302391410	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302391410	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302391410	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302391410	Investor: Qualifying Total Debt Ratio	15.64	33.28638	Verified	Field value DTI matches DTI on 1008 of 33.286%.
302391410	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302303262	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Approval/AUS
302303262	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302303261	Representative FICO	802	798	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302303261	Investor: Qualifying Total Debt Ratio	38.88	28.10977	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302304020	Property Type	Single Family Detached	Condo (Low Rise)	Verified	Field Value captured from Appraisal or Valuation model in file
302304020	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Approval/AUS
302304020	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302304020	Investor: Qualifying Total Debt Ratio	0.653	30.69421	Verified	Matches 1008 DTI.
302319570	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302319570	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
301595558	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
301595558	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
301595558	Original P&I	9216	9225.26	Verified	Field Value reflects Note value
301595558	Representative FICO	737	753	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
301595558	Property Type	Single Family Attached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
301595558	Original CLTV	79.92	84.01	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
301595558	Investor: Qualifying Total Debt Ratio	35.56	22.81918	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
301595558	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	Field value reflects source document
302365574	Investor: Qualifying Total Debt Ratio	24.39	29.10738	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302319569	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302409367	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302409367	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302400059	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302400059	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372400	Original Interest Rate	2.88	2.875	Verified	Field Value reflects the Note value
302372400	Representative FICO	769	783	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302372400	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372399	Original Interest Rate	2.88	2.875	Verified	Field Value reflects the Note value
302372399	Appraised Value	xxxx	xxxx	Verified	Tape Value reflects Purchase Price
302372399	Investor: Qualifying Total Debt Ratio	24.15	30.85122	Verified	Lender DTI 30.851%
302372399	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302335613	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302335613	Original P&I	4564.14	4572.3	Verified	Field Value reflects Note value
302335613	Representative FICO	758	750	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302335613	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372398	Investor: Qualifying Total Debt Ratio	34.26	41.4509	Verified	Field value DTI matches DTI on 1008 of 41.451%.
302372398	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302228019	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302228019	Investor: Qualifying Total Debt Ratio	19.23	23.07	Verified	Tape Value DTI cannot be located on any documentation within the loan file.
302319601	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302319601	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302332628	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302332628	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302332628	Original CLTV	80	77.72	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302332628	Original LTV	80	77.72	Verified	Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases)
302332628	Investor: Qualifying Total Debt Ratio	36.1822	39.38507	Verified	Lender approved at 40.49%
302303228	Investor: Qualifying Total Debt Ratio	14.248	34.64493	Verified	Lender DTI = 34.691%
302271773	Investor: Qualifying Total Debt Ratio	23.18	38.51934	Verified	Lender approved DTI is 38.653%, tape value is unknown.
302286875	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302286875	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302202004	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302202004	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302202004	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302202004	Investor: Qualifying Total Debt Ratio	13.17	33.44233	Verified	DTI of 33.442% matches the 1008
302318089	Investor: Qualifying Total Debt Ratio	17.482	20.96822	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302288965	Investor: Qualifying Total Debt Ratio	28.545	37.12882	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302288965	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302305735	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302305735	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302305735	Investor: Qualifying Total Debt Ratio	11.656	37.81921	Verified	Field DTI matches the 1008
302305756	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302305756	Investor: Qualifying Total Debt Ratio	15.836	42.45257	Verified	Fields DTI  is higher but is inline with the 1008
302327078	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302280931	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302280931	Property Type	Single Family Attached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302130086	Investor: Qualifying Total Debt Ratio	9.601	17.88914	Verified	The 1008 DTI is 18.377%
302243712	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302243712	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302243712	Investor: Qualifying Total Debt Ratio	33.459	30.2624	Verified	Matches 1008.
302243712	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302173865	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302307738	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302307738	Investor: Qualifying Total Debt Ratio	37.1774	40.8885	Verified	DTI stated on 1008 is 40.889%
302304047	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302367067	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302367067	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302367067	Investor: Qualifying Total Debt Ratio	15.1487	23.32832	Verified	Capital Gains / Loss negatively affected income
302264846	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302264846	Refi Purpose		Rate/Term	Verified	Unable to verify due to missing information
302264846	Investor: Qualifying Total Debt Ratio	30.76	28.49465	Verified	Field value DTI is within 1% of DTI on 1008 of 29.371%.
302330596	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302330596	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302330596	Refi Purpose		Rate/Term	Verified	This is a rate and term
302330596	Investor: Qualifying Total Debt Ratio	34.6325	39.31672	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302327835	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327835	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302327835	Original Interest Rate	3	3.125	Verified	Field Value reflects the Note value
302327835	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302327835	Original CLTV	79.3	76.68	Verified	Tape Value reflects the LTV value
302327835	Original LTV	79.3	76.68	Verified	Tape Value reflects the CLTV value
302327835	Investor: Qualifying Total Debt Ratio	41.6739	33.43417	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302244535	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302269287	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302269287	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302269287	Investor: Qualifying Total Debt Ratio	14.21	37.73945	Verified	Matches DTI on 1008
302065380	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302065380	Original P&I	3385.48	3341.21	Verified	Field Value reflects Note value
302065380	Representative FICO	729	732	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302065380	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302065380	Investor: Qualifying Total Debt Ratio	32.18	27.53817	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302065380	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302183935	Investor: Qualifying Total Debt Ratio	31.19	36.71341	Verified	Field value DTI is within 1% of DTI on 1008 of 35.974%.
302332792	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302332792	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302332792	Investor: Qualifying Total Debt Ratio	28.3806	33.47272	Verified	1008 DTI reflects 34.769%
302214441	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302214441	Product Description	Jumbo 30 Year Fixed	Fixed Rate	Verified	Field value reflects source document
302114061	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302114061	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302114061	Investor: Qualifying Total Debt Ratio	21.83	41.60719	Verified	<1% from the 1008.
302316125	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302316125	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302316125	Investor: Qualifying Total Debt Ratio	4.3485	21.48865	Verified	Investor DTI is in line with Lender DTI.
302116139	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302116139	Investor: Qualifying Total Debt Ratio	18.12	28.99282	Verified	<1% variance from the 1008.
302174098	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302174098	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302174098	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302174098	Investor: Qualifying Total Debt Ratio	37.05	39.77299	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302173069	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302173069	Investor: Qualifying Total Debt Ratio	24.27	27.55211	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302150283	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302150283	Investor: Qualifying Total Debt Ratio	10.57	39.1999	Verified	Actual Lender DTI was 35.228%.  Prior residence  was sold and not included in final review DTI
302228059	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302228059	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302228059	Original CLTV	75	80	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302228059	Original LTV	75	80	Verified	Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases)
302228059	Product Description	Jumbo 30 Year Fixed	Fixed Rate	Verified	Unable to enter jumbo in system
302228059	Investor: Qualifying Total Debt Ratio	33.54	37.26087	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302273100	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302315921	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302315921	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302315921	Investor: Qualifying Total Debt Ratio	41.65	32.81128	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302320910	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302320910	Property Type	Single Family	PUD	Verified	Appraisal verifies Property Type as PUD
302320910	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302307057	Original CLTV	75.84	80	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302307057	Original LTV	75.84	80	Verified	Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases)
302307057	Investor: Qualifying Total Debt Ratio	32.3238	42.5528	Verified	Lender DTI = 42.347%
302226824	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302226824	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302369423	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302369423	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302369423	Investor: Qualifying Total Debt Ratio	39.19	34.4921	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302264614	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302264614	Investor: Qualifying Total Debt Ratio	34.56	42.92302	Verified	Lender approved DTI is 42.818%, tape value is unknown.
302401303	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302401303	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302401303	Borrower FTHB	0	1	Verified	Field Value verified by Application, Credit Report or other documentation in file
302332846	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302332846	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302332846	Investor: Qualifying Total Debt Ratio	39.8	42.6898	Verified	Difference is less than 3%. 1008 is 40.54%, and system is 42.20%.
302332846	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302325282	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302325282	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302325282	Investor: Qualifying Total Debt Ratio	33.45	22.34008	Verified	Audit verified higher income than UW used
302316475	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302316475	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302316475	Original CLTV	78	74.6	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302316475	Original LTV	78	74.6	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302316475	Investor: Qualifying Total Debt Ratio	14.59	17.84141	Verified	Lender DTI = 16.948%
302325085	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302325085	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302325085	Investor: Qualifying Total Debt Ratio	9.89	6.18392	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302325085	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302329332	Original P&I	2475.57	3287.7	Verified	Field Value reflects Note value
302329332	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302329332	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302329332	Original CLTV	75.8	60.64	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302329332	Original LTV	75.8	60.64	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302369406	Appraised Value	xxxx	xxxx	Verified	Field Value reflects Approval/AUS value
302369406	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302369406	Investor: Qualifying Total Debt Ratio	13.13	22.33353	Verified	DTI matches the 1008.
302369406	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302410379	Original P&I	2641.32	3507.82	Verified	Field Value reflects Note value
302410379	Purpose	Purchase	Refinance	Verified	Field Value reflects the Purpose per the Final HUD-1/Final CD
302410379	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302410379	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302410379	Original CLTV	66.7	62.21	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302410379	Original LTV	66.7	62.21	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302410379	Investor: Qualifying Total Debt Ratio	40.82	34.16642	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302372908	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302372908	Original P&I	4982.58	4960.13	Verified	Field Value reflects Note value
302372908	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302372908	Original CLTV	71.79	57.66	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302372908	Original LTV	71.79	57.66	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302372908	Investor: Qualifying Total Debt Ratio	13.26	16.82603	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302369447	Original Interest Rate	2.75	2.875	Verified	Field Value reflects the Note value
302369447	Original P&I	3184.28	3236.16	Verified	Field Value reflects Note value
302369447	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302369447	Investor: Qualifying Total Debt Ratio	28	35.43704	Verified	rental property is being listed so there is no Lease agreement
302369447	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302056530	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302056530	Original Interest Rate	3	3.25	Verified	Field Value reflects the Note value
302056530	Original P&I	2318.82	2297.89	Verified	Field Value reflects Note value
302056530	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302056530	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327841	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302327841	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327841	Investor: Qualifying Total Debt Ratio	30.33	33.89932	Verified	Lender DTI = 31.192% not including Capital Gains loss
302327841	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302329391	Representative FICO	802	799	Verified	Field Value Representative FICO reflects the lowest mid score of the highest wage earner
302329391	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302329391	Investor: Qualifying Total Debt Ratio	12	39.7567	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302329391	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302306333	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302306333	Original P&I	3651.05	3634.46	Verified	Field Value reflects Note value
302306333	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302306333	Investor: Qualifying Total Debt Ratio	14	22.71081	Verified	DTI matches the 1008
302306333	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302317306	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302317306	Original P&I	3762.8	4397.31	Verified	Field Value reflects Note value
302317306	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302317306	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302317306	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the Approval/AUS
302317306	Investor: Qualifying Total Debt Ratio	36.87	42.04705	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302317306	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302265829	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302274216	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302285493	Investor: Qualifying Total Debt Ratio	32.6426	30.234	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302408141	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302408141	Investor: Qualifying Total Debt Ratio	23.54	21.5024	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302370958	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302370958	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302370958	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338228	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302338228	Investor: Qualifying Total Debt Ratio	28.5	40.48542	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302338228	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302272990	Representative FICO	741	778	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302272990	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302272990	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302272990	Investor: Qualifying Total Debt Ratio	32.3	37.79593	Verified	DTI stated on 1008 is 38.10%
302409328	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302409328	Original P&I	4639.06	4705.34	Verified	Field Value reflects Note value
302409328	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372099	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302337303	Investor: Qualifying Total Debt Ratio	36	15.76207	Verified	No 1008 to verify  DTI
302337303	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302404417	Investor: Qualifying Total Debt Ratio	26.79	39.78834	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302404417	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302368615	Investor: Qualifying Total Debt Ratio	18.29	23.66036	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302368615	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302093025	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302093055	Refi Purpose	Rate/Term	Cash-out - Other	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302327879	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302327879	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302327879	Investor: Qualifying Total Debt Ratio	39.07	29.18472	Verified	Lower DTI due to removing the departure residence from the REO schedule (see loan comment)
302327879	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302337267	Investor: Qualifying Total Debt Ratio	34.92	18.71898	Verified	Field Value DTI of 20.47909% is within 3% of AUS DTI of 18.72%. Lender used lower consumer debt than verified by audit.
302388491	Investor: Qualifying Total Debt Ratio	21.03	41.34202	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302388491	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302093020	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302093020	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302139511	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302173856	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302173856	Investor: Qualifying Total Debt Ratio	25.34	38.20069	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302174126	Investor: Qualifying Total Debt Ratio	31.32	33.64838	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302174126	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302228170	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302228170	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302326645	Investor: Qualifying Total Debt Ratio	33.62	37.51455	Verified	The difference is the xxxx open account being included in the DTI on the final 1003.
302326645	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302280925	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302280925	Original P&I	3812.54	3825.39	Verified	Field Value reflects Note value
302280925	Investor: Qualifying Total Debt Ratio	29.91	38.75455	Verified	Lender approved the subject loan with a DTI of 38.85%.
302280925	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302315027	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302315027	Original P&I	5715.38	5225.49	Verified	Field Value reflects Note value
302315027	Appraised Value	xxxx	xxxx	Verified	Unable to verify due to missing information
302315027	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302315027	Investor: Qualifying Total Debt Ratio	38.28	35.28267	Verified	Lower loan amount
302315027	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327220	Investor: Qualifying Total Debt Ratio	31.84	42.98426	Verified	Unable to verify due to missing information
302327220	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302327878	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302327878	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302327878	Investor: Qualifying Total Debt Ratio	37.89	41.59482	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302327878	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372175	Investor: Qualifying Total Debt Ratio	14.48	21.14975	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302372175	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302425349	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302425349	Investor: Qualifying Total Debt Ratio	36.85	17.89865	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302425349	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302067756	Representative FICO	806	762	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302067756	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302267633	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302267633	Representative FICO	765	766	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302267633	Investor: Qualifying Total Debt Ratio	6.36	30.74377	Verified	DTI matches DTI on 1008.
302267633	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302373273	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302373273	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302096021	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302096021	Investor: Qualifying Total Debt Ratio	20.89	30.91794	Verified	Unable to verify due to missing information
302408136	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302408136	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302408136	Investor: Qualifying Total Debt Ratio	22.59	42.81602	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302408136	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302266929	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302266929	Original P&I	5482.68	5462.27	Verified	Field Value reflects Note value
302266929	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302266929	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302406264	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302406264	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302073488	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302307712	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302171003	Investor: Qualifying Total Debt Ratio	35.04	29.07963	Verified	Property at xxxx lane was sold.
302171003	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302229078	Investor: Qualifying Total Debt Ratio	36.78	34.54143	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302229078	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302267608	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302267608	Original P&I	6161.15	5912.22	Verified	Field Value reflects Note value
302267608	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302267608	Investor: Qualifying Total Debt Ratio	35.68	40.75142	Verified	Unable to verify due to missing information
302267608	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302331404	Representative FICO	797	786	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302331404	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302168819	Investor: Qualifying Total Debt Ratio	35.23	30.96297	Verified	Final 1003/1008 matches with the DTI at 29.30.
302168819	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302243247	Refi Purpose	Rate/Term	Cash-out - Debt Consolidation	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302243247	Investor: Qualifying Total Debt Ratio	24.96	27.14788	Verified	Filed Value DTI of 27.14788% matches lender approval DTI of 27.15%.
302276617	Investor: Qualifying Total Debt Ratio	34.69	31.90867	Verified	This is based on the most conservative income amounts used to qualify.
302356641	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302400069	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302410476	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302305497	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302305497	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302305497	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332759	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302369095	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302335636	Investor: Qualifying Total Debt Ratio	16.06	27.54883	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302335636	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302336658	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302305794	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302406232	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338280	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302305793	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302305793	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302325379	Investor: Qualifying Total Debt Ratio	36.24	42.39141	Verified	Field value DTI matches 1008 DTI.
302325379	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302326642	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302326642	Investor: Qualifying Total Debt Ratio	14.9	17.33891	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302326642	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302356441	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302400970	Investor: Qualifying Total Debt Ratio	18.21	24.86693	Verified	Lender approved at 25.80%
302400970	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302331402	Investor: Qualifying Total Debt Ratio	21.72	27.62109	Verified	Unsure where the bid tape field value was derived from.  The Final 1008 DTI is 29.36%.  Within tolerance.
302331402	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302335595	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302367042	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302410544	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302410544	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302388896	Investor: Qualifying Total Debt Ratio	31.01	41.42904	Verified	Field Value DTI 42.74694% is within 3% of AUS DTI 42.95%.
302289118	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302289118	Investor: Qualifying Total Debt Ratio	34.19	40.11002	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302289118	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302267606	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302370956	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302248815	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302248815	Investor: Qualifying Total Debt Ratio	15.74	28.38198	Verified	Lender DTI = 28.71%
302332758	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302332758	Investor: Qualifying Total Debt Ratio	17	39.16966	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302332758	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316425	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302316425	Original P&I	5559.56	5518.07	Verified	Field Value reflects Note value
302316425	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302316425	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302316425	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302316425	Investor: Qualifying Total Debt Ratio	15.429	39.14429	Verified	Lender approved at 40.05%
302316425	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302407990	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302391404	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302276606	Representative FICO	814	807	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302332839	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302391370	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302274519	Investor: Qualifying Total Debt Ratio	27.99	36.73708	Verified	Tape Value DTI cannot be located within the documentation in the loan file.
302285335	Representative FICO	797	779	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302285335	Investor: Qualifying Total Debt Ratio	26.47	40.91205	Verified	Underwriter is in line with Lender ratios.
302285335	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302171338	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302171338	Investor: Qualifying Total Debt Ratio	23.94	42.45975	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302171338	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338157	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302316472	Investor: Qualifying Total Debt Ratio	26.23	20.6019	Verified	Used HOA dues too
302316472	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302368634	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302368634	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302368634	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302368634	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302281207	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302281207	Original P&I	3659.52	3644.77	Verified	Field Value reflects Note value
302281207	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302281207	Investor: Qualifying Total Debt Ratio	9.06	12.97553	Verified	Lender DTI = 13.00%
302281207	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302273142	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302273142	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302176108	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302176108	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302176108	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302176108	Original P&I	2998.63	2891.53	Verified	Field Value reflects Note value
302176108	Representative FICO	756	724	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302176108	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302176108	Investor: Qualifying Total Debt Ratio	34.19	37.19899	Verified	Lender excluded auto lease due to under 10 months left. There are over 10 months left on the lease.
302176108	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302278982	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302401359	Property Type	Single Family Detached	Condo (High Rise)	Verified	Field Value captured from Appraisal or Valuation model in file
302401359	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372402	Investor: Qualifying Total Debt Ratio	10.64	42.08447	Verified	UTD source of tape DTI.  Approved at 42.09%.
302331398	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302331398	Investor: Qualifying Total Debt Ratio	30.97	14.06027	Verified	Lender debt ratio is 14.09% per transmittal summary
302331398	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302370955	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302370955	Original P&I	2547.42	2482.11	Verified	Field Value reflects Note value
302370955	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302370955	Investor: Qualifying Total Debt Ratio	17.45	22.62906	Verified	Field Value DTI 22.62906% matches Lender Approval DTI 22.63%.
302370955	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302367041	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302367041	Original P&I	2694.39	2705.82	Verified	Field Value reflects Note value
302367041	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302367041	Original CLTV	66	60.25	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302367041	Original LTV	66	60.25	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302367041	Investor: Qualifying Total Debt Ratio	31.58	40.39035	Verified	Field Value DTI  40.39035% is within 3% of AUS DTI 39.02%
302406376	Property Type	Single Family Detached	Condo (Low Rise)	Verified	Field Value captured from Appraisal or Valuation model in file
302406376	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302406376	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302406376	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302277034	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302277034	Original CLTV	61.33	60	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302277034	Original LTV	61.33	60	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302285330	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302285330	Investor: Qualifying Total Debt Ratio	21.28	34.83635	Verified	Review included full 30-day account balances in DTI, whereas lender used a 5% payment.
302316137	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302316137	Original P&I	2335.84	2325.89	Verified	Field Value reflects Note value
302316137	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302316137	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302274681	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302274681	Original P&I	3988.37	3967.29	Verified	Field Value reflects Note value
302274681	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302274681	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302274681	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302278091	Original Interest Rate	3	2.99	Verified	Field Value reflects the Note value
302278091	Original P&I	2563.35	2560.07	Verified	Field Value reflects Note value
302278091	Representative FICO	776	801	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302278091	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302278091	Investor: Qualifying Total Debt Ratio	16.606	29.31008	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302278091	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302277088	Investor: Qualifying Total Debt Ratio	37.02	31.3957	Verified	Field value is less - lender used higher credit debt (xxxx)
302277088	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372428	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302329316	Refi Purpose	Rate/Term	Cash-out - Other	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302329316	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338204	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302338204	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Final Loan Application
302338204	Investor: Qualifying Total Debt Ratio	20	38.91016	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302338204	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302336640	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302336640	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302098621	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302098621	Original CLTV	74.67	63.3	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302098621	Original LTV	74.67	63.3	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302098621	Investor: Qualifying Total Debt Ratio	19.7	33.271	Verified	Lender DTI = 32.868%
302336683	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302336683	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302260957	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302260957	Original Interest Rate	3.25	3.5	Verified	Field Value reflects the Note value
302260957	Original P&I	2741.8	2828.98	Verified	Field Value reflects Note value
302260957	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302260957	Investor: Qualifying Total Debt Ratio	23.603	18.20303	Verified	Unable to verify due to missing information
302260957	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302303759	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302303759	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302303759	Original P&I	9584.02	9554.97	Verified	Field Value reflects Note value
302303759	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302303759	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302303759	Investor: Qualifying Total Debt Ratio	0.496	10.05537	Verified	Lender debt ratio of 8.982% per transmittal summary
302303759	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302096050	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302226648	Investor: Qualifying Total Debt Ratio	33.846	41.44172	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302137090	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302137090	Investor: Qualifying Total Debt Ratio	12.019	17.4181	Verified	Confirmed DTI using income and debt information in the file
302137090	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302243737	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302243737	Original P&I	3440.08	3371.31	Verified	Field Value reflects Note value
302243737	Investor: Qualifying Total Debt Ratio	9.715	40.94256	Verified	Within 3% of 1008 DTI.
302243737	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302268738	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302268738	Investor: Qualifying Total Debt Ratio	43	33.02443	Verified	Lender approved DTI is 33.077%, tape DTI is unknown.
302268738	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302250451	Investor: Qualifying Total Debt Ratio	15.375	37.54746	Verified	Field Value DTI matches 1008 DTI.
302250451	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302304085	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302304085	Investor: Qualifying Total Debt Ratio	33.397	40.63768	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302304085	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302307074	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302307074	Investor: Qualifying Total Debt Ratio	25.58	40.81001	Verified	DTI is within variance with the 1008 provided
302307074	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302320447	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302320447	Original CLTV	73	71.28	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302320447	Original LTV	73	71.28	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302320447	Investor: Qualifying Total Debt Ratio	23.394	36.19556	Verified	Lender approved DTI is 36.210%, tape value is unknown.
302317906	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302317906	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302331329	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302331329	Investor: Qualifying Total Debt Ratio	41	23.66902	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302323344	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302323344	Investor: Qualifying Total Debt Ratio	20.231	25.76489	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302331328	Investor: Qualifying Total Debt Ratio	38	42.48369	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302331328	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302335617	Investor: Qualifying Total Debt Ratio	36	23.41743	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302335617	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302147642	Value Used For LTV Calculation	xxxx	xxxx	Verified	Per the Appraised Value.
302412300	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302412300	Original P&I	2821.27	2748.25	Verified	Field Value reflects Note value
302412300	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302412300	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the HUD-1 or CD
302412300	Investor: Qualifying Total Debt Ratio	17	20.93224	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302213580	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302213580	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302213580	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302213580	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302314662	City	xxxx	xxxx	Verified	Field Value reflects City per Security Instrument
302314662	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302314662	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302314662	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302278916	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302278916	Refi Purpose		Rate/Term	Verified	Unable to verify due to missing information
302243689	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302243689	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302243689	Representative FICO	797	792	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302243689	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302243689	Investor: Qualifying Total Debt Ratio	38.29	30.62085	Verified	Tape Value DTI cannot be located on any documentation within the loan file.
302265821	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302265821	Representative FICO	787	800	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302265821	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302265821	Original CLTV	59.89	56.65	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302265821	Original LTV	59.89	56.65	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302265821	Investor: Qualifying Total Debt Ratio	31.58	28.28515	Verified	DTI is less than origination based on lower debt than utilized at origination..
302305725	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305725	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302265709	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302265709	Representative FICO	800	763	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302265709	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302270831	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302270831	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302271597	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302271597	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302271597	Investor: Qualifying Total Debt Ratio	34.98	37.74902	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302260972	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302260972	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302273051	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302273051	Refi Purpose		Rate/Term	Verified	Confirmed Refi Purpose from 1003, loan approval and loan underwriter summary.
302273051	Investor: Qualifying Total Debt Ratio	37.83	40.1319	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302323352	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302323352	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302323352	Investor: Qualifying Total Debt Ratio	23.8979	32.26918	Verified	1008 reflects 32.517%
302273050	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302273050	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302273050	Investor: Qualifying Total Debt Ratio	36.88	41.49705	Verified	Based on income and liabilities provided.
302288813	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302288813	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302288813	Original CLTV	50.79	47.89	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302288813	Original LTV	50.79	47.89	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302328831	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302328831	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302175990	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302172626	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302273074	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302273074	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302273074	Investor: Qualifying Total Debt Ratio	40.42	37.14471	Verified	Lender's 1008 reflects a DTI of 37.545%
302285470	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302285470	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302316149	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302316149	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302316149	Investor: Qualifying Total Debt Ratio	34.3758	29.22534	Verified	Based on income and liabilities provided.
302286956	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302286956	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302286956	Investor: Qualifying Total Debt Ratio	33.5126	26.46884	Verified	income based off of 2 years 1120s
302271594	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302271594	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302271594	Investor: Qualifying Total Debt Ratio	40.93	35.46145	Verified	DTI% Matches Final 1008
302372045	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302372045	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302425370	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302373282	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302373282	Original P&I	3723.62	3731.13	Verified	Field Value reflects Note value
302373282	Property Type	PUD	PUD Attached	Verified	Field Value captured from Appraisal or Valuation model in file
302373282	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302373282	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302332845	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302332845	Original P&I	2355.8	2335.14	Verified	Field Value reflects Note value
302332845	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302391379	Investor: Qualifying Total Debt Ratio	18.88	21.53899	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302391379	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302398118	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302423546	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302400041	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302369404	Investor: Qualifying Total Debt Ratio	12.89	20.70881	Verified	Unable to verify due to missing information
302369404	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302409363	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302409363	Original P&I	2653.79	2666.52	Verified	Field Value reflects Note value
302409363	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302413526	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338209	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302338209	Original Interest Rate	2.88	2.75	Verified	Field Value reflects the Note value
302338209	Original P&I	4342.26	4258.77	Verified	Field Value reflects Note value
302338209	Representative FICO	783	780	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302338209	Investor: Qualifying Total Debt Ratio	33.46	24.95311	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302338209	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302372945	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302372945	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302372945	Occupancy	Primary	Second Home	Verified	Field Value reflects Occupancy per the Security Instrument Riders in file
302372945	Investor: Qualifying Total Debt Ratio	38.03	41.64719	Verified	DTI stated on 1008 is 39.629%
302372945	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302394056	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302394056	Investor: Qualifying Total Debt Ratio	20	42.11325	Verified	Lender approved the subject loan with a DTI of 42.115%.
302394056	Other Financing Junior Total Original Loan Amount	xxxx	xxxx	Verified	File contains a subordination agreement for the subordinated HELOC loan.
302371042	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302371042	Original P&I	4498.68	4412.8	Verified	Field Value reflects Note value
302371042	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302404366	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302404366	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302404366	Investor: Qualifying Total Debt Ratio	25.57	36.67964	Verified	missing credit report to confirm the full DTI
302404366	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302393965	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the HUD-1 or CD
302393965	Investor: Qualifying Total Debt Ratio	34.53	37.12092	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302393965	Value Used For LTV Calculation	xxxx	xxxx	Verified	Final CD disclosed a purchase price of $xxxx. Purchase agreement and appraisal reflect a purchase price of xxxx.
302332843	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302365604	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302365604	Original P&I	3868.93	3834.29	Verified	Field Value reflects Note value
302365604	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302365604	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302365604	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302371040	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302371040	Original P&I	4283.75	4626.45	Verified	Field Value reflects Note value
302371040	Representative FICO	720	686	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302371040	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302371040	Investor: Qualifying Total Debt Ratio	29	33.09189	Verified	Field value DTI is within 2% of DTI on 1008 of 32.681%.
302371040	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302370970	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302459192	Representative FICO	751	750	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302459192	Investor: Qualifying Total Debt Ratio	23.64	30.92128	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302459192	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302365602	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302356450	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302356450	Investor: Qualifying Total Debt Ratio	40.03	42.74069	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302356450	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302370968	Investor: Qualifying Total Debt Ratio	40.17	35.46954	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302370968	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302388319	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302388319	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302370940	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302370940	Investor: Qualifying Total Debt Ratio	26.29	29.18301	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302370940	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302371074	Representative FICO	765	788	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302371074	Appraised Value	xxxx	xxxx	Verified	Field Value captured from Valuation model in file
302371074	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302391378	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302387159	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302387159	Contract Sales Price	xxxx	xxxx	Verified	Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum
302387159	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302387231	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302338086	Investor: Qualifying Total Debt Ratio	23.68	27.91588	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302338086	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302400029	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302400029	Investor: Qualifying Total Debt Ratio	26.56	38.1456	Verified	UTD source of tape DTI, review matches loan approval.
302400029	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302096359	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302096359	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302096359	Original CLTV	74	66.59	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302096359	Original LTV	74	66.59	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302096295	Original CLTV	75	64.11	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302096295	Original LTV	75	64.11	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302116003	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302116003	Refi Purpose		Rate/Term	Verified	Unable to verify due to missing information
302116003	Product Description	Jumbo 30 Year Fixed	Fixed Rate	Verified	Field value reflects source document
302116003	Investor: Qualifying Total Debt Ratio	39.34	42.33033	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302277145	Investor: Qualifying Total Debt Ratio	32.18	36.59058	Verified	Field value is in line with the lender's DTI on the final 1008. Tape is invalid.
302277144	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302277144	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302286451	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302286451	Investor: Qualifying Total Debt Ratio	29.51	32.70341	Verified	The Lenders DTI was 32.413% this is a difference of  0.29041%
302286964	Investor: Qualifying Total Debt Ratio	32.84	34.85927	Verified	Lender qualified borrower using higher net rental income than calculated in review.
302278914	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302338126	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302338126	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302470342	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302470342	Borrower Last Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302470342	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302470342	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302278908	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302278908	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302278908	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302303169	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302303169	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303169	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302423521	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302423521	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302411630	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302411630	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302411630	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302411641	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302411641	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302411641	Investor: Qualifying Total Debt Ratio	34.87	37.94971	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302286457	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302286457	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302286457	Investor: Qualifying Total Debt Ratio	38.32	35.6056	Verified	Field Value DTI is higher than Tape value but within 3% and < 45% DTI
302147495	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302147495	Representative FICO	766	768	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302147495	Investor: Qualifying Total Debt Ratio	34	41.24389	Verified	Unable to verify due to missing information
302096283	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302096283	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302096283	Investor: Qualifying Total Debt Ratio	28.62	31.6471	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302099457	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302173135	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302173135	Investor: Qualifying Total Debt Ratio	21.92	28.9422	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302260930	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302260930	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302260930	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302260930	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302260930	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302316129	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302316129	Investor: Qualifying Total Debt Ratio	34.62	30.61517	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302250021	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302250021	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302271768	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302271768	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302271768	Investor: Qualifying Total Debt Ratio	9	13.54545	Verified	In line with lender final
302327065	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302269304	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302269304	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302286966	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302286966	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302286966	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302318367	Investor: Qualifying Total Debt Ratio	33.7858	25.3266	Verified	Lender DTI 25.327%
302335586	Property Type	Single Family Detached	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302335586	Value Used For LTV Calculation	xxxx	xxxx	Verified	Field value reflects source document
302290298	Original Loan Amount	xxxx	xxxx	Verified	Unable to verify due to missing information
302290298	Representative FICO	777	801	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302290298	Refi Purpose		Rate/Term	Verified	Unable to verify due to missing information
302290298	Original CLTV	69.14	73.62	Verified	Unable to verify due to missing information
302290298	Original LTV	69.14	73.62	Verified	Unable to verify due to missing information
302290298	Investor: Qualifying Total Debt Ratio	13.1827	40.82035	Verified	Unable to verify due to missing information
302392698	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302243226	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302243226	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302243226	Investor: Qualifying Total Debt Ratio	30.79	35.08982	Verified	1008 verifies
302318087	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302318087	Property Type	PUD	Townhouse	Verified	Subject is attached PUD.  We do not use this property type.  Changed to Townhouse
302265783	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Appraisal
302265783	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302265783	Original CLTV	73	64.89	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302265783	Original LTV	73	64.89	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302265783	Investor: Qualifying Total Debt Ratio	25.81	33.80678	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302270494	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302270494	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302268716	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302268716	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302268716	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302268716	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302268716	Original CLTV	78.57	76.97	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases)
302268716	Original LTV	78.57	76.97	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302268716	Investor: Qualifying Total Debt Ratio	13.36	36.26017	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302244532	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302244532	Product Description	Jumbo 30 Year Fixed	Fixed Rate	Verified	Field value reflects source document
302175918	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302175918	Investor: Qualifying Total Debt Ratio	36.14	40.29133	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302319596	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327827	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327827	Investor: Qualifying Total Debt Ratio	42.93	36.39208	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302278953	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302278953	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302332720	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302332720	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302365595	Note Date	xxxx	xxxx	Verified	Unable to verify due to missing information
302365595	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302365595	Refi Purpose		Rate/Term	Verified	Unable to verify due to missing information
302365595	Original CLTV	53.46	62.02	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302365595	Original LTV	53.46	62.02	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302248410	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302248410	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302248410	Investor: Qualifying Total Debt Ratio	31.97	29.15446	Verified	Field Value DTI is higher than Tape value but within 3% tolerance per FNMA guidelines and < 45% DTI
302332785	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302332785	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302029652	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302029652	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302029652	Investor: Qualifying Total Debt Ratio	17.39	36.52582	Verified	Within tolerance of DTI on 1008.
302271751	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302271751	Representative FICO	753	757	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302270829	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302270829	Representative FICO	797	789	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302096029	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302096029	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302096029	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302265816	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302265816	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302265816	Investor: Qualifying Total Debt Ratio	31.53	36.43325	Verified	Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit
302327797	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302277128	Investor: Qualifying Total Debt Ratio	40.8	34.2607	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302248790	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302248790	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302248790	Original CLTV	67.37	69.57	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302248790	Original LTV	67.37	69.57	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302214056	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302214056	Investor: Qualifying Total Debt Ratio	36	39.04889	Verified	1008 did not seem to include rental income for xxxx property.
302307723	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302307723	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302307723	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302305537	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302305537	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302269518	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302269518	Investor: Qualifying Total Debt Ratio	33.7	38.64082	Verified	The Approval reflects the DTI as 38.913%.
302227978	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302227978	Investor: Qualifying Total Debt Ratio	37.82	42.93893	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit
302228174	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302228174	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302228174	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302228174	Original CLTV	57.57	64.63	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302228174	Original LTV	57.57	64.63	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302228174	Investor: Qualifying Total Debt Ratio	37	41.75003	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302228173	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302228173	Original CLTV	72.27	70.16	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302228173	Original LTV	72.27	70.16	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302260923	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302260923	Original CLTV	60	56.97	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302260923	Original LTV	60	56.97	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302271748	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302279019	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302279019	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302279019	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302279019	Investor: Qualifying Total Debt Ratio	37.4	23.78072	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302265780	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302265780	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302265780	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302265780	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302265780	Original CLTV	69.67	68.06	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302265780	Original LTV	69.67	68.06	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302327047	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327047	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302327047	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302327047	Original CLTV	47	40.08	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302327047	Original LTV	47	40.08	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302327047	Investor: Qualifying Total Debt Ratio	28.9824	37.15891	Verified	Field value reflects lender value
302267583	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302267583	Investor: Qualifying Total Debt Ratio	42.9	26.58745	Verified	Per final 1008, the total debt ratio was 26.587%.
302274661	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302274661	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302316146	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302316146	Investor: Qualifying Total Debt Ratio	34	31.21153	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302286439	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302332806	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290294	Borrower First Name	xxxx	xxxx	Verified	Field Value reflects Borrower name as it appears on the Note
302290294	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302290294	Investor: Qualifying Total Debt Ratio	34	42.65774	Verified	Field Value DTI is higher than Tape value but not < 43% as required by QM/TQM
302304103	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302304103	Original Loan Amount	xxxx	xxxx	Verified	Field Value reflects the Note value
302304103	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302304103	Investor: Qualifying Total Debt Ratio	38.3087	24.85713	Verified	Final 1008 reflects DTI of 24.811.
302306967	Street	xxxx	xxxx	Verified	Field Value reflects Street per Note
302306967	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302306967	Zip	xxxx	xxxx	Verified	Field Value reflects Zip per Note
302306967	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302306967	Representative FICO	759	766	Verified	Field Value Representative FICO reflects the lowest mid score of all borrowers
302306967	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302318363	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302318363	Investor: Qualifying Total Debt Ratio	29.6572	36.21589	Verified	Tape Value DTI cannot be located on any documentation within the loan file.
302327815	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302327815	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302327815	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302327815	Original CLTV	71.11	76.37	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302327815	Original LTV	71.11	76.37	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302327815	Investor: Qualifying Total Debt Ratio	34.1085	28.26154	Verified	UTD source of tape DTI, review matches loan approval.
302243619	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302243619	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302368629	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302368629	Refi Purpose		Rate/Term	Verified	Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD
302368629	Original CLTV	76.26	71.02	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302368629	Original LTV	76.26	71.02	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302368629	Investor: Qualifying Total Debt Ratio	40.1744	26.0827	Verified	DTI shown on 1008 is 26.083%
302368629	Initial Rate Lock Date	xxxx	xxxx	Verified	Field value reflects source document
302373596	Property Type	Single Family	PUD	Verified	Field Value captured from Appraisal or Valuation model in file
302387241	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302387241	Investor: Qualifying Total Debt Ratio	17.2861	34.18441	Verified	Review DTI is 34.18441%, DTI on 1008 is the same at 34.184%.
302303215	City	xxxx	xxxx	Verified	Field Value reflects City per Note
302303215	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302303215	Original CLTV	45.45	31.74	Verified	Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances)
302303215	Original LTV	45.45	31.74	Verified	Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances)
302303215	Investor: Qualifying Total Debt Ratio	38	34.89289	Verified	Tape Value DTI cannot be located on any documentation within the loan file.
302303885	Investor: Qualifying Total Debt Ratio	38.5557	19.94277	Verified	Per final 1008 in file, approved at 19.94% DTI- unable to determine source of tape value.
302307720	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302307720	Investor: Qualifying Total Debt Ratio	21.7171	17.25471	Verified	WVOE not provided to Break down Salary versus Bonus;  Used W-2 Income
302401910	Note Date	xxxx	xxxx	Verified	Field Value reflects Note Date per the Note
302401910	Investor: Qualifying Total Debt Ratio	18.7062	33.38515	Verified	Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit

EX-99.3

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.3

Customer Loan ID

Exception ID

Exception ID Date

Exception Category

Exception Subcategory

Exception Description

Exception Comments

Seller Response

Reviewer Response

Compensating Factors

Exception Status

Cleared Date

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

302066031

18968159

xxxx  5:53:23 AM

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Statement

Reviewer Comment (2021-01-13): Hazard insurance verification provided. Buyer Comment (2021-01-08): HOI uploaded Reviewer Comment (2020-12-21): Tax verification provided.  Hazard document provided lists the subject (xxxx) as property address and not REO (xxxx).  Please provide insurance document for xxxx. Buyer Comment (2020-12-18): Taxes and Insurance documents provided. Reviewer Comment (2020-12-11): Received VOM which verifies P&I.  Still need tax and insurance verification. Buyer Comment (2020-12-08): uploaded the VOM for the property. Reviewer Comment (2020-12-02): HOA verification provided.  Still need tax, insurance and mortgage documents. Buyer Comment (2020-11-25): evidence of rental.  please clear.

Reviewer Comment (2021-01-13): Hazard insurance verification provided. Reviewer Comment (2020-12-21): Tax verification provided.  Hazard document provided lists the subject (xxxx) as property address and not REO (xxxx).  Please provide insurance document for xxxx. Reviewer Comment (2020-12-11): Received VOM which verifies P&I.  Still need tax and insurance verification. Reviewer Comment (2020-12-02): HOA verification provided.  Still need tax, insurance and mortgage documents.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302066031

18968262

xxxx  6:29:22 AM

Credit

Application / Processing

Missing Document: Other not provided

Reviewer Comment (2020-12-21): Verification of credit card account provided.  Payment is included in DTI. Buyer Comment (2020-12-18): documents uploaded to clear final two conditions

Reviewer Comment (2020-12-21): Verification of credit card account provided.  Payment is included in DTI.

Cleared

xxxx  10:29:08 AM

N

3

1

C

A

C

A

C

A

C

A

D

A

302066031

18968277

xxxx  6:36:42 AM

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 2,640.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-21): Received verification the property doesn't have HOA dues; lender cured on the PCCD dated 12.03.2020

Reviewer Comment (2021-01-21): Received verification the property doesn't have HOA dues; lender cured on the PCCD dated 12.03.2020

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302066031

18968278

xxxx  6:36:42 AM

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2020-12-01): xxxx received e-consent; exception cleared. Buyer Comment (2020-11-28): receipt uploaded

Reviewer Comment (2020-12-01): xxxx received e-consent; exception cleared.

Cleared

12/01/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302066031

18974212

xxxx  4:08:02 PM

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2020-12-01): xxxx received proof of delivery; exception cleared. Buyer Comment (2020-11-28): receipt

Reviewer Comment (2020-12-01): xxxx received proof of delivery; exception cleared.

Cleared

12/01/2020

N

2

1

B

A

B

A

B

A

B

A

B

A

302066031

18974354

xxxx  4:21:16 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,116.65 exceeds tolerance of $1,114.00.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2020-12-11): xxxx received PCCD indicating cure, LOE, and refund check.

Reviewer Comment (2020-12-11): xxxx received PCCD indicating cure, LOE, and refund check.

Cleared

xxxx  12:55:06 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302066031

19218239

xxxx  12:55:06 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,116.65 exceeds tolerance of $1,114.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (8304)

Reviewer Comment (2020-12-11): xxxx received PCCD indicating cure, LOE, and refund check.

Reviewer Comment (2020-12-11): xxxx received PCCD indicating cure, LOE, and refund check.

Cured

N

3

2

B

B

B

B

B

302399994

19375370

xxxx  12:59:12 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-02-03): VVOE provided. Buyer Comment (2021-01-30): Organica VOE Reviewer Comment (2021-01-14): Transcripts and VOE for current employment provided. Buyer Comment (2021-01-12): 2019 & 2018 transcripts

Reviewer Comment (2021-02-03): VVOE provided. Reviewer Comment (2021-01-14): Transcripts and VOE for current employment provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302399994

19375372

xxxx  1:22:40 PM

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-03): Current and prior employment dates verified. Buyer Comment (2021-02-01): VOE uploaded Reviewer Comment (2021-01-14): Current employment dates (Transcend) documented.  Need verification of dates of prior employment (xxxx). Reviewer Comment (2020-11-18): VOE in file for xxxxlists original hire date of xxxx, missing verification of any prior dates of employment is triggering exception.  Please provide evidence of hire date with xxxx or xxxxthat supports over 2 years of employment history. Buyer Comment (2020-11-18): xxxx which is noted on WVOE is one in the same as xxxx. They both reflect the same address. See the attached documents that confirm this Reviewer Comment (2020-11-11): Missing VOE for xxxx, internet printout of business existence was provided but still missing verification of employment dates.  Documents must be dated prior to loan consummation. Buyer Comment (2020-11-11): uploaded a VOE. Please clear

Reviewer Comment (2021-02-03): Current and prior employment dates verified. Reviewer Comment (2021-01-14): Current employment dates (Transcend) documented.  Need verification of dates of prior employment (xxxx). Reviewer Comment (2020-11-18): VOE in file for xxxxlists original hire date of xxxx, missing verification of any prior dates of employment is triggering exception.  Please provide evidence of hire date with xxxx or xxxxthat supports over 2 years of employment history. Reviewer Comment (2020-11-11): Missing VOE for xxxx, internet printout of business existence was provided but still missing verification of employment dates.  Documents must be dated prior to loan consummation.

Cleared

02/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302399994

19375373

xxxx  1:22:40 PM

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2020-11-24): Payoff statement provided to clear exception. Buyer Comment (2020-11-23): payoff

Reviewer Comment (2020-11-24): Payoff statement provided to clear exception.

Cleared

xxxx  8:01:29 AM

N

2

1

B

A

B

A

B

A

B

A

B

A

302399994

19375374

xxxx  1:22:40 PM

Compliance

Federal Compliance

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Reviewer Comment (2020-11-04): Notice of right to cancel was provided with execution as expected to clear exception. Buyer Comment (2020-11-03): RTC

Reviewer Comment (2020-11-04): Notice of right to cancel was provided with execution as expected to clear exception.

Cleared

11/04/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302399994

19375375

xxxx  1:25:02 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 24,253.13 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-20): xxxx received a PCCD correcting total property costs and LOE Buyer Comment (2021-01-14): Please explain why this condition is opened again? It was cleared back on xxxx Reviewer Comment (2020-11-16): xxxx received a PCCD correcting total property costs and LOE. Buyer Comment (2020-11-13): PCCD

Reviewer Comment (2021-01-20): xxxx received a PCCD correcting total property costs and LOE Reviewer Comment (2020-11-16): xxxx received a PCCD correcting total property costs and LOE.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302399994

19375376

xxxx  9:54:37 AM

Credit

Missing/Incorrect

Mortgage note not yet reviewed or approved by custodian.

Reviewer Comment (2020-10-21): Cleared per client waiver. Reviewer Comment (2020-10-21): Waived as EV3 is not correct resolution. Buyer Comment (2020-10-19): Waived on Rate Lock: Collateral cleared by Custodian

Reviewer Comment (2020-10-21): Cleared per client waiver. Reviewer Comment (2020-10-21): Waived as EV3 is not correct resolution.

Cleared

xxxx  8:15:06 AM

N

3

1

A

A

A

A

A

A

A

A

A

A

302399994

19375997

xxxx  4:46:02 PM

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-01-14): AUS provided. Buyer Comment (2021-01-12): AUS uploaded

Reviewer Comment (2021-01-14): AUS provided.

Cleared

01/14/2021

N

3

1

A

A

A

A

A

302272903

20318088

01/05/2021

Credit

Closing / Title

Missing Lien(s) negatively impacting title

Reviewer Comment (2021-01-20): Notice of Termination prepared by title and Contractor's Final Payment Affidavit provided Buyer Comment (2021-01-20): see attached seller comment > Attached is the title prepared and borrower signed NOT along with the Signed and Notarized Contractor's Affidavit. Reviewer Comment (2021-01-15): The borrowers provided their own Notice of Termination which is not acceptable. This must come from the title company. Provide the clear title policy, supplemental report, or Final Title showing this is removed. Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-20): Notice of Termination prepared by title and Contractor's Final Payment Affidavit provided Reviewer Comment (2021-01-15): The borrowers provided their own Notice of Termination which is not acceptable. This must come from the title company. Provide the clear title policy, supplemental report, or Final Title showing this is removed.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302272903

20318090

01/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $85.00 exceeds tolerance of $75.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-01-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302272903

20318091

01/06/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-11): W2 transcripts provided Buyer Comment (2021-01-11): see attached

Reviewer Comment (2021-01-11): W2 transcripts provided

Cleared

01/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302272903

20318092

01/11/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-22): Balance Sheets and CPA letter provided. Income was not utilized for qualifying. Guideline requirement only. Buyer Comment (2021-01-21): see attached seller comment >Attached is the cover letter from CPA confirming that they prepared all balance sheets and P&L's along with the CPA verification. Reviewer Comment (2021-01-20): The Balance Sheets provided are signed and dated by the borrower, however they are not Third Party Prepared as required by guidelines. Buyer Comment (2021-01-20): see attached Reviewer Comment (2021-01-13): Documents uploaded are not Balance Sheets but P&L's. 2 P&L's prepared by the CPA and 1 by the borrower (for organist business). Third party prepared balance sheets, signed and dated by the borrower are required. Buyer Comment (2021-01-13): see attached

Reviewer Comment (2021-01-22): Balance Sheets and CPA letter provided. Income was not utilized for qualifying. Guideline requirement only. Reviewer Comment (2021-01-20): The Balance Sheets provided are signed and dated by the borrower, however they are not Third Party Prepared as required by guidelines. Reviewer Comment (2021-01-13): Documents uploaded are not Balance Sheets but P&L's. 2 P&L's prepared by the CPA and 1 by the borrower (for organist business). Third party prepared balance sheets, signed and dated by the borrower are required.

Cleared

01/22/2021

N

3

1

A

A

A

A

A

302272898

20318185

xxxx  12:48:40 PM

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2020-12-04): Based on the contract that was provided for the prior employer, the employment was for 2019/2020 and 2020/2021.  The new contract references the buyout to the prior team and the dates tie out to the dates reflected on the 1003. Buyer Comment (2020-12-04): reattached Reviewer Comment (2020-12-04): Last trailing document was uploaded 12/1. Please try uploading again. Buyer Comment (2020-12-04): see attached Former Contracts Buyer Comment (2020-12-03): is there anything else needed to satisfy this condition? Reviewer Comment (2020-12-02): Response sent to client Buyer Comment (2020-12-01): seller comment > addtl information on employment see attached docs under condition code 18943835 Reviewer Comment (2020-12-01): The VVOE D0261 is a post closing document.  It cannot be used for Appendix Q considerations. 11/2/2020, closing occurred xxxx. Buyer Comment (2020-11-24): see attached VVOE's

Reviewer Comment (2020-12-04): Based on the contract that was provided for the prior employer, the employment was for 2019/2020 and 2020/2021.  The new contract references the buyout to the prior team and the dates tie out to the dates reflected on the 1003. Reviewer Comment (2020-12-04): Last trailing document was uploaded 12/1. Please try uploading again. Reviewer Comment (2020-12-02): Response sent to client Reviewer Comment (2020-12-01): The VVOE D0261 is a post closing document.  It cannot be used for Appendix Q considerations. 11/2/2020, closing occurred xxxx.

Cleared

12/04/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272898

20318187

xxxx  12:48:40 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2020-12-10): SHQM Loan Buyer Comment (2020-12-10): see attached cert w/ par @ 4.625

Reviewer Comment (2020-12-10): SHQM Loan

Cleared

xxxx  1:10:59 PM

N

3

1

B

A

C

A

C

A

B

A

B

A

302272898

20318189

xxxx  12:48:40 PM

Compliance

Federal Compliance

QM Points and Fees

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or .98960%).

Reviewer Comment (2020-12-10): Rate sheet provided Buyer Comment (2020-12-10): see attached cert w/ par @ 4.625 Reviewer Comment (2020-12-07): If creditor provides the undiscounted rate and undiscounted price, that may be able to be resolved

Reviewer Comment (2020-12-10): Rate sheet provided Reviewer Comment (2020-12-07): If creditor provides the undiscounted rate and undiscounted price, that may be able to be resolved

Cleared

xxxx  12:29:54 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302272898

20318194

xxxx  1:01:10 PM

Credit

Credit Documentation

Aged document: Credit Report  is more than 90 days prior to the note date.

Credit Report: Original // Borrower: xxxxx

Reviewer Comment (2020-12-11): Client elects to waive with verified compensation factors Buyer Comment (2020-12-11): Please waive with verified comp factors Reviewer Comment (2020-12-07): Will need the client's consideration to waive Seller Comment (2020-12-07): Requesting exception on cb dates

Reviewer Comment (2020-12-11): Client elects to waive with verified compensation factors Reviewer Comment (2020-12-07): Will need the client's consideration to waive

The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has verified disposable income of at least $2500.00.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302272889

20318167

xxxx  1:22:04 PM

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2020-12-09): HOI provided Buyer Comment (2020-12-09): see attached HOI

Reviewer Comment (2020-12-09): HOI provided

Cleared

12/09/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272889

20318170

xxxx  1:35:00 PM

Credit

Credit Documentation

Missing Document: Credit Report not provided

Reviewer Comment (2020-12-07): Credit Report provided Buyer Comment (2020-12-04): reattached Reviewer Comment (2020-12-04): Credit report was not included in uploaded Trailing Docs, Please resubmit. Buyer Comment (2020-12-04): see attached credit report

Reviewer Comment (2020-12-07): Credit Report provided Reviewer Comment (2020-12-04): Credit report was not included in uploaded Trailing Docs, Please resubmit.

Cleared

12/07/2020

N

3

1

D

A

D

A

D

A

D

A

D

A

302272889

20318172

xxxx  1:35:10 PM

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2020-12-08): Cleared - client provided a CR with the subject mtg (xxxx/90001) opened 12/2018 and rated for 18 months through 09/2020.  Payoff Statement dated xxxxdentifying next due of xxxx And a VOM from the previous mortgage rated 0x30 (xxxx - xxxx). Buyer Comment (2020-12-07): see attached seller comment > borrower had prior mortgage on current home from 9/17 to 12/18.  See attached VOM, note and payoff statement.  Loan was refinanced and paid off with the xxxx #9360592290001 loan starting 12/18 to present.  (see credit report) Reviewer Comment (2020-12-07): Only 18 months provided on credit report. 24 months is required.

Reviewer Comment (2020-12-08): Cleared - client provided a CR with the subject mtg (xxxx/90001) opened 12/2018 and rated for 18 months through 09/2020.  Payoff Statement dated xxxxdentifying next due of xxxx And a VOM from the previous mortgage rated 0x30 (xxxx - xxxx). Reviewer Comment (2020-12-07): Only 18 months provided on credit report. 24 months is required.

Cleared

12/08/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272889

20318174

xxxx  1:48:37 PM

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2020-12-09): VVOE with dates provided pre-close Buyer Comment (2020-12-09): See attached Reviewer Comment (2020-12-04): The employment verification provided for the Primary Job is dated post close and cannot be considered. A pre-close VVOE dated within 5 days prior to the Note date is required. Buyer Comment (2020-12-03): see attached VOE seller comment > Hello, Per the 1003 the borrower has been employed for five years. The 2018 and 2019 W2 transcripts were included in the file. Please advise.

Reviewer Comment (2020-12-09): VVOE with dates provided pre-close Reviewer Comment (2020-12-04): The employment verification provided for the Primary Job is dated post close and cannot be considered. A pre-close VVOE dated within 5 days prior to the Note date is required.

Cleared

12/09/2020

N

2

1

B

A

B

A

B

A

B

A

B

A

302272889

20318175

xxxx  1:48:37 PM

Compliance

State Compliance

Illinois SB 1894

IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.

Reviewer Comment (2020-12-09): Cert provided Buyer Comment (2020-12-09): See attached IL anti predatory lending cert

Reviewer Comment (2020-12-09): Cert provided

Cleared

12/09/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272889

20318176

xxxx  1:48:37 PM

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2020-12-04): xxxx received 11/05 CD signed 11/06. Buyer Comment (2020-12-03): see attached

Reviewer Comment (2020-12-04): xxxx received 11/05 CD signed 11/06.

Cleared

12/04/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272889

20318177

xxxx  1:50:15 PM

Credit

Application / Processing

FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.

Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING Disaster Declaration Date: xxxx Disaster End Date:  xxxx

Reviewer Comment (2020-12-07): Appraisal provided. Completed after disaster end date. Buyer Comment (2020-12-04): reattached Reviewer Comment (2020-12-04): CDA and Appraisal were not included in uploaded Trailing Docs. Please resubmit. Buyer Comment (2020-12-04): see attached

Reviewer Comment (2020-12-07): Appraisal provided. Completed after disaster end date. Reviewer Comment (2020-12-04): CDA and Appraisal were not included in uploaded Trailing Docs. Please resubmit.

Cleared

12/07/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272889

20318179

xxxx  1:52:06 PM

Credit

Application / Processing

Missing Document: Cell Phone Consent not provided

Reviewer Comment (2020-12-07): Borrower Contact Sheet provided Buyer Comment (2020-12-04): reattached Reviewer Comment (2020-12-04): Cell Phone Consent was not included in uploaded Trailing Docs, Please resubmit. Buyer Comment (2020-12-04): see attached

Reviewer Comment (2020-12-07): Borrower Contact Sheet provided Reviewer Comment (2020-12-04): Cell Phone Consent was not included in uploaded Trailing Docs, Please resubmit.

Cleared

12/07/2020

N

2

1

B

A

B

A

B

A

B

A

B

A

302272889

20318180

xxxx  1:52:18 PM

Credit

Application / Processing

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

Reviewer Comment (2020-12-04): 1008 provided Buyer Comment (2020-12-03): see attached 1008

Reviewer Comment (2020-12-04): 1008 provided

Cleared

12/04/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272889

20318183

xxxx  1:52:57 PM

Credit

Application / Processing

Missing Document: Approval not provided

Reviewer Comment (2020-12-04): 1008 w/ UW name provided Buyer Comment (2020-12-03): seller comment > Please clarify what Approval is missing

Reviewer Comment (2020-12-04): 1008 w/ UW name provided

Cleared

12/04/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272889

20318186

xxxx  2:03:23 PM

Property

Appraisal Documentation

Loan is to be securitized.  Appraisal is missing.; Sec ID: 1

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2020-12-07): Appraisal and CDA provided Buyer Comment (2020-12-04): reattached Reviewer Comment (2020-12-04): CDA and Appraisal were not included in uploaded Trailing Docs, Please resubmit. Buyer Comment (2020-12-04): see attached Appraisal and CDA

Reviewer Comment (2020-12-07): Appraisal and CDA provided Reviewer Comment (2020-12-04): CDA and Appraisal were not included in uploaded Trailing Docs, Please resubmit.

Cleared

12/07/2020

N

3

1

D

A

D

A

D

A

D

A

D

A

302272889

20318188

xxxx  2:03:43 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1084 or income worksheet, VVOE - Employment Only

Reviewer Comment (2020-12-09): VVOE provided Buyer Comment (2020-12-09): See attached Reviewer Comment (2020-12-04): 1) xxxx provided is dated > 5 days from closing and is dated post close 2) Income worksheet provided Buyer Comment (2020-12-03): see attached

Reviewer Comment (2020-12-09): VVOE provided Reviewer Comment (2020-12-04): 1) xxxx provided is dated > 5 days from closing and is dated post close 2) Income worksheet provided

Cleared

12/09/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272889

20318200

xxxx  2:12:20 PM

Credit

Insurance Analysis

Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.

Reviewer Comment (2020-12-09): HOI provided Buyer Comment (2020-12-09): see attached HOI

Reviewer Comment (2020-12-09): HOI provided

Cleared

12/09/2020

N

2

1

B

A

B

A

B

A

B

A

B

A

302272889

20318203

xxxx  2:21:07 PM

Credit

Credit Calculation / Analysis

Guideline Requirement: Representative FICO score discrepancy.

Representative FICO score of  is less than Guideline representative FICO score of 700.

Reviewer Comment (2020-12-07): Credit report provided Buyer Comment (2020-12-04): reattached Reviewer Comment (2020-12-04): Credit report was not included in uploaded Trailing Docs, Please resubmit. Buyer Comment (2020-12-04): see attached Credit Report

Reviewer Comment (2020-12-07): Credit report provided Reviewer Comment (2020-12-04): Credit report was not included in uploaded Trailing Docs, Please resubmit.

Cleared

12/07/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272889

20318206

xxxx  12:01:14 PM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2020-12-15): The client elects to waive with comp factors Buyer Comment (2020-12-14): see granted exception Reviewer Comment (2020-12-07): Gap report is dated post close and > 10 days from Note and therefore cannot be considered. A gap credit report dated within 10 days prior to closing is required. Buyer Comment (2020-12-04): reattached Reviewer Comment (2020-12-04): Credit report was not included in uploaded Trailing Docs, Please resubmit. Buyer Comment (2020-12-04): see attached

Reviewer Comment (2020-12-15): The client elects to waive with comp factors Reviewer Comment (2020-12-07): Gap report is dated post close and > 10 days from Note and therefore cannot be considered. A gap credit report dated within 10 days prior to closing is required. Reviewer Comment (2020-12-04): Credit report was not included in uploaded Trailing Docs, Please resubmit.

The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302272889

20318207

xxxx  1:24:05 PM

Credit

Income Documentation

Income Docs Missing:

Reviewer Comment (2020-12-09): 2 yrs 1040's provided Buyer Comment (2020-12-09): See attached signed 1040's Reviewer Comment (2020-12-04): 2 yrs tax transcripts provided. Guidelines require 2 years signed and dated 1040's as well. Buyer Comment (2020-12-03): see attached tax transcripts

Reviewer Comment (2020-12-09): 2 yrs 1040's provided Reviewer Comment (2020-12-04): 2 yrs tax transcripts provided. Guidelines require 2 years signed and dated 1040's as well.

Cleared

12/09/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272889

20318210

xxxx  1:41:09 PM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2020-12-09): Supplement provided removing lien. Buyer Comment (2020-12-09): see attached seller comment > lien deleted

Reviewer Comment (2020-12-09): Supplement provided removing lien.

Cleared

12/09/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272889

20318211

12/07/2020

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2020-12-09): Confirmation of receipt of appraisal provided Buyer Comment (2020-12-09): see attached

Reviewer Comment (2020-12-09): Confirmation of receipt of appraisal provided

Cleared

12/09/2020

N

2

1

A

A

A

A

A

302457749

20318097

01/04/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1084 or income worksheet, Transcripts (2018), Transcripts (2019), VVOE - Employment Only

Reviewer Comment (2021-02-08): Client elects to waive with verified compensation factors Buyer Comment (2021-02-05): see granted exception Reviewer Comment (2021-02-02): W2 transcripts provided were already in file at time of review. Loan was UW to 10/7/2020 guidelines which require tax transcripts to be in the loan file. Buyer Comment (2021-02-02): see attached Reviewer Comment (2021-01-22): Income worksheet and Pre-close VVOE's dated within 5 days prior to closing provided. Pending receipt of 2 years tax transcripts. Buyer Comment (2021-01-22): see attached seller comment > Current VVOE's uploaded for both applicants as requested xxxxEach borrower has 2 sets (xxxxnd xxxxbecause they had less than two years on their current jobs. The processor had completed them xxxxone VVOE's prior to requesting docs and our closing team we completed the other two xxxxrior to funding the loan. The question of whether or not they are employed, the dates of employment and any gaps has been addressed.  This is all we have. Please let us know if this will require an exception. Working to gather transcripts. Delayed due to COVID Reviewer Comment (2021-01-14): Received income worksheets for both borrowers and job gap LOE's for both borrowers (B1 job gap LOE in file at time of review). Pending receipt of 2 years tax transcripts and VVOE dated within 5 days prior to Note date. Buyer Comment (2021-01-14): see attached seller comment > Income worksheet and 1008 uploaded. Pursuing 2018/2019 tax transcripts.

Reviewer Comment (2021-02-08): Client elects to waive with verified compensation factors Reviewer Comment (2021-02-02): W2 transcripts provided were already in file at time of review. Loan was UW to 10/7/2020 guidelines which require tax transcripts to be in the loan file. Reviewer Comment (2021-01-22): Income worksheet and Pre-close VVOE's dated within 5 days prior to closing provided. Pending receipt of 2 years tax transcripts. Reviewer Comment (2021-01-14): Received income worksheets for both borrowers and job gap LOE's for both borrowers (B1 job gap LOE in file at time of review). Pending receipt of 2 years tax transcripts and VVOE dated within 5 days prior to Note date.

The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302457749

20318100

01/04/2021

Credit

Miscellaneous

The verification of employment was not obtained within 10 days of the note date.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-22): Pre close VVOE dated within 5 days prior to closing provided Buyer Comment (2021-01-22): see attached Current VVOE's uploaded for both applicants as requested xxxxEach borrower has 2 sets (xxxxnd xxxxbecause they had less than two years on their current jobs. The processor had completed them xxxxone VVOE's prior to requesting docs and our closing team we completed the other two xxxxrior to funding the loan. The question of whether or not they are employed, the dates of employment and any gaps has been addressed.  This is all we have. Please let us know if this will require an exception. Reviewer Comment (2021-01-15): xxxx provided is for xxxx previous employment. Condition is referencing current employment for both borrower's. VVOE in file needs t o be provided 5 days prior to closing and contain employment start dates and whether borrowers are currently still employed. Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-22): Pre close VVOE dated within 5 days prior to closing provided Reviewer Comment (2021-01-15): xxxx provided is for xxxx previous employment. Condition is referencing current employment for both borrower's. VVOE in file needs t o be provided 5 days prior to closing and contain employment start dates and whether borrowers are currently still employed.

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457749

20318101

01/04/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-14): Job gap LOE's provided. See new generated condition

Reviewer Comment (2021-01-14): Job gap LOE's provided. See new generated condition

Cleared

01/14/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302457749

20318107

01/04/2021

Compliance

Federal Compliance

RESPA Disclosure - List of Homeownership Counseling Organizations Missing

RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.

Reviewer Comment (2021-01-15): Disclosure provided Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-15): Disclosure provided

Cleared

01/15/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302457749

20318114

01/04/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-01-14): Job gap LOE's provided. See new generated condition Buyer Comment (2021-01-14): see attached seller comment > UW did not require school transcripts. Letters of explanation were use to explain the gap.  Income is supported for the past 2 years with tax returns and W2s. Both applicants are salaried, with great income and annual salary noted on paystub. We conditioned for LOE and VVOE to show back at work as 1003 states for 1 yr. Borrower explained being out of work from Mar 2019 to Aug 2019 to focus on new skills through self learning, no transcripts to obtain for self learning and has been back on the job for over a year. xxxx would find income supported. Co-Borrower was out of work per her letter for 1 month, therefore not an issue and no transcripts to obtain. Please review.

Reviewer Comment (2021-01-14): Job gap LOE's provided. See new generated condition

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457749

20318118

01/04/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-01-15): Previous employment VVOE provided for B1 with employment start/end dates. Buyer Comment (2021-01-15): see attached VVOE's

Reviewer Comment (2021-01-15): Previous employment VVOE provided for B1 with employment start/end dates.

Cleared

01/15/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302457749

20318121

01/04/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-01-29): xxxx received Initial CD issued 11-18-20 Buyer Comment (2021-01-27): see attached seller comment > CD dated 11/18 and e-signed by the borrowers on 11/18. This was more than three days in advance of closing.

Reviewer Comment (2021-01-29): xxxx received Initial CD issued 11-18-20

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457749

20318134

01/04/2021

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-22): Preclose VVOE's provided for current and prior employments Buyer Comment (2021-01-22): see attached seller comment > Current VVOE's uploaded for both applicants as requested xxxxEach borrower has 2 sets (xxxxnd xxxxbecause they had less than two years on their current jobs. The processor had completed them xxxxone VVOE's prior to requesting docs and our closing team we completed the other two xxxxrior to funding the loan. The question of whether or not they are employed, the dates of employment and any gaps has been addressed.  This is all we have. Please let us know if this will require an exception. Reviewer Comment (2021-01-19): This loan was underwritten to investor's QM guidelines. FNMA guidelines would not apply to QM/Appendix Q nor investor guidelines. Appendix Q and investor guidelines requirement this documentation. Pending receipt of: xxxx provided is for xxxx previous employment. Condition is referencing current employment for both borrower's. VVOE in file needs t o be provided 5 days prior to closing and contain employment start dates and whether borrowers are currently still employed. Buyer Comment (2021-01-19): seller comment > did not require transcripts. UW required explanation. Income is supported for the past 2 years with tax returns and W2s, not to mention, both are salaried, great income and yearly salary noted on paystub. UW conditioned for LOE and VVOE to show back at work as 1003 states for 1 yr. Bor explained being out of work from Mar 2019 to Aug 2019 to focus on new skills through self learning, no transcripts to obtain for self learning and has been back on the job for over a year. xxxx would find income supported. Co Bor was out of work per her letter for 1 month, therefore not an issue and no transcripts to obtain. Reviewer Comment (2021-01-15): xxxx provided is for xxxx previous employment. Condition is referencing current employment for both borrower's. VVOE in file needs t o be provided 5 days prior to closing and contain employment start dates and whether borrowers are currently still employed. Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-22): Preclose VVOE's provided for current and prior employments Reviewer Comment (2021-01-19): This loan was underwritten to investor's QM guidelines. FNMA guidelines would not apply to QM/Appendix Q nor investor guidelines. Appendix Q and investor guidelines requirement this documentation. Pending receipt of: xxxx provided is for xxxx previous employment. Condition is referencing current employment for both borrower's. VVOE in file needs t o be provided 5 days prior to closing and contain employment start dates and whether borrowers are currently still employed. Reviewer Comment (2021-01-15): xxxx provided is for xxxx previous employment. Condition is referencing current employment for both borrower's. VVOE in file needs t o be provided 5 days prior to closing and contain employment start dates and whether borrowers are currently still employed.

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457749

20318136

01/04/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-15): xxxx was provided for B1's previous employment with start and end dates. Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-15): xxxx was provided for B1's previous employment with start and end dates.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457749

20318137

01/05/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-08): Client elects to waive with verified compensation factors Buyer Comment (2021-02-05): see granted exception Reviewer Comment (2021-01-07): New scored credit report provided dated 1/7/2021 which is not within 10 days prior to closing. Condition remains. Buyer Comment (2021-01-07): see attached

Reviewer Comment (2021-02-08): Client elects to waive with verified compensation factors Reviewer Comment (2021-01-07): New scored credit report provided dated 1/7/2021 which is not within 10 days prior to closing. Condition remains.

The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302457749

20318138

01/05/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-07): Occupancy Affidavit provided Buyer Comment (2021-01-07): see attached

Reviewer Comment (2021-01-07): Occupancy Affidavit provided

Cleared

01/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457749

20318139

01/05/2021

Credit

Application / Processing

Missing Valuation:

Reviewer Comment (2021-01-06): Color appraisal provided Buyer Comment (2021-01-06): see attached

Reviewer Comment (2021-01-06): Color appraisal provided

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457749

20318140

01/05/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-01-22): Preclose VVOE's provided dated within 5 days prior to closing Buyer Comment (2021-01-22): see attached seller comment > Current VVOE's uploaded for both applicants as requested xxxxEach borrower has 2 sets (xxxxnd xxxxbecause they had less than two years on their current jobs. The processor had completed them xxxxone VVOE's prior to requesting docs and our closing team we completed the other two xxxxrior to funding the loan. The question of whether or not they are employed, the dates of employment and any gaps has been addressed.  This is all we have. Please let us know if this will require an exception. Reviewer Comment (2021-01-15): xxxx provided is for xxxx previous employment. Condition is referencing current employment for both borrower's. VVOE in file needs t o be provided 5 days prior to closing and contain employment start dates and whether borrowers are currently still employed. Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-22): Preclose VVOE's provided dated within 5 days prior to closing Reviewer Comment (2021-01-15): xxxx provided is for xxxx previous employment. Condition is referencing current employment for both borrower's. VVOE in file needs t o be provided 5 days prior to closing and contain employment start dates and whether borrowers are currently still employed.

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457749

20318141

01/14/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-01-22): Pre close VVOE provided within 5 days prior to closing Buyer Comment (2021-01-22): see docs attached to other conditions Reviewer Comment (2021-01-20): The VVOE provided for B2 in file does not state if borrower is still employed and is dated post close. This is an Appendix Q requirement and does not meet the requirement. Buyer Comment (2021-01-20): Seller comment:  The VVOE's supplied after the condition was set are for the current and prior employment of Borrower 2. xxxx date of employment clearly shows xxxxhru xxxxGap was explained in LOX already cleared. Currently working for xxxx xxxxo current date as of xxxxNote: The VVOE was completed on xxxxhe date of funding, but this was done prior to wiring the funds. This should suffice and constitute within 5 days prior to closing. Reviewer Comment (2021-01-15): xxxx provided is for xxxx previous employment. Condition is referencing current employment and previous employment for B2.  Current job VVOE must be within 5 days prior to note date and include start dates and if borrower is still employed and required for previous employment with start and end dates. Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-22): Pre close VVOE provided within 5 days prior to closing Reviewer Comment (2021-01-20): The VVOE provided for B2 in file does not state if borrower is still employed and is dated post close. This is an Appendix Q requirement and does not meet the requirement. Reviewer Comment (2021-01-15): xxxx provided is for xxxx previous employment. Condition is referencing current employment and previous employment for B2.  Current job VVOE must be within 5 days prior to note date and include start dates and if borrower is still employed and required for previous employment with start and end dates.

Cleared

01/22/2021

N

2

1

A

A

A

A

A

302272873

20318214

xxxx  9:48:03 AM

Credit

Credit Eligibility

Public Record Issue:

Credit Report: Original // Public Record Type: Charge-offs / Balance: 18512.00

Reviewer Comment (2020-12-11): Client elects to waive with verified compensation factors Buyer Comment (2020-12-11): reattached exception Reviewer Comment (2020-12-10): xxxx to confirm if condition is being waived based on system comp factors. Previous comments state see attached exception but unclear if this is from xxxx or Seller as nothing was attached. Buyer Comment (2020-12-10): see attached exception Reviewer Comment (2020-12-03): Client provided a "Forgery/Identity Theft Supplemental" and an "XXXX Police Dept Investigative Report"; however neither document identifies the charged off acct (#7641).  Exception remains. Buyer Comment (2020-12-02): see attached

Reviewer Comment (2020-12-11): Client elects to waive with verified compensation factors Reviewer Comment (2020-12-10): xxxx to confirm if condition is being waived based on system comp factors. Previous comments state see attached exception but unclear if this is from xxxx or Seller as nothing was attached. Reviewer Comment (2020-12-03): Client provided a "Forgery/Identity Theft Supplemental" and an "XXXX Police Dept Investigative Report"; however neither document identifies the charged off acct (#7641).  Exception remains.

The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has verified disposable income of at least $2500.00.

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302272873

20318215

xxxx  11:58:10 AM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1084 or income worksheet

Reviewer Comment (2020-12-03): Cleared - client provided an Income Calculation Worksheet. Buyer Comment (2020-12-02): see attached Income Worksheet

Reviewer Comment (2020-12-03): Cleared - client provided an Income Calculation Worksheet.

Cleared

12/03/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272873

20318216

xxxx  1:28:51 PM

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-01-06): Client elects to waive with verified compensation factors Buyer Comment (2021-01-06): see attached exception Reviewer Comment (2021-01-05): VOR's provided are from private party/non-institutional parties. Cancelled checks will be required. Buyer Comment (2021-01-05): reattached Reviewer Comment (2021-01-05): Last upload was 12/11. Please try again. Buyer Comment (2021-01-05): See attached VOR's

Reviewer Comment (2021-01-06): Client elects to waive with verified compensation factors Reviewer Comment (2021-01-05): VOR's provided are from private party/non-institutional parties. Cancelled checks will be required. Reviewer Comment (2021-01-05): Last upload was 12/11. Please try again.

The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has verified disposable income of at least $2500.00.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302272873

20318217

xxxx  1:36:54 PM

Credit

Credit Calculation / Analysis

Guideline Issue:  Insufficient tradelines per credit guidelines

Reviewer Comment (2020-12-07): Cleared - client provided a Credit Supplement identifying DSNB (0165) rated for 99 months was transferred to DSNB/7901 (combined rating = 107 months). Buyer Comment (2020-12-07): see attached supplemental report

Reviewer Comment (2020-12-07): Cleared - client provided a Credit Supplement identifying DSNB (0165) rated for 99 months was transferred to DSNB/7901 (combined rating = 107 months).

Cleared

12/07/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302272873

20318220

xxxx  1:52:14 PM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-07): Client elects to waive with verified compensation factors Buyer Comment (2021-01-07): see granted exception Reviewer Comment (2021-01-06): The exception does not cover this condition. Buyer Comment (2021-01-06): see granted exception

Reviewer Comment (2021-01-07): Client elects to waive with verified compensation factors Reviewer Comment (2021-01-06): The exception does not cover this condition.

The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has verified disposable income of at least $2500.00.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302332622

20318098

xxxx  1:03:09 PM

Credit

Application / Processing

Missing Document: Cell Phone Consent not provided

Reviewer Comment (2020-12-29): A Consent Form was provided Buyer Comment (2020-12-29): See attached contact consent form

Reviewer Comment (2020-12-29): A Consent Form was provided

Cleared

xxxx  2:50:04 PM

N

2

1

B

A

B

A

B

A

B

A

B

A

302332622

20318103

xxxx  1:03:25 PM

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2020-12-28): 12 months of canceled checks were provided Buyer Comment (2020-12-26): See attached canceled rent checks

Reviewer Comment (2020-12-28): 12 months of canceled checks were provided

Cleared

xxxx  9:26:59 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302332622

20318106

xxxx  1:59:43 PM

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2020-12-28): CDA was provided Buyer Comment (2020-12-26): See attached CDA

Reviewer Comment (2020-12-28): CDA was provided

Cleared

xxxx  9:38:30 AM

N

3

1

D

A

D

A

D

A

D

A

D

A

302332622

20318113

xxxx  2:16:43 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2020-12-28): xxxx received complete final CD, exception is cleared. Buyer Comment (2020-12-26): See attached

Reviewer Comment (2020-12-28): xxxx received complete final CD, exception is cleared.

Cleared

xxxx  12:54:10 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302332622

20318117

xxxx  2:16:43 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Partial Payments

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xxxx)

Reviewer Comment (2020-12-28): xxxx received complete CD, exception cleared. Buyer Comment (2020-12-26): See attached

Reviewer Comment (2020-12-28): xxxx received complete CD, exception cleared.

Cleared

xxxx  12:34:27 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302332622

20318122

xxxx  2:16:43 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose Estimated Property Costs over Year 1. (Final/xxxx)

Reviewer Comment (2020-12-28): xxxx received complete final CD, exception is cleared. Buyer Comment (2020-12-26): See attached

Reviewer Comment (2020-12-28): xxxx received complete final CD, exception is cleared.

Cleared

xxxx  12:54:10 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302332622

20318124

xxxx  2:16:43 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Have Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2020-12-28): xxxx received complete final CD, exception is cleared. Buyer Comment (2020-12-26): See attached

Reviewer Comment (2020-12-28): xxxx received complete final CD, exception is cleared.

Cleared

xxxx  12:54:10 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302332622

20318129

xxxx  8:26:42 AM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2020-12-28): Gap report was provided Buyer Comment (2020-12-26): See attached gap report

Reviewer Comment (2020-12-28): Gap report was provided

Cleared

xxxx  9:39:10 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302332622

20318133

xxxx  12:57:23 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx Business Return Transcripts (2018), Business Return Transcripts (2019) Business Return Transcripts (2018), Business Return Transcripts (2019)

Reviewer Comment (2020-12-28): VVOE and business transcripts were provided Buyer Comment (2020-12-26): updated VOE prior to closing and 2019/2018 business transcripts uploaded

Reviewer Comment (2020-12-28): VVOE and business transcripts were provided

Cleared

xxxx  9:40:06 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302332622

20318135

xxxx  9:45:38 AM

Credit

General

Valuation address does not match Note address.

Valuation Type: Desk Review / Valuation Report Date: xxxx

Reviewer Comment (2020-12-29): A corrected CDA was provided Buyer Comment (2020-12-29): See attached corrected CDA address

Reviewer Comment (2020-12-29): A corrected CDA was provided

Cleared

xxxx  2:49:23 PM

N

3

1

A

A

A

A

A

302332619

20318128

xxxx  9:50:37 AM

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx, Financial Institution: xxxx // Account Type: Savings / Account Number: xxxx

Reviewer Comment (2020-12-03): Received updated statements, completed 2 months. Buyer Comment (2020-12-02): see attached 2 months bank statements for xxxx and 20108/2019 tax transcripts Buyer Comment (2020-12-02): see attached documents

Reviewer Comment (2020-12-03): Received updated statements, completed 2 months.

Cleared

12/03/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302332619

20318130

xxxx  10:07:44 AM

Credit

Credit Documentation

Insufficient Verification of Rental History.

Reviewer Comment (2020-12-03): Received additional bank debits for rent, from 5/2020 to 12/2020. Buyer Comment (2020-12-03): see attached

Reviewer Comment (2020-12-03): Received additional bank debits for rent, from 5/2020 to 12/2020.

Cleared

12/03/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302332619

20318132

xxxx  10:21:39 AM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx 1040 (2018), 1040 (2019), Transcripts (2018), Transcripts (2019) 1040 (2018), 1040 (2019), Transcripts (2018), Transcripts (2019)

Reviewer Comment (2020-12-03): Received 1040's and IRS Transcripts Buyer Comment (2020-12-02): see tax returns

Reviewer Comment (2020-12-03): Received 1040's and IRS Transcripts

Cleared

12/03/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302332619

20318143

xxxx  1:37:33 PM

Credit

General

Missing Document: Cancelled Check(s) not provided

Reviewer Comment (2020-12-03): Received additional bank debits for rent, from 5/2020 to 12/2020. Buyer Comment (2020-12-03): see rental proof attached to 19124706

Reviewer Comment (2020-12-03): Received additional bank debits for rent, from 5/2020 to 12/2020.

Cleared

12/03/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302332619

20318145

xxxx  1:37:54 PM

Credit

General

Incomplete Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) is incomplete

Reviewer Comment (2020-12-03): Received additional bank debits for rent, from 5/2020 to 12/2020. Buyer Comment (2020-12-03): see attached

Reviewer Comment (2020-12-03): Received additional bank debits for rent, from 5/2020 to 12/2020.

Cleared

12/03/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302332619

20318147

xxxx  1:39:22 PM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2020-12-04): Client elects to waive with verified compensation factors Buyer Comment (2020-12-04): see updated comp factors Reviewer Comment (2020-12-04): Comp factor to be revised. Minimum 700 FICO has a max of 80% for purchase. Loan LTV is at 75%. Increasing credit score to 720 to allow a max of 85% LTV, then the credit score comp factor will be invalid. Buyer Comment (2020-12-03): see granted exception

Reviewer Comment (2020-12-04): Client elects to waive with verified compensation factors Reviewer Comment (2020-12-04): Comp factor to be revised. Minimum 700 FICO has a max of 80% for purchase. Loan LTV is at 75%. Increasing credit score to 720 to allow a max of 85% LTV, then the credit score comp factor will be invalid.

The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302488389

20318151

xxxx  9:15:57 AM

Compliance

Federal Compliance

RESPA Disclosure - List of Homeownership Counseling Organizations Missing

RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.

Reviewer Comment (2021-01-07): Disclosure provided Buyer Comment (2021-01-07): see attached seller comment > This was sent to the borrowers along with the initial disclosures - I pulled the list from the packet - uploaded is the list along with the acknowledgement it was received. Reviewer Comment (2021-01-06): There is no borrower's name or loan identification on disclosure provided nor evidence this was sent to the borrowers. Buyer Comment (2021-01-06): see attached

Reviewer Comment (2021-01-07): Disclosure provided Reviewer Comment (2021-01-06): There is no borrower's name or loan identification on disclosure provided nor evidence this was sent to the borrowers.

Cleared

01/07/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302488389

20318152

xxxx  9:15:57 AM

Compliance

Federal Compliance

TRID Final Closing Disclosure Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-01-11): xxxx received final CD with completed page 4. Buyer Comment (2021-01-06): see attached CD

Reviewer Comment (2021-01-11): xxxx received final CD with completed page 4.

Cleared

01/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302488389

20318153

xxxx  9:15:57 AM

Compliance

Federal Compliance

TRID Final Closing Disclosure Partial Payments

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xxxx)

Reviewer Comment (2021-01-11): xxxx received final CD with completed page 4. Buyer Comment (2021-01-06): see cd attached to condition 19380599

Reviewer Comment (2021-01-11): xxxx received final CD with completed page 4.

Cleared

01/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302488389

20318154

xxxx  9:15:57 AM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose Estimated Property Costs over Year 1. (Final/xxxx)

Reviewer Comment (2021-01-11): xxxx received final CD with completed page 4. Buyer Comment (2021-01-06): see cd attached to condition 19380599

Reviewer Comment (2021-01-11): xxxx received final CD with completed page 4.

Cleared

01/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302488389

20318155

xxxx  9:16:15 AM

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Have Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-01-11): xxxx received final CD with completed page 4. Buyer Comment (2021-01-06): see cd attached to condition 19380599

Reviewer Comment (2021-01-11): xxxx received final CD with completed page 4.

Cleared

01/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302488389

20318157

xxxx  10:39:54 AM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx 1084 or income worksheet 1084 or income worksheet

Reviewer Comment (2021-01-06): Income worksheets provided Buyer Comment (2021-01-06): see attached income worksheet

Reviewer Comment (2021-01-06): Income worksheets provided

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332591

20318111

xxxx  1:13:03 PM

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2020-12-21): Updated policy provided Buyer Comment (2020-12-21): see attached

Reviewer Comment (2020-12-21): Updated policy provided

Cleared

xxxx  4:47:28 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302332591

20318119

xxxx  1:24:38 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $9,150.00 exceeds tolerance of $9,075.00.  Insufficient or no cure was provided to the borrower. (73109)

Reviewer Comment (2020-12-24): xxxx received changed circumstance. Buyer Comment (2020-12-21): see attached COC

Reviewer Comment (2020-12-24): xxxx received changed circumstance.

Cleared

xxxx  7:44:59 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302332582

20318235

xxxx  12:12:10 PM

Compliance

Federal Compliance

Overtime Bonus Declining

Qualified Mortgage (Dodd-Frank 2014): Use of continual decline in income for Overtime/Bonus not justified or documented. (xxxx/Bonus)

Reviewer Comment (2021-01-20): Revised 1008/1003 provided removing bonus income. Buyer Comment (2021-01-20): Seller comment:  Removed bonus income for xxxx, DTI 40.28%. See attached revised 1003 and 1008. Reviewer Comment (2021-01-13): Justification from lender regarding declining income was not provided. They noted the discrepancy between the WVOE and xxxx, however the WVOE reflects the bonus income is declining. Provide justification for usage. Buyer Comment (2021-01-13): see attached Reviewer Comment (2021-01-08): There is a big discrepancy between xxxx and the WVOE physically completed by the employer. We would need those discrepancies addressed. Further xxxx does not break down 2 full years of Bonus income.

Reviewer Comment (2021-01-20): Revised 1008/1003 provided removing bonus income. Reviewer Comment (2021-01-13): Justification from lender regarding declining income was not provided. They noted the discrepancy between the WVOE and xxxx, however the WVOE reflects the bonus income is declining. Provide justification for usage. Reviewer Comment (2021-01-08): There is a big discrepancy between xxxx and the WVOE physically completed by the employer. We would need those discrepancies addressed. Further xxxx does not break down 2 full years of Bonus income.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332582

20318237

xxxx  12:13:25 PM

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 44.33754% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-01-14): Renal income from 3 properties added. See updated condition. DTI no longer an issue with rental income. Reviewer Comment (2021-01-13): Before Rental income can be utilized, the following is required. 1) Revised 1003 reflects Rental income is being utilized on the REO property on xxxx, however no lease agreements were provided. 2) New lease and month  to month leases for properties on xxxx and xxxx require recent receipt of rent to support same tenant per guidelines 3) Borrower LOE required as to why properties are not reporting on Schedule E of tax returns. Properties were rented back in 2018. Buyer Comment (2021-01-13): see attached

Reviewer Comment (2021-01-14): Renal income from 3 properties added. See updated condition. DTI no longer an issue with rental income. Reviewer Comment (2021-01-13): Before Rental income can be utilized, the following is required. 1) Revised 1003 reflects Rental income is being utilized on the REO property on xxxx, however no lease agreements were provided. 2) New lease and month  to month leases for properties on xxxx and xxxx require recent receipt of rent to support same tenant per guidelines 3) Borrower LOE required as to why properties are not reporting on Schedule E of tax returns. Properties were rented back in 2018.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332582

20318241

xxxx  12:13:25 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-01-20): Revised 1008/1003 provided removing bonus income. Buyer Comment (2021-01-20): Seller comment:  Removed bonus income for xxxx, DTI 40.28%. See attached revised 1003 and 1008. Reviewer Comment (2021-01-13): Justification from lender regarding declining income was not provided. They noted the discrepancy between the WVOE and xxxx, however the WVOE reflects the bonus income is declining. Provide justification for usage. Buyer Comment (2021-01-13): see attached Reviewer Comment (2021-01-08): There is a big discrepancy between xxxx and the WVOE physically completed by the employer. We would need those discrepancies addressed. Further xxxx does not break down 2 full years of Bonus income. Reviewer Comment (2021-01-04): Seller submitted 1008/1003 which was in file at time of review and does not clear this condition. B1 qualifying income at audit is $xxxx. Bonus income is declining each year, therefore 2 year qual is not allowed. An exception will be required. Buyer Comment (2021-01-04): see docs attached to 19362028

Reviewer Comment (2021-01-20): Revised 1008/1003 provided removing bonus income. Reviewer Comment (2021-01-13): Justification from lender regarding declining income was not provided. They noted the discrepancy between the WVOE and xxxx, however the WVOE reflects the bonus income is declining. Provide justification for usage. Reviewer Comment (2021-01-08): There is a big discrepancy between xxxx and the WVOE physically completed by the employer. We would need those discrepancies addressed. Further xxxx does not break down 2 full years of Bonus income. Reviewer Comment (2021-01-04): Seller submitted 1008/1003 which was in file at time of review and does not clear this condition. B1 qualifying income at audit is $xxxx. Bonus income is declining each year, therefore 2 year qual is not allowed. An exception will be required.

Cleared

01/20/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302332582

20318247

xxxx  12:14:27 PM

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-01-14): Renal income from 3 properties added. See updated condition. DTI no longer an issue with rental income. Buyer Comment (2021-01-14): see attached lease agreements on xxxx Reviewer Comment (2021-01-13): Before Rental income can be utilized, the following is required. 1) Revised 1003 reflects Rental income is being utilized on the REO property on xxxx, however no lease agreements were provided. 2) New lease and month  to month leases for properties on xxxx and xxxx require recent receipt of rent to support same tenant per guidelines 3) Borrower LOE required as to why properties are not reporting on Schedule E of tax returns. Properties were rented back in 2018. Buyer Comment (2021-01-13): see attached

Reviewer Comment (2021-01-14): Renal income from 3 properties added. See updated condition. DTI no longer an issue with rental income. Reviewer Comment (2021-01-13): Before Rental income can be utilized, the following is required. 1) Revised 1003 reflects Rental income is being utilized on the REO property on xxxx, however no lease agreements were provided. 2) New lease and month  to month leases for properties on xxxx and xxxx require recent receipt of rent to support same tenant per guidelines 3) Borrower LOE required as to why properties are not reporting on Schedule E of tax returns. Properties were rented back in 2018.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332582

20318249

xxxx  12:20:53 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 44.33754% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-01-14): Renal income from 3 properties added. See updated condition. DTI no longer an issue with rental income. Reviewer Comment (2021-01-14): Please only upload the documents requested. See comments on 1/13 for outstanding documents. Further, only the bedbug addendum for xxxx was uploaded. Buyer Comment (2021-01-14): see attached Reviewer Comment (2021-01-13): Before Rental income can be utilized, the following is required. 1) Revised 1003 reflects Rental income is being utilized on the REO property on xxxx, however no lease agreements were provided. 2) New lease and month  to month leases for properties on xxxx and xxxx require recent receipt of rent to support same tenant per guidelines 3) Borrower LOE required as to why properties are not reporting on Schedule E of tax returns. Properties were rented back in 2018. Buyer Comment (2021-01-13): see attached

Reviewer Comment (2021-01-14): Renal income from 3 properties added. See updated condition. DTI no longer an issue with rental income. Reviewer Comment (2021-01-14): Please only upload the documents requested. See comments on 1/13 for outstanding documents. Further, only the bedbug addendum for xxxx was uploaded. Reviewer Comment (2021-01-13): Before Rental income can be utilized, the following is required. 1) Revised 1003 reflects Rental income is being utilized on the REO property on xxxx, however no lease agreements were provided. 2) New lease and month  to month leases for properties on xxxx and xxxx require recent receipt of rent to support same tenant per guidelines 3) Borrower LOE required as to why properties are not reporting on Schedule E of tax returns. Properties were rented back in 2018.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332582

20318251

xxxx  12:22:47 PM

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-01-19): Renal income from 3 properties added. See updated condition. DTI no longer an issue with rental income. Buyer Comment (2021-01-19): see attached Reviewer Comment (2021-01-13): Before Rental income can be utilized, the following is required. 1) Revised 1003 reflects Rental income is being utilized on the REO property on xxxx, however no lease agreements were provided. 2) New lease and month  to month leases for properties on xxxx and xxxx require recent receipt of rent to support same tenant per guidelines 3) Borrower LOE required as to why properties are not reporting on Schedule E of tax returns. Properties were rented back in 2018. Buyer Comment (2021-01-13): see attached

Reviewer Comment (2021-01-19): Renal income from 3 properties added. See updated condition. DTI no longer an issue with rental income. Reviewer Comment (2021-01-13): Before Rental income can be utilized, the following is required. 1) Revised 1003 reflects Rental income is being utilized on the REO property on xxxx, however no lease agreements were provided. 2) New lease and month  to month leases for properties on xxxx and xxxx require recent receipt of rent to support same tenant per guidelines 3) Borrower LOE required as to why properties are not reporting on Schedule E of tax returns. Properties were rented back in 2018.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332582

20318253

01/14/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-19): Recent receipts of rents provided.  Properties on Schedule E which was utilized for qualification. Buyer Comment (2021-01-19): see docs attached to 19362145

Reviewer Comment (2021-01-19): Recent receipts of rents provided.  Properties on Schedule E which was utilized for qualification.

Cleared

01/19/2021

N

3

1

A

A

A

A

A

302457746

20318158

01/05/2021

Credit

Guideline Issue

The borrower is self-employed.  Guidelines require either a tax professional letter or regulatory agency verifying at least 2 years of self-employment along with either a phone listing and/or business address using directory assistance or internet search to be in file.

Borrower: xxxx // Employment Type: Employment / Income Type: S-Corp (>= 25%) / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Partnership (>= 25%) / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Partnership (>= 25%) / Start Date: xxxx

Reviewer Comment (2021-01-06): Internet searches provided Buyer Comment (2021-01-06): See attached Reviewer Comment (2021-01-06): Internet search for xxxx in file. Pending receipt of internet search for xxxx. The lender did utilize income from this business. Please review 1008 and 1003 (page 5) under Co-Borrower for $634.84/month. Buyer Comment (2021-01-06): Seller comment:  Notes from u/w:  1. xxxx is the LLC that holds his commercial office space for his xxxx.   There is no other purpose.  There is a new business that started in 2019 and not on taxes for 2018.   I did not use this income at all and it was positive.  I thus did not condition for normal items for this business.  It is called xxxx.

Reviewer Comment (2021-01-06): Internet searches provided Reviewer Comment (2021-01-06): Internet search for xxxx in file. Pending receipt of internet search for xxxx. The lender did utilize income from this business. Please review 1008 and 1003 (page 5) under Co-Borrower for $634.84/month.

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457746

20318159

01/05/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-01-06): 2018/2019 W2's provided Buyer Comment (2021-01-06): See attached W2's

Reviewer Comment (2021-01-06): 2018/2019 W2's provided

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457746

20318161

01/05/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-06): Gap Report provided Buyer Comment (2021-01-06): See attached gap report

Reviewer Comment (2021-01-06): Gap Report provided

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457746

20318162

01/05/2021

Credit

Income Documentation

Income Docs Missing:

Reviewer Comment (2021-01-06): Existence of business provided Buyer Comment (2021-01-06): See attached

Reviewer Comment (2021-01-06): Existence of business provided

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457746

20318163

01/05/2021

Credit

Income Documentation

Income Docs Missing:

Reviewer Comment (2021-01-07): Executed Balance Sheets provided Buyer Comment (2021-01-06): see attached Reviewer Comment (2021-01-06): Agree CPA letter confirms Balance Sheets are third party prepared, however they are not signed and dated as required by guidelines. Buyer Comment (2021-01-06): Seller comment:  Please see last paragraph of preparer's letter stating what's to follow.

Reviewer Comment (2021-01-07): Executed Balance Sheets provided Reviewer Comment (2021-01-06): Agree CPA letter confirms Balance Sheets are third party prepared, however they are not signed and dated as required by guidelines.

Cleared

01/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457733

20318224

01/06/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-01-14): Fraud Report provided Buyer Comment (2021-01-14): reattached Reviewer Comment (2021-01-13): Fraud report was not found Buyer Comment (2021-01-13): see attached

Reviewer Comment (2021-01-14): Fraud Report provided Reviewer Comment (2021-01-13): Fraud report was not found

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457733

20318227

01/06/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien

TRID Final Closing Disclosure xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xxxx)

Reviewer Comment (2021-01-14): xxxx received Seller CD, exception cleared. Buyer Comment (2021-01-13): see attached

Reviewer Comment (2021-01-14): xxxx received Seller CD, exception cleared.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457733

20318228

01/06/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/xxxx)

Reviewer Comment (2021-01-15): Client elects to waive Reviewer Comment (2021-01-13): The report date for the second appraisal is xxxx. Need evidence the borrower received this appraisal at least 3 days prior. The document only reflects the date of shipping and not the date received. Buyer Comment (2021-01-13): see attached seller comment >report dated xxxx was delivered on 12/10.  report dated xxxx was delivered on 12/16

Reviewer Comment (2021-01-15): Client elects to waive Reviewer Comment (2021-01-13): The report date for the second appraisal is xxxx. Need evidence the borrower received this appraisal at least 3 days prior. The document only reflects the date of shipping and not the date received.

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302457733

20318229

01/07/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-13): 2 years W2 transcripts were provided Buyer Comment (2021-01-13): see attached

Reviewer Comment (2021-01-13): 2 years W2 transcripts were provided

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302488388

20318288

01/11/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Balance Sheet, P&L Statement, Transcripts (2018), Transcripts (2019)

Reviewer Comment (2021-01-22): Client elects to waive with verified compensation factors Reviewer Comment (2021-01-22): Per client email, borrower prepared P&L and Balance Sheet is being allowed (guidelines modified) Buyer Comment (2021-01-21): See granted exception for transcripts Reviewer Comment (2021-01-21): Documents submitted do not clear condition. Please see commentsxxxx. A 3rd party prepared P&L and Balance Sheet, executed by the borrowers needs to be provided as well as tax transcripts. Buyer Comment (2021-01-21): see attached Reviewer Comment (2021-01-15): The client appears to be looking at the Non-QM guidelines. Per the 1/2021 QM guidelines, Section 1.8.4.2: Full Documentation: For Self Employed borrowers, including 1099 contractors, the following are required: - A 3rd party prepared YTD Profit and Loss Statement (P&L), up to and including the most recent month preceding the loan application date. A 3rd party prepared YTD balance sheet, signed and dated, is required. Further, the tax transcripts are not in file, only W2 transcripts. Buyer Comment (2021-01-15): Section 1.8.4.2 of the QM Prime Jumbo Loan Delivery and Underwriting Guide state:  A borrower prepared P&L is acceptable, but it must be signed and dated by the borrower. & A YTD balance sheet, signed and dated, is required  There is no requirement of a third party prepared Balance Sheet in this section. The tax transcripts are in the file.

Reviewer Comment (2021-01-22): Client elects to waive with verified compensation factors Reviewer Comment (2021-01-22): Per client email, borrower prepared P&L and Balance Sheet is being allowed (guidelines modified) Reviewer Comment (2021-01-21): Documents submitted do not clear condition. Please see commentsxxxx. A 3rd party prepared P&L and Balance Sheet, executed by the borrowers needs to be provided as well as tax transcripts. Reviewer Comment (2021-01-15): The client appears to be looking at the Non-QM guidelines. Per the 1/2021 QM guidelines, Section 1.8.4.2: Full Documentation: For Self Employed borrowers, including 1099 contractors, the following are required: - A 3rd party prepared YTD Profit and Loss Statement (P&L), up to and including the most recent month preceding the loan application date. A 3rd party prepared YTD balance sheet, signed and dated, is required. Further, the tax transcripts are not in file, only W2 transcripts.

The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302488388

20318290

01/11/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-22): Client elects to waive with verified compensation factors Buyer Comment (2021-01-21): see granted exception Reviewer Comment (2021-01-19): Document provided was in file at time of review. A gap report dated within 10 days of closing is required. Document dated xxxx, loan closed xxxx. Buyer Comment (2021-01-19): see attached

Reviewer Comment (2021-01-22): Client elects to waive with verified compensation factors Reviewer Comment (2021-01-19): Document provided was in file at time of review. A gap report dated within 10 days of closing is required. Document dated xxxx, loan closed xxxx.

The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302488388

20318291

01/12/2021

Credit

Credit Calculation / Analysis

Guideline Issue:  Insufficient tradelines per credit guidelines

Reviewer Comment (2021-01-15): Client elects to waive with verified compensation factors Buyer Comment (2021-01-15): see granted exception

Reviewer Comment (2021-01-15): Client elects to waive with verified compensation factors

The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302488388

20318292

01/12/2021

Credit

Income Documentation

Income Docs Missing:

Reviewer Comment (2021-01-15): Existence of preparer business provided Buyer Comment (2021-01-14): see uploaded document for proof of business existence

Reviewer Comment (2021-01-15): Existence of preparer business provided

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457729

20318303

01/11/2021

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2021-01-15): Initial 1003 provided Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-15): Initial 1003 provided

Cleared

01/15/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302457729

20318304

01/12/2021

Credit

Application / Processing

Missing Document: Flood Certificate not provided

Reviewer Comment (2021-01-15): Flood Cert provided Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-15): Flood Cert provided

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457729

20318305

01/12/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-01-15): HOI provided Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-15): HOI provided

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457729

20318306

01/12/2021

Credit

Application / Processing

Missing Document: Approval not provided

Reviewer Comment (2021-01-15): Approval and 1008 provided Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-15): Approval and 1008 provided

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457729

20318307

01/12/2021

Credit

Insurance Analysis

Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.

Reviewer Comment (2021-01-15): HOI provided Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-15): HOI provided

Cleared

01/15/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302457729

20318309

01/12/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 4506 or 4506-T (2018), 4506 or 4506-T (2019), Award Letter / Continuance Letter, Bank Statements, W-2 Transcript (2018), W-2 Transcript (2019)

Reviewer Comment (2021-01-26): Client elects to waive with verified compensation factors. Buyer Comment (2021-01-26): pleasse waive condition with valid compensating factors Reviewer Comment (2021-01-25): Please see comments on 1/21. Pending receipt of 2 years W2 transcripts. This is a guideline requirement. W2's were provided which were in file at time of review. Buyer Comment (2021-01-25): see attached W2s Reviewer Comment (2021-01-21): Updated 1003 provided. Pending receipt of W2 transcripts for 2 years. Buyer Comment (2021-01-21): See attached 1003 Reviewer Comment (2021-01-20): Received 4506T and 1008 removing SSI income. Pending receipt of updated 1003 removing income and 2 years W2 transcripts. Buyer Comment (2021-01-20): see attached seller comment >Understood. Removing $xxxx/mo SSI Disability income and uploading updated income per 1008. DTI at 41.32% within GL maximum of 43%. Reviewer Comment (2021-01-15): Award letter received. Pending receipt of executed 4506T, W2 transcripts, and 1 month recent receipt of SSI disability income for $xxxx/month via 1 month bank statement. 1099 is not sufficient. Both are investor requirements. Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-26): Client elects to waive with verified compensation factors. Reviewer Comment (2021-01-25): Please see comments on 1/21. Pending receipt of 2 years W2 transcripts. This is a guideline requirement. W2's were provided which were in file at time of review. Reviewer Comment (2021-01-21): Updated 1003 provided. Pending receipt of W2 transcripts for 2 years. Reviewer Comment (2021-01-20): Received 4506T and 1008 removing SSI income. Pending receipt of updated 1003 removing income and 2 years W2 transcripts. Reviewer Comment (2021-01-15): Award letter received. Pending receipt of executed 4506T, W2 transcripts, and 1 month recent receipt of SSI disability income for $xxxx/month via 1 month bank statement. 1099 is not sufficient. Both are investor requirements.

Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302457729

20318310

01/12/2021

Compliance

Federal Compliance

Social Security Documentation

Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (xxxx/Social Security)

Reviewer Comment (2021-01-15): Award Letter provided Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-15): Award Letter provided

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457729

20318311

01/12/2021

Compliance

Federal Compliance

TRID Appraisal Disclosure - ECOA Status

ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.

Reviewer Comment (2021-01-15): Disclosure provided. See revised condition. Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-15): Disclosure provided. See revised condition.

Cleared

01/15/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302457729

20318312

01/12/2021

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2021-01-13): Rate lock provided Buyer Comment (2021-01-13): see attached lock confirmation

Reviewer Comment (2021-01-13): Rate lock provided

Cleared

01/13/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302457729

20318313

01/12/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-15): Award Letter provided Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-15): Award Letter provided

Cleared

01/15/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302457729

20318315

01/12/2021

Compliance

Federal Compliance

RESPA Disclosure - List of Homeownership Counseling Organizations Missing

RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.

Reviewer Comment (2021-01-15): Disclosure provided. See revised condition. Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-15): Disclosure provided. See revised condition.

Cleared

01/15/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302457729

20318316

01/12/2021

Compliance

Federal Compliance

TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File

TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $15,073.00 may be required.

Reviewer Comment (2021-01-18): xxxx received LE's 11-20-20 and 12-16-20 Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-18): xxxx received LE's 11-20-20 and 12-16-20

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457729

20318317

01/12/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-15): Pre-Close VVOE dated 12/29 provided Buyer Comment (2021-01-15): see attached

Reviewer Comment (2021-01-15): Pre-Close VVOE dated 12/29 provided

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302457729

20318318

01/15/2021

Compliance

Federal Compliance

TRID Appraisal Disclosure - ECOA Timing

ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.

Reviewer Comment (2021-01-18): xxxx received LE's 11-20-20 and 12-16-20

Reviewer Comment (2021-01-18): xxxx received LE's 11-20-20 and 12-16-20

Cleared

01/18/2021

N

2

1

A

A

A

A

A

302457729

20318319

01/15/2021

Compliance

Federal Compliance

RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application

RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.

Reviewer Comment (2021-01-20): Disclosure provided Buyer Comment (2021-01-20): see attached

Reviewer Comment (2021-01-20): Disclosure provided

Cleared

01/20/2021

N

2

1

A

A

A

A

A

302098278

19250224

xxxx  5:01:18 PM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-01-28): Inspection dated xxxxndicates no damage.

Reviewer Comment (2021-01-28): Inspection dated xxxxndicates no damage.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098278

19250653

xxxx  5:42:42 PM

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2020-12-31): Dates updated and confirmed by appraiser. Buyer Comment (2020-12-28): ECOA

Reviewer Comment (2020-12-31): Dates updated and confirmed by appraiser.

Cleared

xxxx  4:56:48 PM

N

2

1

B

A

B

A

B

A

B

A

B

A

302098278

19273213

xxxx  1:39:12 PM

Credit

Asset Calculation / Analysis

Guideline Requirement: Available for Reserves discrepancy.

Calculated Available for Reserves of $84,431.21 is less than Guideline Available for Reserves of $92,335.56.

Reviewer Comment (2021-01-20): Additional verified assets provided to meet guideline reserve requirements. Buyer Comment (2021-01-19): Asset Documentation uploaded.

Reviewer Comment (2021-01-20): Additional verified assets provided to meet guideline reserve requirements.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096438

19209811

xxxx  1:54:36 PM

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2020-12-16): Disclosure provided. Buyer Comment (2020-12-15): MLO

Reviewer Comment (2020-12-16): Disclosure provided.

Cleared

xxxx  3:01:20 PM

N

2

1

B

A

B

A

B

A

B

A

B

A

302286885

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302173827

19799751

02/05/2021

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2021-02-12): Initial 1003 provided. Seller Comment (2021-02-10): Initial 1003 page 37. Please review

Reviewer Comment (2021-02-12): Initial 1003 provided.

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302173827

19799825

02/05/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-12): Disclosure provided. Seller Comment (2021-02-10): MLO

Reviewer Comment (2021-02-12): Disclosure provided.

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302173827

19799826

02/05/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 600.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-19): xxxx received a PCCD correcting non escrowed property costs and LOE. Seller Comment (2021-02-16): Uploaded revised post cd, loe, tracking, 1008,1003.

Reviewer Comment (2021-02-19): xxxx received a PCCD correcting non escrowed property costs and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302314971

19864112

02/09/2021

Compliance

Federal Compliance

Federal FACTA Disclosure Timing Test

FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

Reviewer Comment (2021-02-19): Provided FACTA disclosure Seller Comment (2021-02-18): FACTA

Reviewer Comment (2021-02-19): Provided FACTA disclosure

Cleared

02/19/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302314971

19882905

02/11/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-12): Disclosure provided. Seller Comment (2021-02-12): MLO

Reviewer Comment (2021-02-12): Disclosure provided.

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302248792

19564751

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee.  Fee Amount of $1,495.00 exceeds tolerance of $1,395.00.  Insufficient or no cure was provided to the borrower. (73196)

Reviewer Comment (2021-02-10): xxxx received PCCD, LOE and Refund Check and shipping. Buyer Comment (2021-02-05): Proof of delivery and copy of check Reviewer Comment (2021-02-04): xxxx received corrected CD dated xxxx and LOE to borrower.  Missing copy of $100 refund check and proof of mailing. The eSign certificate shows the closing disclosure was delivered electronically, but no proof of delivery for LOE and check. Copy of refund check or canceled check reflecting borrower received check or email from borrower to confirm receipt of both check and LOE required to cure. Buyer Comment (2021-02-03): Uploaded PCCD, LOE, refund check and proof of delivery to borrower.

Reviewer Comment (2021-02-10): xxxx received PCCD, LOE and Refund Check and shipping. Reviewer Comment (2021-02-04): xxxx received corrected CD dated xxxx and LOE to borrower.  Missing copy of $100 refund check and proof of mailing. The eSign certificate shows the closing disclosure was delivered electronically, but no proof of delivery for LOE and check. Copy of refund check or canceled check reflecting borrower received check or email from borrower to confirm receipt of both check and LOE required to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302288958

19562131

01/15/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-02-02): Inspection datedxxxxndicates no damage.

Reviewer Comment (2021-02-02): Inspection datedxxxxndicates no damage.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288958

19563757

01/15/2021

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2021-02-02): Rate lock provided. Buyer Comment (2021-01-29): Uploaded rate lock confirmation

Reviewer Comment (2021-02-02): Rate lock provided.

Cleared

02/02/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302288958

19647136

01/22/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-05): CDA with 0% variance provided. Buyer Comment (2021-02-03): CDA attached

Reviewer Comment (2021-02-05): CDA with 0% variance provided.

Cleared

02/05/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302172364

19381338

xxxx  10:09:16 AM

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-01-08): Disclosure provided. Buyer Comment (2021-01-05): LO comp

Reviewer Comment (2021-01-08): Disclosure provided.

Cleared

01/08/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302172364

19381435

xxxx  10:16:38 AM

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-01-19): Employment dates verified. Buyer Comment (2021-01-14): VVOE uploaded

Reviewer Comment (2021-01-19): Employment dates verified.

Cleared

01/19/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302533496

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302271655

19950155

02/18/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-20): Provided LO compensation Disclosure Seller Comment (2021-02-19): MLO

Reviewer Comment (2021-02-20): Provided LO compensation Disclosure

Cleared

02/20/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302271655

19950157

02/18/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-26): Received the corrected Closing Disclosure and Letter of Explanation. Seller Comment (2021-02-23): Please re-review. PCCD datedxxxxorrected the final CD dated xxxxegarding page 4 not having disclosed the reason the loan will not have an escrow account.

Reviewer Comment (2021-02-26): Received the corrected Closing Disclosure and Letter of Explanation.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302271655

19950219

02/18/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-26): Received the post-disaster inspection dated xxxx. Seller Comment (2021-02-25): PDI provided

Reviewer Comment (2021-02-26): Received the post-disaster inspection dated xxxx.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228178

19587020

01/19/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-01-21): Replacement cost estimate provided.  Coverage is sufficient. Buyer Comment (2021-01-20): RCE attached; please clear

Reviewer Comment (2021-01-21): Replacement cost estimate provided.  Coverage is sufficient.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316415

19978371

02/22/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-26): Received the lender's LO Compensation attestation. Seller Comment (2021-02-25): LO attestation letter

Reviewer Comment (2021-02-26): Received the lender's LO Compensation attestation.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302316415

19978372

02/22/2021

Compliance

Federal Compliance

QM Points and Fees 2021

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or .98960%).

Reviewer Comment (2021-03-16): Undiscounted rate and price provided. Seller Comment (2021-03-15): Further discount point documentation Seller Comment (2021-03-15): Evidence to exclude discount points.

Reviewer Comment (2021-03-16): Undiscounted rate and price provided.

Cleared

03/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316415

19978373

02/22/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final/xxxx)

Reviewer Comment (2021-03-12): Received Letter of Explanation, verified Proof of Delivery (per UPS, package was delivered on xxxx) and Corrected CD required to cure. Re-open rescission is not required as the terms of the loan and disclosed fees did not change. Seller Comment (2021-03-10): Please see uploaded PCCD

Reviewer Comment (2021-03-12): Received Letter of Explanation, verified Proof of Delivery (per UPS, package was delivered on xxxx) and Corrected CD required to cure. Re-open rescission is not required as the terms of the loan and disclosed fees did not change.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302316415

19978374

02/22/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-12): Received Letter of Explanation, verified Proof of Delivery (per UPS, package was delivered on xxxx) and Corrected CD required to cure. Re-open rescission is not required as the terms of the loan and disclosed fees did not change. Seller Comment (2021-03-10): PCCD

Reviewer Comment (2021-03-12): Received Letter of Explanation, verified Proof of Delivery (per UPS, package was delivered on xxxx) and Corrected CD required to cure. Re-open rescission is not required as the terms of the loan and disclosed fees did not change.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302316415

19978582

02/22/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-16): Undiscounted rate and price provided. Seller Comment (2021-03-15): Evidence to exclude discount points uploaded.

Reviewer Comment (2021-03-16): Undiscounted rate and price provided.

Cleared

03/16/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302274665

19808495

02/08/2021

Credit

Credit Documentation

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Reviewer Comment (2021-02-22): Express loan.  DU findings do not require VOR. Seller Comment (2021-02-19): VOR/VOM is not required for Jumbo Express.  DU did not ask for it.  Please remove this condition

Reviewer Comment (2021-02-22): Express loan.  DU findings do not require VOR.

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274665

19808513

02/08/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-22): VOE within 5 days provided. Seller Comment (2021-02-19): VVOE xxxx attached

Reviewer Comment (2021-02-22): VOE within 5 days provided.

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274665

19808652

02/08/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-12): LO comp disclosure provided Seller Comment (2021-02-11): MLO

Reviewer Comment (2021-02-12): LO comp disclosure provided

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302274665

19808654

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $9,273.60 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-02-16): Provided COC for discount point increase of $9274 on xxxx Seller Comment (2021-02-12): COC

Reviewer Comment (2021-02-16): Provided COC for discount point increase of $9274 on xxxx

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274665

19808678

02/08/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-12): Report date is xxxx, appraisal sent xxxx Seller Comment (2021-02-12): ECOA

Reviewer Comment (2021-02-12): Report date is xxxx, appraisal sent 12/17/20

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302274665

19865509

02/09/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-23): Received copy of the post disaster inspection showing no damage.

Reviewer Comment (2021-02-23): Received copy of the post disaster inspection showing no damage.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271591

19880791

02/10/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-03-01): Full mortgage payment used to qualify. Seller Comment (2021-02-26): Rental income is not used to qualify.  Please remove condition

Reviewer Comment (2021-03-01): Full mortgage payment used to qualify.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271591

19880797

02/10/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-01): Full mortgage payment used to qualify.

Reviewer Comment (2021-03-01): Full mortgage payment used to qualify.

Cleared

03/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302328826

20004393

02/23/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-10): VVOE was provided. Seller Comment (2021-03-09): xxxx prior employment start date 6-18-18 attached

Reviewer Comment (2021-03-10): VVOE was provided.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302328826

20004394

02/23/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-10): VVOE was provided. Seller Comment (2021-03-09): xxxx prior employment 7-1-2018 attached

Reviewer Comment (2021-03-10): VVOE was provided.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302356630

20027630

02/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2021-03-12): Received a valid COC dated xxxx for the addition of the Recording Fee of $225.00. Seller Comment (2021-03-11): COC

Reviewer Comment (2021-03-12): Received a valid COC dated xxxx for the addition of the Recording Fee of $225.00.

Cleared

03/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302099536

19565178

01/15/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-04): Revised commitment provided. Buyer Comment (2021-02-02): Corrected TP amount attached

Reviewer Comment (2021-02-04): Revised commitment provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302099536

19568208

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $665.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-15): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-15): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302329319

19644251

01/22/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-02-01): Coverage coincides with disbursement. Buyer Comment (2021-01-28): Please see pages 101-102 which show the loan disbursed on xxxx, insurance was in effective at the time of disbursement.  Please remove this condition.

Reviewer Comment (2021-02-01): Coverage coincides with disbursement.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329319

19644388

01/22/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-09): CDA with 0% variance provided. Buyer Comment (2021-02-05): CDA attached

Reviewer Comment (2021-02-09): CDA with 0% variance provided.

Cleared

02/09/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302329319

19646976

01/22/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-09): P&L and balance sheet provided. Buyer Comment (2021-02-05): Balance Sheet attached Buyer Comment (2021-02-05): P & L attached

Reviewer Comment (2021-02-09): P&L and balance sheet provided.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329319

19646979

01/22/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-09): P&L and balance sheet provided.

Reviewer Comment (2021-02-09): P&L and balance sheet provided.

Cleared

02/09/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302329319

19647123

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $155.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75106)

Reviewer Comment (2021-02-09): Cure docs provided. Buyer Comment (2021-02-05): Uploaded LOE, PCCD, copy of refund check and proof of delivery

Reviewer Comment (2021-02-09): Cure docs provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302270830

19268608

xxxx  8:59:30 AM

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Buyer Comment (2021-02-05): EV2- 2 yr employment history verified Reviewer Comment (2021-02-04): Verified via provided Third Party Employer Verification (xxxx Search) that xxxx & xxxx are the same company. In addition Third Party WVOE was uploaded and confirms the Start & End dats of B@ Former Employment which meets 2 year History Requirement. Buyer Comment (2021-02-03): Prev. VOE's uploaded Reviewer Comment (2021-01-19): Current employment documented but third party verification of prior employment dates not provided. Buyer Comment (2021-01-12): VOE uploaded

Reviewer Comment (2021-02-04): Verified via provided Third Party Employer Verification (xxxx Search) that xxxx & xxxx are the same company. In addition Third Party WVOE was uploaded and confirms the Start & End dats of B@ Former Employment which meets 2 year History Requirement. Reviewer Comment (2021-01-19): Current employment documented but third party verification of prior employment dates not provided.

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302270830

19269196

xxxx  9:45:20 AM

Compliance

State Compliance

Illinois SB 1894

IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.

Reviewer Comment (2021-02-12): Certificate provided. Buyer Comment (2021-02-12): Uploaded IL Predatory Lending Database Program (SB 1894) documentation

Reviewer Comment (2021-02-12): Certificate provided.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270830

19276072

xxxx  5:10:16 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 41.30041% exceeds Guideline total debt ratio of 40.00000%.

Reviewer Comment (2021-01-19): Bonus income documentation provided.  DTI within guidelines. Buyer Comment (2021-01-12): income calc Buyer Comment (2021-01-12): Bonus income lox

Reviewer Comment (2021-01-19): Bonus income documentation provided.  DTI within guidelines.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270830

19276108

xxxx  5:11:41 PM

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-19): VOE for current employment provided.   Prior employment is a separate EV2 exception. Buyer Comment (2021-01-12): LOX on employment uploaded

Reviewer Comment (2021-01-19): VOE for current employment provided.   Prior employment is a separate EV2 exception.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098974

19579469

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $17,583.68 exceeds tolerance of $16,160.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-02-14): Additional interim CD and changed circumstance documentation provided. Buyer Comment (2021-02-12): Uploaded COC and CD. Per Lender: The discount point change occurred xxxxnd xxxx CD was issued to borrower. Reviewer Comment (2021-02-04): Increase occurs on the 12/7/20 CD.  None of the COC documents provided correspond with that date. Buyer Comment (2021-02-04): Uploaded COCs

Reviewer Comment (2021-02-14): Additional interim CD and changed circumstance documentation provided. Reviewer Comment (2021-02-04): Increase occurs on the 12/7/20 CD.  None of the COC documents provided correspond with that date.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098974

19580952

01/19/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-02-13): Provide ROR on H9 form Buyer Comment (2021-02-12): Re-uploaded H9 RTC Reviewer Comment (2021-02-08): One one RTC in file and is is an H8. Buyer Comment (2021-02-04): Uploaded ROR

Reviewer Comment (2021-02-13): Provide ROR on H9 form Reviewer Comment (2021-02-08): One one RTC in file and is is an H8.

Cleared

02/13/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302098974

19600486

01/20/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-04): Drive report provided. Buyer Comment (2021-02-02): Fraud Guard attached

Reviewer Comment (2021-02-04): Drive report provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098598

19504372

01/11/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-01): Fraud report provided. Buyer Comment (2021-01-28): Fraud Guard Attached

Reviewer Comment (2021-02-01): Fraud report provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098598

19504390

01/11/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-02-01): Inspection datedxxxxndicates no damage.

Reviewer Comment (2021-02-01): Inspection datedxxxxndicates no damage.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098598

19505002

01/11/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-20): VVOE performed prior to disbursement. Buyer Comment (2021-01-19): See page 106 of the file which shows loan was not disbursed until 12/16 and the VVOE was done on 12/14 which is within 5 days of funding.

Reviewer Comment (2021-01-20): VVOE performed prior to disbursement.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098598

19505210

01/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75187)

Reviewer Comment (2021-02-01): Cure provided. Buyer Comment (2021-01-27): cure docs

Reviewer Comment (2021-02-01): Cure provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302098598

19538012

01/12/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-20): VVOE performed prior to disbursement. Buyer Comment (2021-01-19): See page 106 of the file which shows loan was not disbursed until xxxx and the VVOE was done on 12/14 which is within 5 days of funding.

Reviewer Comment (2021-01-20): VVOE performed prior to disbursement.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307693

19908119

02/15/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-26): Inspection datedxxxxndicates no damage. Seller Comment (2021-02-25): PDI Provided

Reviewer Comment (2021-02-26): Inspection datedxxxxndicates no damage.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307693

19908122

02/15/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Lease Agreement

Reviewer Comment (2021-03-03): 3/3/2021:  Reviewed the lease agreement and it is a month to month after the 1 year time period has expired.  Exception has been cleared. Seller Comment (2021-03-02): Per lender "Per the rental agreement it will revert to month to month after the expire date. Please see section 2 B on the lease agreement"

Reviewer Comment (2021-03-03): 3/3/2021:  Reviewed the lease agreement and it is a month to month after the 1 year time period has expired.  Exception has been cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307693

19908128

02/15/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-03-10): xxxx received PCCD, LOE, copy of refund check, and proof of mailing; exception is cured prior to discovery. Seller Comment (2021-03-04): Please review again and provide details on how the TOP was calculated using the PCCD dated 1/8/2021 and clarify the amount required to cure. Reviewer Comment (2021-03-03): 3/3/2021:  Received the Corrected CD only.  Missing the  Letter of Explanation, Proof of Delivery and Refund check for underdisclosed equivalent amount.  Exception remains open. Seller Comment (2021-02-26): Per lender: $95.00 Cure was given at funding. Please refer to our post Cd dated1/8 and final settlement statement from escrow showing that it was given at funding. If additional cure is required, please confirm the amount and provide breakdown.$

Reviewer Comment (2021-03-10): xxxx received PCCD, LOE, copy of refund check, and proof of mailing; exception is cured prior to discovery. Reviewer Comment (2021-03-03): 3/3/2021:  Received the Corrected CD only.  Missing the  Letter of Explanation, Proof of Delivery and Refund check for underdisclosed equivalent amount.  Exception remains open.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302303166

19950978

02/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $108.40 exceeds tolerance of $54.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302303166

19950980

02/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee.  Fee Amount of $22.00 exceeds tolerance of $10.00.  Sufficient or excess cure was provided to the borrower at Closing. (7575)

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302098277

19394235

xxxx  3:52:41 PM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-01-28): Inspection dated xxxx indicates no damage.

Reviewer Comment (2021-01-28): Inspection dated xxxx indicates no damage.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098277

19394532

xxxx  4:18:53 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $4,958.24 exceeds tolerance of $3,904.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-01-25): xxxx received LOE, corrected CD, copy of refund check, and proof of mailing. Buyer Comment (2021-01-22): shipping info

Reviewer Comment (2021-01-25): xxxx received LOE, corrected CD, copy of refund check, and proof of mailing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302147485

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302408796

No Finding

Loan Completed Without Finding

Review Complete

02/24/2021

1

1

302101285

19958401

02/19/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-03-10): Received the borrowers Fraud Report. Seller Comment (2021-03-10): Fraud Guard attached

Reviewer Comment (2021-03-10): Received the borrowers Fraud Report.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302101285

19958700

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $8,815.00 exceeds tolerance of $5,177.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-03-18): Received verification of the date (xxxx) when the loan amount changed and the interest rate was lowered and extended. Seller Comment (2021-03-16): LOE and supporting documents Reviewer Comment (2021-03-10): Received an Interim CD dated xxxx which disclosed Loan Discount Points of $8,850.00. Received a rate lock form to verify the rate was lowered to 2.75% and the lock extended to xxxx however, the rate form is missing the timestamp to verify when the changes occurred. Exception remains. Seller Comment (2021-03-08): PCCD

Reviewer Comment (2021-03-18): Received verification of the date (xxxx) when the loan amount changed and the interest rate was lowered and extended. Reviewer Comment (2021-03-10): Received an Interim CD dated xxxx which disclosed Loan Discount Points of $8,850.00. Received a rate lock form to verify the rate was lowered to 2.75% and the lock extended to xxxx however, the rate form is missing the timestamp to verify when the changes occurred. Exception remains.

Cleared

03/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302101285

19959740

02/19/2021

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2021-03-09): Rate lock date provided. Seller Comment (2021-03-08): Initial and final rate lock

Reviewer Comment (2021-03-09): Rate lock date provided.

Cleared

03/09/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302099559

19577182

01/18/2021

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2021-02-03): Rate lock provided. Buyer Comment (2021-01-31): lock

Reviewer Comment (2021-02-03): Rate lock provided.

Cleared

02/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302099559

19580428

01/19/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-03): VOEs performed after note but prior to disbursement. Buyer Comment (2021-02-02): Uploaded VOE dated 12/15; Post Close CD w/Disbursement 12/18/20

Reviewer Comment (2021-02-03): VOEs performed after note but prior to disbursement.

Cleared

02/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302393992

19391195

xxxx  11:30:11 AM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-01-26): Inspection dated 1/8/21 indicates no damage.

Reviewer Comment (2021-01-26): Inspection dated 1/8/21 indicates no damage.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393992

19391201

xxxx  11:31:08 AM

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-01-21): Drive report provided. Buyer Comment (2021-01-20): Fraud

Reviewer Comment (2021-01-21): Drive report provided.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393992

19391596

xxxx  12:10:05 PM

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-01-19): Provided earlier E-consent Buyer Comment (2021-01-15): E consent datedxxxx uploaded see page D0158

Reviewer Comment (2021-01-19): Provided earlier E-consent

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393992

19391597

xxxx  12:10:05 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $5,140.40 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-01-19): Provided earlier E-consent Buyer Comment (2021-01-15): Providing the e-consent dated 9/20 see bottom of pages Reviewer Comment (2021-01-14): xxxx re-reviewed changed of circumstance and LE.  The changed circumstance reflects a valid reason, however the 11-6 LE which was electronically signed on 11-9-20 did not have an E-consent until 11-20-20.  Any revised disclosure provided electronically prior to borrower's e-consent will not be used to rebaseline fee amounts dislcosed from initial LE.  Proof of earlier E-consent to the 11-9-20 electronically signed LE would be required to rebaseline. Buyer Comment (2021-01-07): Corresponding valid COC page 80 for FTL, increase to loan amount, and DP fee added. Please review

Reviewer Comment (2021-01-19): Provided earlier E-consent Reviewer Comment (2021-01-14): xxxx re-reviewed changed of circumstance and LE.  The changed circumstance reflects a valid reason, however the 11-6 LE which was electronically signed on 11-9-20 did not have an E-consent until 11-20-20.  Any revised disclosure provided electronically prior to borrower's e-consent will not be used to rebaseline fee amounts dislcosed from initial LE.  Proof of earlier E-consent to the 11-9-20 electronically signed LE would be required to rebaseline.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393992

19391598

xxxx  12:10:05 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $155.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75104)

Reviewer Comment (2021-01-19): Provided earlier E-consent

Reviewer Comment (2021-01-19): Provided earlier E-consent

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302302567

19608981

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $750.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-09): xxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Buyer Comment (2021-02-09): cure docs Reviewer Comment (2021-02-01): xxxx has not received any uploaded trailing documents.  Please check transmission and resend. Buyer Comment (2021-01-27): Re-Uploaded Post Closing CDxxxx. Reviewer Comment (2021-01-26): xxxx received comment indicating a post close CD was uploaded with cure.  No trailing documents were received and xxxxCCD in original images does not reflect a cure.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2021-01-25): Post Closing CD uploaded with cure.

Reviewer Comment (2021-02-09): xxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Reviewer Comment (2021-02-01): xxxx has not received any uploaded trailing documents.  Please check transmission and resend. Reviewer Comment (2021-01-26): xxxx received comment indicating a post close CD was uploaded with cure.  No trailing documents were received and xxxxCCD in original images does not reflect a cure.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302202000

19533037

01/12/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-01-21): Borrower acknowledgment provided. Buyer Comment (2021-01-20): ECOA

Reviewer Comment (2021-01-21): Borrower acknowledgment provided.

Cleared

01/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302202000

19533038

01/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $155.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-01-12): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-12): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302290297

19844512

02/09/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-25): Received the borrowers full Fraud report. Seller Comment (2021-02-24): Fraud  report

Reviewer Comment (2021-02-25): Received the borrowers full Fraud report.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290297

19845027

02/09/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-23): Received copy of the post disaster inspection showing no damage.

Reviewer Comment (2021-02-23): Received copy of the post disaster inspection showing no damage.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290297

19845397

02/09/2021

Compliance

Federal Compliance

TRID Esign Consent Agreement Status

Unable to determine if loan file contains evidence of borrower's consent to receive electronic documents due to missing information.

Reviewer Comment (2021-02-23): Received copy of the e-consent disclosure.

Reviewer Comment (2021-02-23): Received copy of the e-consent disclosure.

Cleared

02/23/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290297

19845479

02/09/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-03-02): xxxx received 10/15 e consent. Reviewer Comment (2021-02-23): Initial LE was sent electronically on 10.16 prior to econsent on 10.17. Seller Comment (2021-02-19): See uploaded econsent

Reviewer Comment (2021-03-02): xxxx received 10/15 e consent. Reviewer Comment (2021-02-23): Initial LE was sent electronically on 10.16 prior to econsent on 10.17.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290297

19845957

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $155.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302269178

19380442

xxxx  8:55:15 AM

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-01-12): Updated commitment provided. Buyer Comment (2021-01-12): title policy uploaded

Reviewer Comment (2021-01-12): Updated commitment provided.

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269178

19380725

xxxx  9:24:49 AM

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-07): Borrower acknowledgment provided. Buyer Comment (2021-02-04): Uploaded: LOE, Appraisal . Reviewer Comment (2021-01-17): Missing evidence of borrower receipt of updated appraisal xxxx Buyer Comment (2021-01-15): ECOA

Reviewer Comment (2021-02-07): Borrower acknowledgment provided. Reviewer Comment (2021-01-17): Missing evidence of borrower receipt of updated appraisal xxxx

Cleared

02/07/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302269178

19380726

xxxx  9:24:49 AM

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Secondary/xxxx)

Reviewer Comment (2021-02-07): NA for CDA. Reviewer Comment (2021-01-17): Missing evidence of borrower receipt of updated appraisal xxxx Buyer Comment (2021-01-15): Appraisal acknowledgement uploaded

Reviewer Comment (2021-02-07): NA for CDA. Reviewer Comment (2021-01-17): Missing evidence of borrower receipt of updated appraisal xxxx

Cleared

02/07/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302269178

19380727

xxxx  9:24:49 AM

Compliance

State Compliance

Illinois SB 1894

IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.

Reviewer Comment (2021-01-12): Certificate of compliance provided. Buyer Comment (2021-01-07): IL cert

Reviewer Comment (2021-01-12): Certificate of compliance provided.

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269178

19380728

xxxx  9:24:49 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $155.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75104)

Reviewer Comment (2021-01-17): Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $155.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. Buyer Comment (2021-01-15): Cure docs

Reviewer Comment (2021-01-17): Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $155.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure.

Cleared

01/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269178

19575072

01/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $155.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (75104)

Reviewer Comment (2021-01-17): Provided PCCD, refund check, loe to borrower and proof of delivery

Reviewer Comment (2021-01-17): Provided PCCD, refund check, loe to borrower and proof of delivery

Cured

N

3

2

B

B

B

B

B

302274212

19928586

02/16/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-03-03): 3/3/2021:  Received the Fraud Report.  Exception has been cleared. Seller Comment (2021-03-01): see attached

Reviewer Comment (2021-03-03): 3/3/2021:  Received the Fraud Report.  Exception has been cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274212

19929525

02/16/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-03-03): 3/3/2021:  Reviewed the e-consent disclosure summary.   Exception has been cleared. Seller Comment (2021-02-26): Econsent

Reviewer Comment (2021-03-03): 3/3/2021:  Reviewed the e-consent disclosure summary.   Exception has been cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274212

19929529

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $155.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75104)

Reviewer Comment (2021-03-03): 3/3/2021:  Received the COC.  Exception has been cleared. Seller Comment (2021-02-26): COC

Reviewer Comment (2021-03-03): 3/3/2021:  Received the COC.  Exception has been cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274536

19570433

01/15/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-01-21): Small loss included in DTI.  No further documentation required. Buyer Comment (2021-01-20): Income from this company is not used for qualifying. Please remove exception.

Reviewer Comment (2021-01-21): Small loss included in DTI.  No further documentation required.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274536

19570436

01/15/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-21): Small loss included in DTI.  No further documentation required. Buyer Comment (2021-01-20): Income rom this company is not used for qualifying. Please remove exception.

Reviewer Comment (2021-01-21): Small loss included in DTI.  No further documentation required.

Cleared

01/21/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302274536

19570454

01/15/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 19,578.24 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-14): Letter of Explanation & Corrected Closing Disclosure refund check for $81.00 and proof of delivery provided Buyer Comment (2021-02-09): cure docs uploaded

Reviewer Comment (2021-02-14): Letter of Explanation & Corrected Closing Disclosure refund check for $81.00 and proof of delivery provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302305719

19568385

01/15/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-03): Borrower acknowledgment provided. Buyer Comment (2021-01-31): Acknowledgement

Reviewer Comment (2021-02-03): Borrower acknowledgment provided.

Cleared

02/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302278899

19604233

01/21/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Insurance Verification

Reviewer Comment (2021-02-08): REO verifications provided. Buyer Comment (2021-02-04): REO docs uploaded.

Reviewer Comment (2021-02-08): REO verifications provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278899

19604285

01/21/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-03): xxxx received 11/11 e consent. Buyer Comment (2021-01-31): TRACKING

Reviewer Comment (2021-02-03): xxxx received 11/11 e consent.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288895

19928226

02/16/2021

Credit

Mortgage / Program Eligibility

Missing Document: Note - Subordinate Lien not provided

Reviewer Comment (2021-03-03): HELOC agreement provided and appears on title. Seller Comment (2021-03-02): Subordinate Lien Note attached

Reviewer Comment (2021-03-03): HELOC agreement provided and appears on title.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273107

19938985

02/17/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-03-01): Lender provided signed and date 1120S for 2 years Seller Comment (2021-02-26): tax returns uploaded.

Reviewer Comment (2021-03-01): Lender provided signed and date 1120S for 2 years

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273107

19938986

02/17/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-25): Delivery dates documented. Seller Comment (2021-02-24): Uploaded appraisal delivery

Reviewer Comment (2021-02-25): Delivery dates documented.

Cleared

02/25/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302273107

19938987

02/17/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-01): Lender provided signed and date 1120S for 2 years

Reviewer Comment (2021-03-01): Lender provided signed and date 1120S for 2 years

Cleared

03/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302273107

19938990

02/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $74.25 exceeds tolerance of $45.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-02-17): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-17): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302274634

19567750

01/15/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx 4506 or 4506-T (2017), 4506 or 4506-T (2018), 4506 or 4506-T (2019) 4506 or 4506-T (2017), 4506 or 4506-T (2018), 4506 or 4506-T (2019)

Reviewer Comment (2021-02-10): 4506t provided. Buyer Comment (2021-02-08): 4506t for both borrowres Reviewer Comment (2021-02-01): W9's not 4506T were uploaded for the borrowers. A 4505t was noted but was for a different borrower, xxxx. Buyer Comment (2021-01-29): 4506T uploaded

Reviewer Comment (2021-02-10): 4506t provided. Reviewer Comment (2021-02-01): W9's not 4506T were uploaded for the borrowers. A 4505t was noted but was for a different borrower, xxxx.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274634

19584636

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302274634

19584637

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $700.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302285491

19800484

02/06/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-14): Received evidence of earlier delivery. Seller Comment (2021-02-12): Uploaded CD and disclosure tracking

Reviewer Comment (2021-02-14): Received evidence of earlier delivery.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302285491

19800517

02/06/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302285491

19800518

02/06/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $59.25 exceeds tolerance of $45.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302285491

19800573

02/06/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-19): REO PITI verified. Seller Comment (2021-02-18): REO information

Reviewer Comment (2021-02-19): REO PITI verified.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307704

19833954

02/08/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-19): Client acknowledges. Reviewer Comment (2021-02-18): Evidence the final version of the appraisal was sent to the borrower was not provided. Seller Comment (2021-02-18): Per Lender: Appraisal effective date is xxxx.  Per AIR EMAIL, valuation sent to borrower 10/28.  UW reviewed appraisal 11/11 and requested revision.  Appraiser sent revision xxxx with no change to value.

Reviewer Comment (2021-02-19): Client acknowledges. Reviewer Comment (2021-02-18): Evidence the final version of the appraisal was sent to the borrower was not provided.

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302325087

No Finding

Loan Completed Without Finding

Review Complete

01/16/2021

1

1

302387156

19783582

02/04/2021

Credit

Document Error

Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.

Borrower: xxxx

Reviewer Comment (2021-02-12): Non-perms permitted and borrower visa documentation provided. Seller Comment (2021-02-12): Please see Rebuttal regarding Borrower Eligibility Reviewer Comment (2021-02-12): Guidelines state that non-permanent residents are ineligible. Seller Comment (2021-02-10): Please see attached requested documentation

Reviewer Comment (2021-02-12): Non-perms permitted and borrower visa documentation provided. Reviewer Comment (2021-02-12): Guidelines state that non-permanent residents are ineligible.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325086

19662766

01/25/2021

Compliance

Federal Compliance

Social Security Documentation

Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (xxxx/Social Security)

Reviewer Comment (2021-02-09): Provided award letter Seller Comment (2021-02-01): Please see the attached award letter.

Reviewer Comment (2021-02-09): Provided award letter

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325086

19662767

01/25/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-09): Provided award letter Seller Comment (2021-02-01): Please see the attached award letter.

Reviewer Comment (2021-02-09): Provided award letter

Cleared

02/09/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302150117

No Finding

Loan Completed Without Finding

Review Complete

01/29/2021

1

1

302172355

No Finding

Loan Completed Without Finding

Review Complete

01/29/2021

1

1

302286720

No Finding

Loan Completed Without Finding

Review Complete

01/30/2021

1

1

302173932

19662414

01/25/2021

Compliance

State Compliance

Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely)

Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of  receipt of the loan application.

Reviewer Comment (2021-02-02): Received business calendar reflecting a business holiday on xxxx (Columbus Day). Seller Comment (2021-01-27): Please see the attached TRID Rebuttal Buyer Comment (2021-01-27): There are three business days between Application (10/8/2020) and the disclosed LE (xxxx). Indigenous People's Day, which is a Banking Holiday, occurred on October 12, 2020 and a weekend occurred between the two dates. Please review and waive.

Reviewer Comment (2021-02-02): Received business calendar reflecting a business holiday on xxxx (Columbus Day).

Cleared

02/02/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302173932

19662415

01/25/2021

Compliance

Federal Compliance

TRID Loan Estimate Timing

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xxxx)

Reviewer Comment (2021-02-02): Received business calendar reflecting a business holiday on xxxx (Columbus Day). Seller Comment (2021-01-27): Please see the attached TRID Rebuttal

Reviewer Comment (2021-02-02): Received business calendar reflecting a business holiday on xxxx (Columbus Day).

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173887

19626395

01/21/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-02): Received 2017 returns. Seller Comment (2021-01-28): Please find the attached 2017 signed and dated 1040 Returns.

Reviewer Comment (2021-02-02): Received 2017 returns.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173887

19626396

01/21/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-02): Received 2017 returns. Seller Comment (2021-01-28): Please find the attached 2017 signed and dated 1040 Returns.

Reviewer Comment (2021-02-02): Received 2017 returns.

Cleared

02/02/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302173887

19642057

01/22/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2017)

Reviewer Comment (2021-02-02): Received 2017 returns. Seller Comment (2021-01-28): Please find the attached 2017 signed and dated 1040 Returns.

Reviewer Comment (2021-02-02): Received 2017 returns.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302175927

19795625

02/05/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-02-16): Lender to lender refi with no new money to the borrower.  Rescission  does not apply. Seller Comment (2021-02-16): Please see attached ROR Rebuttal

Reviewer Comment (2021-02-16): Lender to lender refi with no new money to the borrower.  Rescission  does not apply.

Cleared

02/16/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302185535

No Finding

Loan Completed Without Finding

Review Complete

01/15/2021

1

1

302247678

19771309

02/03/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-12): The RCE was provided Seller Comment (2021-02-10): Please see the attached Insurance Docs and RCE Info

Reviewer Comment (2021-02-12): The RCE was provided

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302247723

No Finding

Loan Completed Without Finding

Review Complete

01/22/2021

1

1

302263948

19650079

01/23/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-01): Minimal loss. Seller Comment (2021-01-27): Please see the attached Rebuttal

Reviewer Comment (2021-02-01): Minimal loss.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302263948

19650080

01/23/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-01): Minimal loss. Seller Comment (2021-01-27): Please see the attached Rebuttal

Reviewer Comment (2021-02-01): Minimal loss.

Cleared

02/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302263948

19650081

01/23/2021

Compliance

Federal Compliance

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Reviewer Comment (2021-02-01): Received ROR. Seller Comment (2021-01-27): Please see the attached RTC.

Reviewer Comment (2021-02-01): Received ROR.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302263947

No Finding

Loan Completed Without Finding

Review Complete

01/27/2021

1

1

302271611

No Finding

Loan Completed Without Finding

Review Complete

02/02/2021

1

1

302328856

19752901

02/02/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-08): Received final title with sufficient coverage. Seller Comment (2021-02-05): Please see the attached Final Title Policy with updated Title Policy Amount.

Reviewer Comment (2021-02-08): Received final title with sufficient coverage.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302328856

19752949

02/02/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-02-08): Received final title.

Reviewer Comment (2021-02-08): Received final title.

Cleared

02/08/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302285322

19775514

02/03/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-14): Received evidence of earlier delivery. Seller Comment (2021-02-12): Please see the attached borrower signed Initial CD, datedxxxx.

Reviewer Comment (2021-02-14): Received evidence of earlier delivery.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327225

19587050

01/19/2021

Credit

General

Missing Document: Verification of Non-US Citizen Status not provided

Reviewer Comment (2021-02-01): Received active VISA. Seller Comment (2021-01-27): Please see CB's VISA which expires Jul 23rd 2021, also previously provided. Reviewer Comment (2021-01-27): Remaining exception is for co-borrower.  Received VISA for borrower. Seller Comment (2021-01-25): Please see the attached B1's VISA Extension Approval - previously provided. Reviewer Comment (2021-01-23): Received VISA for Co-borrower.  Visa for borrower is expired. Seller Comment (2021-01-22): Please see the attached requested missing docs. Reviewer Comment (2021-01-21): Received certification of Resident Alien status but no the actual visa or copy of card in file. Seller Comment (2021-01-20): Please find attached the requested Non-Permanent Resident Alien docs

Reviewer Comment (2021-02-01): Received active VISA. Reviewer Comment (2021-01-27): Remaining exception is for co-borrower.  Received VISA for borrower. Reviewer Comment (2021-01-23): Received VISA for Co-borrower.  Visa for borrower is expired. Reviewer Comment (2021-01-21): Received certification of Resident Alien status but no the actual visa or copy of card in file.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327225

19588959

01/19/2021

Credit

Mortgage / Program Eligibility

Guideline Requirement: Loan to value discrepancy.

Calculated loan to value percentage of 80.00000% exceeds Guideline loan to value percentage of 75.00000%.

Reviewer Comment (2021-01-21): Received evidence of 80% LTV. Seller Comment (2021-01-20): Please see the attached Rebuttal

Reviewer Comment (2021-01-21): Received evidence of 80% LTV.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327225

19588961

01/19/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Maximum Loan Amount discrepancy.

Note loan amount of $xxxx is greater than Guideline maximum loan amount of $xxxx.

Reviewer Comment (2021-01-23): Received evidence that loan amount fits guidelines. Seller Comment (2021-01-22): Please see the attached Rebuttal

Reviewer Comment (2021-01-23): Received evidence that loan amount fits guidelines.

Cleared

01/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305059

19575847

01/17/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-01-21): Received evidence of minimal loss.  Company has no balance sheet. Seller Comment (2021-01-20): Please see the LOE regarding the missing the YTD 2020 Balance Sheet

Reviewer Comment (2021-01-21): Received evidence of minimal loss.  Company has no balance sheet.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305059

19575848

01/17/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-01-21): Business only considered to include the loss in the DTI. Seller Comment (2021-01-20): Please see the LOE regarding the missing the YTD 2020 Balance Sheet

Reviewer Comment (2021-01-21): Business only considered to include the loss in the DTI.

Cleared

01/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302305059

19575849

01/17/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-21): Received evidence of minimal loss.  Company has no balance sheet. Seller Comment (2021-01-20): Please see the LOE regarding the missing the YTD 2020 Balance Sheet

Reviewer Comment (2021-01-21): Received evidence of minimal loss.  Company has no balance sheet.

Cleared

01/21/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302305059

19595423

01/20/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-12): xxxx: Received corrected Note. Seller Comment (2021-02-11): Please see the attached corrective Note and DOT.

Reviewer Comment (2021-02-12): xxxx: Received corrected Note.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274623

19602047

01/21/2021

Compliance

Federal Compliance

TRID Appraisal Disclosure - ECOA Timing

ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.

Reviewer Comment (2021-02-03): Delivery documented. Buyer Comment (2021-01-31): ECOA

Reviewer Comment (2021-02-03): Delivery documented.

Cleared

02/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302274623

19602058

01/21/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 5.73 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-02-08): Additional EMD/Option deposits documented and sourced. Buyer Comment (2021-02-04): Lender Response: "See printout for the rest of EMD received by builder for amount $16987. Bank statements attached to show sourced." Uploaded Bank Statements and EMD statement.

Reviewer Comment (2021-02-08): Additional EMD/Option deposits documented and sourced.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274623

19777787

02/03/2021

Compliance

Federal Compliance

TRID Closing Disclosure Lump Sum Allocation

Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).

Reviewer Comment (2021-02-08): Itemization provided.

Reviewer Comment (2021-02-08): Itemization provided.

Cleared

02/08/2021

N

1

1

A

A

A

A

A

302303154

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302303175

19796007

02/05/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien

TRID Final Closing Disclosure xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xxxx)

Reviewer Comment (2021-02-23): xxxx received seller's CD. Seller Comment (2021-02-17): Uploaded seller CD

Reviewer Comment (2021-02-23): xxxx received seller's CD.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303175

19796008

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $885.50 exceeds tolerance of $825.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302303175

19818381

02/08/2021

Credit

General

Missing Document: Verification of Non-US Citizen Status not provided

Reviewer Comment (2021-02-23): H1B provided for both borrowers. Seller Comment (2021-02-22): see attached

Reviewer Comment (2021-02-23): H1B provided for both borrowers.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265808

19595167

01/20/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-03): PCCD and LOE provided to revise disbursement date. Buyer Comment (2021-01-31): PCCD/LOE

Reviewer Comment (2021-02-03): PCCD and LOE provided to revise disbursement date.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265808

19595449

01/20/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-07): Supplement provided. Buyer Comment (2021-02-04): title addendum

Reviewer Comment (2021-02-07): Supplement provided.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320913

No Finding

Loan Completed Without Finding

Review Complete

02/13/2021

1

1

302456541

19598433

01/20/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-02): Drive report provided. Buyer Comment (2021-01-29): Fraud

Reviewer Comment (2021-02-02): Drive report provided.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302456541

19599865

01/20/2021

Credit

Credit Documentation

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Reviewer Comment (2021-02-02): Express loan confirmed.  DU did not require VOR. Buyer Comment (2021-02-02): Jumbo Express does not require a VOR or VOM.  It follows the AUS requirements.  Please remove this condition.

Reviewer Comment (2021-02-02): Express loan confirmed.  DU did not require VOR.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302248764

18962132

xxxx  10:27:11 AM

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Other, Verification of First and Last Month Rent, Verification of Security Deposit

Reviewer Comment (2020-12-18): Client acknowledged based on the borrower's credit profile.

Reviewer Comment (2020-12-18): Client acknowledged based on the borrower's credit profile.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by at least 40 points.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302243261

19361925

xxxx  12:08:25 PM

Compliance

Federal Compliance

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Reviewer Comment (2021-01-11): Received ROR. Seller Comment (2021-01-07): Right to Cancel

Reviewer Comment (2021-01-11): Received ROR.

Cleared

01/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320931

No Finding

Loan Completed Without Finding

Review Complete

02/11/2021

1

1

302244941

19459502

01/06/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-01-29): xxxx received copy of Refund check, proof of mailing,  Letter of Explanation & Corrected Closing Disclosure Seller Comment (2021-01-27): PCCD

Reviewer Comment (2021-01-29): xxxx received copy of Refund check, proof of mailing,  Letter of Explanation & Corrected Closing Disclosure

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302244941

19459504

01/06/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $427.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-01-29): xxxx received lender attestation that 12-2 LE was not delivered to borrower. Seller Comment (2021-01-26): LOE

Reviewer Comment (2021-01-29): xxxx received lender attestation that 12-2 LE was not delivered to borrower.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278876

19674651

01/26/2021

Compliance

Federal Compliance

TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD

TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/xxxx)

Reviewer Comment (2021-01-28): Post Close CD reflecting revisions and email explanation to borrower provided.

Reviewer Comment (2021-01-28): Post Close CD reflecting revisions and email explanation to borrower provided.

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302278876

19695070

01/28/2021

Credit

Mortgage / Program Eligibility

Guideline Requirement: Loan to value discrepancy.

Calculated loan to value percentage of 85.00000% exceeds Guideline loan to value percentage of 80.00000%.

Reviewer Comment (2021-02-18): Client acknowledged based on meeting the lender guidelines.

Reviewer Comment (2021-02-18): Client acknowledged based on meeting the lender guidelines.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305672

19553868

01/14/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflecting a $500 credit, LOX, copy of refund check and evidence of delivery. Seller Comment (2021-02-18): PCCD / Refund

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflecting a $500 credit, LOX, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302278887

19595896

01/20/2021

Credit

Closing / Title

Missing Document: Security Instrument - Subject Lien not provided

Reviewer Comment (2021-02-07): Received mortgage. Seller Comment (2021-02-05): DOT

Reviewer Comment (2021-02-07): Received mortgage.

Cleared

02/07/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302278887

19595898

01/20/2021

Credit

Closing / Title

Missing Document: Rider - Second Home not provided

Reviewer Comment (2021-02-07): Received 2nd home Rider. Seller Comment (2021-02-05): 2nd Home Rider

Reviewer Comment (2021-02-07): Received 2nd home Rider.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278887

19595899

01/20/2021

Credit

Closing / Title

Missing Document: Rider - PUD not provided

Reviewer Comment (2021-02-07): Received PUD Rider. Seller Comment (2021-02-05): PUD Rider

Reviewer Comment (2021-02-07): Received PUD Rider.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286870

No Finding

Loan Completed Without Finding

Review Complete

01/27/2021

1

1

302286700

19622231

01/21/2021

Compliance

State Compliance

Illinois SB 1894

IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.

Reviewer Comment (2021-02-12): Received disclosure. Seller Comment (2021-02-11): Certificate of Compliance

Reviewer Comment (2021-02-12): Received disclosure.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302184455

No Finding

Loan Completed Without Finding

Review Complete

01/29/2021

1

1

302170745

19666973

01/26/2021

Compliance

Federal Compliance

TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure

TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/xxxx)

Reviewer Comment (2021-01-27): Corrected CD provided on xxxx.

Reviewer Comment (2021-01-27): Corrected CD provided on xxxx.

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302170745

19910016

02/16/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $420.00 exceeds tolerance of $329.00 plus 10% or $361.90.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302318342

19777071

02/03/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 49.01404% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)

Reviewer Comment (2021-02-12): Provided Obituary for separated Spouse to removed Alimony and child support obligationsxxxx

Reviewer Comment (2021-02-12): Provided Obituary for separated Spouse to removed Alimony and child support obligationsxxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318342

19777090

02/03/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-12): Provided signed and dated Gap in employment letter.xxxx Seller Comment (2021-02-11): Gap Letter

Reviewer Comment (2021-02-12): Provided signed and dated Gap in employment letter.xxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318342

19777091

02/03/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-02-12): Provided signed and dated Gap in employment letter.xxxx Seller Comment (2021-02-11): Gap Letter

Reviewer Comment (2021-02-12): Provided signed and dated Gap in employment letter.xxxx

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302318342

19777163

02/03/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-02-12): Provided Obituary for separated Spouse to removed Alimony and child support obligationsxxxx Seller Comment (2021-02-11): Ex-Spouse is deceased; alimony and child support no longer obligated

Reviewer Comment (2021-02-12): Provided Obituary for separated Spouse to removed Alimony and child support obligationsxxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318342

19777194

02/03/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-12): Provided the Replacement Cost Estimate.xxxx Seller Comment (2021-02-11): HOI

Reviewer Comment (2021-02-12): Provided the Replacement Cost Estimate.xxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318342

19777287

02/03/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 49.01404% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-02-12): Provided Obituary of deceased Spouse to omit the Alimony and child support.xxxx Seller Comment (2021-02-11): Ex-Spouse is deceased; alimony and child support no longer obligated

Reviewer Comment (2021-02-12): Provided Obituary of deceased Spouse to omit the Alimony and child support.xxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318342

19777298

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (8304)

Reviewer Comment (2021-02-03): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2021-02-03): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302318342

19777300

02/03/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-02-12): Provided Obituary for separated Spouse to removed Alimony and child support obligationsxxxx

Reviewer Comment (2021-02-12): Provided Obituary for separated Spouse to removed Alimony and child support obligationsxxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318106

19599556

01/20/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Homeowners Insurance Included In Escrow

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/xxxx)

Reviewer Comment (2021-02-15): Documentation provided that borrowers requested escrow waiver at time of settlement. Seller Comment (2021-02-10): Borrowers request to waive escrows at Settlement - Final Settlement Statement, Request, 12/31 Lock Confirmation

Reviewer Comment (2021-02-15): Documentation provided that borrowers requested escrow waiver at time of settlement.

Cleared

02/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318106

19599557

01/20/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Property Taxes Included In Escrow

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx incorrectly disclosed whether property taxes are included in escrow. (Final/xxxx)

Reviewer Comment (2021-02-15): Documentation provided that borrowers requested escrow waiver at time of settlement. Seller Comment (2021-02-10): Borrowers request to waive escrows at Settlement - Final Settlement Statement, Request, 12/31 Lock Confirmation

Reviewer Comment (2021-02-15): Documentation provided that borrowers requested escrow waiver at time of settlement.

Cleared

02/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318106

19599558

01/20/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/xxxx)

Reviewer Comment (2021-02-15): Documentation provided that borrowers requested escrow waiver at time of settlement. Seller Comment (2021-02-10): Borrowers request to waive escrows at Settlement - Final Settlement Statement, Request, 12/31 Lock Confirmation

Reviewer Comment (2021-02-15): Documentation provided that borrowers requested escrow waiver at time of settlement.

Cleared

02/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336625

No Finding

Loan Completed Without Finding

Review Complete

02/02/2021

1

1

302114195

19871722

02/10/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-25): Rec'd updated commitment Seller Comment (2021-02-24): Title

Reviewer Comment (2021-02-25): Rec'd updated commitment

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302114195

19886300

02/11/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-25): Rec'd credit refresh. Seller Comment (2021-02-24): Lender Response: "We use the refresh to confirm that. It was paid through November. Since we closed & funded in December, he would not have had to make December’s payment" Uploaded Credit Report.

Reviewer Comment (2021-02-25): Rec'd credit refresh.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243687

19211735

xxxx  4:48:30 PM

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-01-07): Verification of primary residence payment provided. Buyer Comment (2020-12-30): Mortgage history uploaded

Reviewer Comment (2021-01-07): Verification of primary residence payment provided.

Cleared

01/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243686

19592812

01/20/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-01-28): xxxx received a corrected PCCD indicating will not have escrow reason and LOE. Buyer Comment (2021-01-25): PCCD

Reviewer Comment (2021-01-28): xxxx received a corrected PCCD indicating will not have escrow reason and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302243686

19594820

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,200.00 exceeds tolerance of $1,000.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-20): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-20): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302290126

19570251

01/15/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-01-29): Approve\ineligible DU findings provided. Buyer Comment (2021-01-29): DU Findings attached

Reviewer Comment (2021-01-29): Approve\ineligible DU findings provided.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302334905

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302327059

No Finding

Loan Completed Without Finding

Review Complete

01/26/2021

1

1

302289106

No Finding

Loan Completed Without Finding

Review Complete

01/04/2021

1

1

302335488

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302277138

19598981

01/20/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-01-29): VVOE was provided. Buyer Comment (2021-01-29): VOE uploaded

Reviewer Comment (2021-01-29): VVOE was provided.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277138

19600535

01/20/2021

Compliance

Federal Compliance

Retirement Documentation

Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (xxxx/IRA Distribution)

Reviewer Comment (2021-01-29): Award letter was provided. Buyer Comment (2021-01-29): Award Letter

Reviewer Comment (2021-01-29): Award letter was provided.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277138

19600561

01/20/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-29): VVOE was provided,. Buyer Comment (2021-01-29): VOE uploaded

Reviewer Comment (2021-01-29): VVOE was provided,.

Cleared

01/29/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302327049

19808585

02/08/2021

Compliance

Federal Compliance

C-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (C-Corp). (xxxx/C-Corp 1120)

Reviewer Comment (2021-03-18): Third party verification provided. Seller Comment (2021-03-17): third party verification Reviewer Comment (2021-02-22): CPA letter regarding current employment/ownership arrangement acknowledged and acceptable.  Need third party verification of prior self employment. Seller Comment (2021-02-19): Business verification uploaded

Reviewer Comment (2021-03-18): Third party verification provided. Reviewer Comment (2021-02-22): CPA letter regarding current employment/ownership arrangement acknowledged and acceptable.  Need third party verification of prior self employment.

Cleared

03/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327049

19808631

02/08/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-18): Missing income documentation provided. Reviewer Comment (2021-02-22): CPA letter regarding current employment/ownership arrangement acknowledged and acceptable.  Need third party verification of prior self employment. Seller Comment (2021-02-19): Business verification uploaded

Reviewer Comment (2021-03-18): Missing income documentation provided. Reviewer Comment (2021-02-22): CPA letter regarding current employment/ownership arrangement acknowledged and acceptable.  Need third party verification of prior self employment.

Cleared

03/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302327049

19865583

02/09/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-21): VVOE provided. Seller Comment (2021-02-19): Business verifcation

Reviewer Comment (2021-02-21): VVOE provided.

Cleared

02/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302285394

19557448

01/14/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-18): Transaction date verified as xxxx Buyer Comment (2021-01-15): Please review. Loan closed on 12/18 and disbursed on 12/23.

Reviewer Comment (2021-01-18): Transaction date verified as xxxx

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302285394

19557449

01/14/2021

Compliance

Federal Compliance

TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date

Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Reviewer Comment (2021-01-18): Transaction date verified as xxxx Buyer Comment (2021-01-15): Review requested. Loan closed on xxxxnd disbursed on xxxx.

Reviewer Comment (2021-01-18): Transaction date verified as xxxx

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302285394

19557525

01/14/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-01-29): Updated insurance coverage was provided. Buyer Comment (2021-01-29): Updated title policy attached

Reviewer Comment (2021-01-29): Updated insurance coverage was provided.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302285467

19898357

02/12/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Statement

Reviewer Comment (2021-03-04): Verification of REO expense provided. Seller Comment (2021-03-03): REO Documents

Reviewer Comment (2021-03-04): Verification of REO expense provided.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286444

No Finding

Loan Completed Without Finding

Review Complete

01/14/2021

1

1

302286953

19562309

01/15/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-29): Cured -- Letter to borrower, sent cd with corrected disbursal date on file Buyer Comment (2021-01-29): Uploaded PCCD with accurate disbursement date, LOE and proof of delivery.

Reviewer Comment (2021-01-29): Cured -- Letter to borrower, sent cd with corrected disbursal date on file

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302324789

No Finding

Loan Completed Without Finding

Review Complete

01/26/2021

1

1

302289105

19933438

02/17/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-23): Corrected prelim title provided Seller Comment (2021-02-23): Title  upload

Reviewer Comment (2021-02-23): Corrected prelim title provided

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289105

19933677

02/17/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-03-24): Documentation for small Sch C loss provided. Seller Comment (2021-03-22): xxxx balance sheet attached Reviewer Comment (2021-02-23): Per xxxx Jumbo Express guidelines, "All borrowers owning 25% or more of a business or entity must provided a year-to-date P&L and balance sheet for that entity, regardless of whether or not the business income is used to qualify" This would apply to losses as well. Reviewer Comment (2021-02-19): Missing Balance sheet Seller Comment (2021-02-18): Third party verification not required  the Schedule C business is negative income

Reviewer Comment (2021-03-24): Documentation for small Sch C loss provided. Reviewer Comment (2021-02-23): Per xxxx Jumbo Express guidelines, "All borrowers owning 25% or more of a business or entity must provided a year-to-date P&L and balance sheet for that entity, regardless of whether or not the business income is used to qualify" This would apply to losses as well. Reviewer Comment (2021-02-19): Missing Balance sheet

Cleared

03/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289105

19933679

02/17/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-23): Provided evidence of initial CD Seller Comment (2021-02-22): Tracking to show the xxxx CD was not delivered to the borrower, because the CD issued xxxx and signed xxxx is the closing CD.

Reviewer Comment (2021-02-23): Provided evidence of initial CD

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289105

19933680

02/17/2021

Compliance

Federal Compliance

TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date

Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Reviewer Comment (2021-02-23): Provided evidence of initial CD Reviewer Comment (2021-02-23): Provide signed and dated lender attestation that the CD issued 1/7/2021 was not sent to the borrower. Seller Comment (2021-02-22): Tracking to show the xxxx CD was not delivered to the borrower, because the CD issued xxxx and signed xxxx is the closing CD. Seller Comment (2021-02-22): Good afternoon, Please see below from my branch and advise; The initial CD was issued on 12/11 with a revised CD issued on 12/16. The entire closing doc package was sent on 1/6 and doc package was sent to escrow to be signed with a notary for closing.  Prior to signing the closing docs, I rebalanced with escrow and sent an updated CD on 1/7 for escrow to have signed at closing with a notary.  The closing docs and updated CDs after docs go to escrow, not to the borrower. Seller Comment (2021-02-22): Per Lender xxxx is the closing/consummation CD. it was signed xxxx the day of closing: Good afternoon, Please see below from my branch and advise; The initial CD was issued on 12/11 with a revised CD issued on 12/16. The entire closing doc package was sent on 1/6 and doc package was sent to escrow to be signed with a notary for closing.  Prior to signing the closing docs, I rebalanced with escrow and sent an updated CD on 1/7 for escrow to have signed at closing with a notary.  The closing docs and updated CDs after docs go to escrow, not to the borrower.

Reviewer Comment (2021-02-23): Provided evidence of initial CD Reviewer Comment (2021-02-23): Provide signed and dated lender attestation that the CD issued 1/7/2021 was not sent to the borrower.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289105

19933701

02/17/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-24): Documentation for small Sch C loss provided.

Reviewer Comment (2021-03-24): Documentation for small Sch C loss provided.

Cleared

03/24/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302289105

19933703

02/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $5,495.63 exceeds tolerance of $5,374.00.  Insufficient or no cure was provided to the borrower. (7325)

Reviewer Comment (2021-03-04): xxxx received 12/16 CD and VCC. Seller Comment (2021-02-26): xxxx CD and COC Reviewer Comment (2021-02-23): xxxxoes not correspond to any disclosures provided. Seller Comment (2021-02-22): Uploaded COC Seller Comment (2021-02-18): Re Review: Change of Circumstance dated xxxxage 205 does support a change in loan amount directly resulting in an increase in loan points.

Reviewer Comment (2021-03-04): xxxx received 12/16 CD and VCC. Reviewer Comment (2021-02-23): xxxxoes not correspond to any disclosures provided.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289105

19933755

02/17/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx 1099, Award Letter / Continuance Letter Business License, Third Party Verification

Reviewer Comment (2021-03-24): Documentation for small Sch C loss provided. Reviewer Comment (2021-03-19): Missing pension documentation for xxxx. Please provide 1099 and award letter. Seller Comment (2021-03-18): Distribution letter attached Reviewer Comment (2021-02-23): Received social security award letters.  Please provide pension award letter. Reviewer Comment (2021-02-19): Missing Pension Award letter for $xxxx for Co-borrower Seller Comment (2021-02-18): Third party verification not required  the Schedule C business is negative income

Reviewer Comment (2021-03-24): Documentation for small Sch C loss provided. Reviewer Comment (2021-03-19): Missing pension documentation for xxxx. Please provide 1099 and award letter. Reviewer Comment (2021-02-23): Received social security award letters.  Please provide pension award letter. Reviewer Comment (2021-02-19): Missing Pension Award letter for $xxxx for Co-borrower

Cleared

03/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289105

19956883

02/19/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - Schedule C

Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (xxxx/Schedule C)

Reviewer Comment (2021-03-24): Documentation for small Sch C loss provided.

Reviewer Comment (2021-03-24): Documentation for small Sch C loss provided.

Cleared

03/24/2021

N

3

1

A

A

A

A

A

302289105

19956884

02/19/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-03-24): Documentation for small Sch C loss provided.

Reviewer Comment (2021-03-24): Documentation for small Sch C loss provided.

Cleared

03/24/2021

N

1

1

A

A

A

A

A

302323388

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302290278

19865284

02/09/2021

Compliance

Federal Compliance

RESPA -  Initial Escrow Account statement Inaccurate

RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

Reviewer Comment (2021-02-26):xxxx:  Received IEADS.  Exception has been cleared. Seller Comment (2021-02-25): Please see docs uploaded to TRID exceptions.

Reviewer Comment (2021-02-26):xxxx:  Received IEADS.  Exception has been cleared.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290278

19865285

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302290278

19888288

02/11/2021

Compliance

Federal Compliance

Capital Gains Assets

Qualified Mortgage (Dodd-Frank 2014): Documentation to support Capital Gains income requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-03-17): 2017 1040 Tax Returns was provided. Seller Comment (2021-03-16): 2017 1040 signature attached Seller Comment (2021-03-16): 2017 1040s attached

Reviewer Comment (2021-03-17): 2017 1040 Tax Returns was provided.

Cleared

03/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290278

19888289

02/11/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-03-17): 2017 1040 Tax Returns was provided.

Reviewer Comment (2021-03-17): 2017 1040 Tax Returns was provided.

Cleared

03/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290278

19888290

02/11/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-17): 2017 1040 Tax Returns was provided.

Reviewer Comment (2021-03-17): 2017 1040 Tax Returns was provided.

Cleared

03/17/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302290278

19888403

02/11/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Escrowed Property Costs Year 1 -  October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 11,070.30 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-26):xxxx:  Received IEADS.  Exception has been cleared. Seller Comment (2021-02-23): Uploaded PCCD, LOE and tracking info

Reviewer Comment (2021-02-26):xxxx:  Received IEADS.  Exception has been cleared.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290278

19888405

02/11/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1395111)

Reviewer Comment (2021-02-26):xxxx:  Received IEADS.  Exception has been cleared. Seller Comment (2021-02-23): Please see uploaded PCCD, LOE and tracking info

Reviewer Comment (2021-02-26):xxxx:  Received IEADS.  Exception has been cleared.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303119

19849615

02/09/2021

Credit

Mortgage / Program Eligibility

Missing Document: Note - Subordinate Lien not provided

Reviewer Comment (2021-03-04): Received the HELOC Agreement and Disclosure. Seller Comment (2021-03-03): Note uploaded

Reviewer Comment (2021-03-04): Received the HELOC Agreement and Disclosure.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303119

19849808

02/09/2021

Credit

Lien

Missing evidence of lien position on Other Financing.

Lien Position: 2

Reviewer Comment (2021-03-11): Automatic subordination statute requirements have been met. Seller Comment (2021-03-10): please see attached auto-subordination for the state of MD; no subordination agreement needed Reviewer Comment (2021-03-09): 3/9/2021:  Unable to clear.  The 2nd lien is an existing loan being subordinated.    Missing a copy of the subordination agreement.  Exception remains open. Seller Comment (2021-03-08): This condition should have been cleared

Reviewer Comment (2021-03-11): Automatic subordination statute requirements have been met. Reviewer Comment (2021-03-09): 3/9/2021:  Unable to clear.  The 2nd lien is an existing loan being subordinated.    Missing a copy of the subordination agreement.  Exception remains open.

Cleared

03/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327775

19673833

01/26/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-02-10): Policy with amended effective date provided. Buyer Comment (2021-02-05): Hazard policy with an effective date of 12/22

Reviewer Comment (2021-02-10): Policy with amended effective date provided.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327775

19674460

01/26/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Closing Fee to Fidelity.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77219)

Reviewer Comment (2021-02-24): Sufficient cure was provided. Buyer Comment (2021-02-18): Please review; fed ex tracking indicates package delivered 2/16 Reviewer Comment (2021-02-11): xxxx received PCCD datedxxxx, LOE datedxxxx, refund check for $435 dated 2/9/2021 and mailing label.  FedEx  tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2021-02-10): Uploaded LOE, refund check PCCD and proof of delivery.

Reviewer Comment (2021-02-24): Sufficient cure was provided. Reviewer Comment (2021-02-11): xxxx received PCCD datedxxxx, LOE datedxxxx, refund check for $435 dated 2/9/2021 and mailing label.  FedEx  tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327775

19674461

01/26/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Closing Fee to Premier Escrow.  Fee Amount of $310.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77220)

Reviewer Comment (2021-02-24): Sufficient cure was provided. Buyer Comment (2021-02-18): Please review; fed ex tracking indicates package delivered 2/16 Reviewer Comment (2021-02-11): xxxx received PCCD datedxxxx, LOE datedxxxx, refund check for $435 dated 2/9/2021 and mailing label.  FedEx  tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2021-02-10): Please see uploaded LOE, refund check PCCD and proof of delivery.

Reviewer Comment (2021-02-24): Sufficient cure was provided. Reviewer Comment (2021-02-11): xxxx received PCCD datedxxxx, LOE datedxxxx, refund check for $435 dated 2/9/2021 and mailing label.  FedEx  tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327775

20014581

02/24/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Closing Fee to Fidelity.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (77219)

Reviewer Comment (2021-02-24): xxxx received PCCD, LOE, copy of refund check, and proof of delivery; exception is cured.

Reviewer Comment (2021-02-24): xxxx received PCCD, LOE, copy of refund check, and proof of delivery; exception is cured.

Cured

N

3

2

B

B

B

B

B

302327775

20014582

02/24/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Closing Fee to Premier Escrow.  Fee Amount of $310.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (77220)

Reviewer Comment (2021-02-24): xxxx received PCCD, LOE, copy of refund check, and proof of delivery; exception is cured.

Reviewer Comment (2021-02-24): xxxx received PCCD, LOE, copy of refund check, and proof of delivery; exception is cured.

Cured

N

3

2

B

B

B

B

B

302320419

19568146

01/15/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-02-02): Coverage coincides with disbursement. Buyer Comment (2021-01-29): PCCD uploaded reflecting disbursement date is same as effective date of HOI policy

Reviewer Comment (2021-02-02): Coverage coincides with disbursement.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320418

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302326566

19641109

01/22/2021

Compliance

Federal Compliance

TRID Appraisal Disclosure - ECOA Timing

ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.

Reviewer Comment (2021-02-03): Dates are acceptable per lender holiday schedule. Buyer Comment (2021-01-29): Please see uploaded Holiday schedule. Receipt within 3 business days of application.

Reviewer Comment (2021-02-03): Dates are acceptable per lender holiday schedule.

Cleared

02/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302326566

19641110

01/22/2021

Compliance

Federal Compliance

RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application

RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.

Reviewer Comment (2021-01-28): Disclosure documented. Buyer Comment (2021-01-26): Please review. Initial application dated 12/1/20. Homeowners counselors list dated 12/1/20. Disclosure tracking in file.

Reviewer Comment (2021-01-28): Disclosure documented.

Cleared

01/28/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302326566

19641111

01/22/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-03-02): Received documentation to verify when the borrowers received the CD dated xxxx. Buyer Comment (2021-02-26): LOE

Reviewer Comment (2021-03-02): Received documentation to verify when the borrowers received the CD dated xxxx.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302326566

19641112

01/22/2021

Compliance

Federal Compliance

TRID Loan Estimate Timing

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xxxx)

Reviewer Comment (2021-02-03): Dates are acceptable per lender holiday schedule. Buyer Comment (2021-01-29): Please see uploaded Holiday schedule. Receipt within 3 business days of application.

Reviewer Comment (2021-02-03): Dates are acceptable per lender holiday schedule.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302326566

19641114

01/22/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $225.50 exceeds tolerance of $180.00 plus 10% or $198.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302326566

19641382

01/22/2021

Credit

Guideline Issue

Borrower does not have the minimum open tradelines per guidelines.

Reviewer Comment (2021-03-02): Lender approved an exception to allow the lack of required tradelines. Clean mortgage history and strong reserves were noted as compensating factors. Buyer Comment (2021-03-01): Shouldn't this be cleared? Reviewer Comment (2021-02-24): Lender exception in file, client to review Buyer Comment (2021-02-22): An investor exception was approved for tradelines.  Compensating Factors:  105 months reserves, residual income $xxxx

Reviewer Comment (2021-03-02): Lender approved an exception to allow the lack of required tradelines. Clean mortgage history and strong reserves were noted as compensating factors. Reviewer Comment (2021-02-24): Lender exception in file, client to review

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302326566

19663456

01/25/2021

Compliance

State Compliance

Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely)

Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of  receipt of the loan application.

Reviewer Comment (2021-03-03): 3/3/2021:  Lender's 2020 holiday calendar reflects 11/26 and 11/27 as holiday for Thanksgiving.  The 3 days would be 11/25, 11/30 and 12/1 (11/28 and 11/29 are Sat and Sun).  Disclosure was sent within the 3 days.   Exception has been cleared. Buyer Comment (2021-03-01): Please clear Holiday schedule provided for LE.

Reviewer Comment (2021-03-03): 3/3/2021:  Lender's 2020 holiday calendar reflects 11/26 and 11/27 as holiday for Thanksgiving.  The 3 days would be 11/25, 11/30 and 12/1 (11/28 and 11/29 are Sat and Sun).  Disclosure was sent within the 3 days.   Exception has been cleared.

Cleared

03/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302326566

20087021

03/02/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xxxx)

Reviewer Comment (2021-03-03): 3/3/2021:  Lender's 2020 holiday calendar reflects 11/26 and 11/27 as holiday for Thanksgiving.  The 3 days would be 11/25, 11/30 and 12/1 (11/28 and 11/29 are Sat and Sun).  Disclosure was sent within the 3 days.   Exception has been cleared.

Reviewer Comment (2021-03-03): 3/3/2021:  Lender's 2020 holiday calendar reflects 11/26 and 11/27 as holiday for Thanksgiving.  The 3 days would be 11/25, 11/30 and 12/1 (11/28 and 11/29 are Sat and Sun).  Disclosure was sent within the 3 days.   Exception has been cleared.

Cleared

03/03/2021

N

3

1

A

A

A

A

A

302330562

19914745

02/16/2021

Credit

General Appraisal Requirements

Valuation Error: Subject photos are missing or not legible.

Valuation Type: Appraisal / Valuation Report Date: xxxx

Reviewer Comment (2021-02-24): Full appraisal with color photos provided Seller Comment (2021-02-23): Appraisal uploaded

Reviewer Comment (2021-02-24): Full appraisal with color photos provided

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302334880

19569520

01/15/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-01-25): Express program and DU findings do not require VOR. Buyer Comment (2021-01-23): Please waive not required. Express guidelines follow DU

Reviewer Comment (2021-01-25): Express program and DU findings do not require VOR.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302334880

19569729

01/15/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-01-25): Minor loss included in DTI.  Further verification not required. Buyer Comment (2021-01-23): Please waive, Co borrower has negative income. No positive income being used in qualification therefore a employment history is not required

Reviewer Comment (2021-01-25): Minor loss included in DTI.  Further verification not required.

Cleared

01/25/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302336684

19899606

02/12/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-03-11):xxxx:  Received the Corrected CD and the Letter of Explanation.   Exception has been cured. Seller Comment (2021-03-09): PCCD, LOE and proof of delivery

Reviewer Comment (2021-03-11):xxxx:  Received the Corrected CD and the Letter of Explanation.   Exception has been cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302331386

19810085

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclouse Amount of Non-Escrowed Property Costs over Year 1 (Final/xxxx)

Reviewer Comment (2021-03-03): Updated appraisal provided removing HOA fees. Seller Comment (2021-02-26): Corrected Apprasal removing HOA. Per Lender there is no HOA

Reviewer Comment (2021-03-03): Updated appraisal provided removing HOA fees.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302070947

19169201

12/05/2020

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-01-27): Inspection dated xxxxndicates no damage.

Reviewer Comment (2021-01-27): Inspection dated xxxxndicates no damage.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302070947

19169269

12/05/2020

Compliance

Federal Compliance

Federal FACTA Disclosure Timing Test

FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.

Reviewer Comment (2021-01-22): Disclosure provided. Buyer Comment (2021-01-21): FACTA

Reviewer Comment (2021-01-22): Disclosure provided.

Cleared

01/22/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302070947

19169271

12/05/2020

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2020-12-08): Disclosure provided. Buyer Comment (2020-12-08): MLO

Reviewer Comment (2020-12-08): Disclosure provided.

Cleared

12/08/2020

N

2

1

B

A

B

A

B

A

B

A

B

A

302070947

19169272

12/05/2020

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 23,771.88 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-21): Received the lender's calculation for the annual costs; lender cured on the PCCD dated 12.15.2020.

Reviewer Comment (2021-01-21): Received the lender's calculation for the annual costs; lender cured on the PCCD dated 12.15.2020.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302070947

19169274

12/05/2020

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-01-20): Current and prior dates verified for xxxx. Buyer Comment (2021-01-18): xxxx current and prior VVOE attached Buyer Comment (2021-01-18): Current and prior VVOE for Edwin Yee attached

Reviewer Comment (2021-01-20): Current and prior dates verified for xxxx.

Cleared

01/20/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302070947

19169275

12/05/2020

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-01-25): Lender/borrower attest that prior employer is no longer in business and thus unable to provide third party verification of employment.   Loan is Safe Harbor QM and this is an EV2 exception. Buyer Comment (2021-01-22): Emprove is no longer in business.  LOE from borrower attached Reviewer Comment (2021-01-22): Current employment (xxxx) verified.  Still need verification of prior employment dates (xxxx). Buyer Comment (2021-01-22): VVOE for xxxx attached

Reviewer Comment (2021-01-25): Lender/borrower attest that prior employer is no longer in business and thus unable to provide third party verification of employment.   Loan is Safe Harbor QM and this is an EV2 exception. Reviewer Comment (2021-01-22): Current employment (xxxx) verified.  Still need verification of prior employment dates (xxxx).

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302096491

No Finding

Loan Completed Without Finding

Review Complete

01/04/2021

1

1

302114191

19386140

xxxx  4:37:18 PM

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2020-12-30): Disclosure provided. Buyer Comment (2020-12-30): LO comp

Reviewer Comment (2020-12-30): Disclosure provided.

Cleared

xxxx  11:50:04 PM

N

2

1

A

A

A

A

A

302326563

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

301835964

19843196

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,050.00 exceeds tolerance of $875.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

301835964

19843197

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

301955100

19567055

01/15/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-01-25): Disclosure/worksheet provided. Buyer Comment (2021-01-22): TNB

Reviewer Comment (2021-01-25): Disclosure/worksheet provided.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301955100

19567057

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-01-15): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-15): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

301983851

19215331

xxxx  9:24:16 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75106)

Reviewer Comment (2021-02-05): Cure docs were provided. Buyer Comment (2021-02-03): Per lender package was shipped please clear Reviewer Comment (2021-01-27): xxxx received PCCD and LOE datedxxxxcopy of check datedxxxxnd mailing label datedxxxxUPS  tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Buyer Comment (2021-01-25): PCxxxxMAIL Reviewer Comment (2020-12-22): xxxx received COC however it does not indicate why (the changed circumstance) the fee was required at that time. Please provide a detailed VCC or please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-20): COC

Reviewer Comment (2021-02-05): Cure docs were provided. Reviewer Comment (2021-01-27): xxxx received PCCD and LOE datedxxxxcopy of check datedxxxxnd mailing label datedxxxxUPS  tracking indicates label has been created, but package has not been shipped. Proof of mailing required to cure. Reviewer Comment (2020-12-22): xxxx received COC however it does not indicate why (the changed circumstance) the fee was required at that time. Please provide a detailed VCC or please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301983851

19795657

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (75106)

Reviewer Comment (2021-02-05): xxxx received corrected PCCD showing cure amount in section J, LOE to borrower, copy of $150 refund check, and proof of mailing. 0% tolerance violation for collateral desktop fee has been cured.

Reviewer Comment (2021-02-05): xxxx received corrected PCCD showing cure amount in section J, LOE to borrower, copy of $150 refund check, and proof of mailing. 0% tolerance violation for collateral desktop fee has been cured.

Cured

N

3

2

B

B

B

B

B

301983850

19383571

xxxx  12:52:07 PM

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Buyer Comment (2021-01-28): Borrower received complete appraisal on or after the Effective Date of the Appraisal but prior to the UW requested appraisal revision. The UW requested appraisal revision triggered a new Appraiser signature date, but did not affect the value of the property. Appraisal with UW requested revision was not sent to the borrower(s). No further documentation required to acknowledge exception.

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

301983850

19383572

xxxx  12:52:07 PM

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-02-02): xxxx received 11/19 CD. Buyer Comment (2021-01-28): Uploaded initial CD

Reviewer Comment (2021-02-02): xxxx received 11/19 CD.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301983850

19383573

xxxx  12:52:12 PM

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-01-12): Worksheet provided. Buyer Comment (2021-01-08): TNB

Reviewer Comment (2021-01-12): Worksheet provided.

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301983850

19383574

xxxx  12:52:12 PM

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $600.00 exceeds tolerance of $314.00 plus 10% or $345.40.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2020-12-30): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-30): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

301989994

19868604

02/10/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-02-23): Provided MA Tangible Benefit Worksheet Seller Comment (2021-02-22): Uploaded tangible net benefit worksheet

Reviewer Comment (2021-02-23): Provided MA Tangible Benefit Worksheet

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301989994

19896630

02/12/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-24):xxxx:  Copy of original appraisal was sent to the borrower.  The 12/9/2020 was a clerical update and a non-valuation change.   Exception has been cleared. Seller Comment (2021-02-23): Please waive:  Per the lender: The xxxx was for a clerical update. Its a non-valuation change. Appraisal with the clerical change was not provided to the borrower as it was a non valuation change.

Reviewer Comment (2021-02-24):xxxx:  Copy of original appraisal was sent to the borrower.  The 12/9/2020 was a clerical update and a non-valuation change.   Exception has been cleared.

Cleared

02/24/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302037407

19844625

02/09/2021

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2021-02-12): Rate lock provided. Seller Comment (2021-02-12): rate lock

Reviewer Comment (2021-02-12): Rate lock provided.

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302037407

19844626

02/09/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-02-12): Worksheet provided. Seller Comment (2021-02-12): TNB

Reviewer Comment (2021-02-12): Worksheet provided.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302037407

19844628

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302044445

19575264

01/17/2021

Credit

Credit Documentation

Missing Document: Credit Report not provided

Reviewer Comment (2021-01-25): Credit report provided. Buyer Comment (2021-01-24): credit report uploaded

Reviewer Comment (2021-01-25): Credit report provided.

Cleared

01/25/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302044445

19575392

01/17/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-02): Borrower employment dates verified. Buyer Comment (2021-01-29): VOE attached

Reviewer Comment (2021-02-02): Borrower employment dates verified.

Cleared

02/02/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302044445

19575393

01/17/2021

Compliance

Federal Compliance

FACTA Disclosure Missing

FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Reviewer Comment (2021-01-25): FACTA disclosures provided. Buyer Comment (2021-01-24): FACTA

Reviewer Comment (2021-01-25): FACTA disclosures provided.

Cleared

01/25/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302044445

19575394

01/17/2021

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2021-01-25): Rate lock provided. Buyer Comment (2021-01-24): lock

Reviewer Comment (2021-01-25): Rate lock provided.

Cleared

01/25/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302044445

19575395

01/17/2021

Compliance

Federal Compliance

General Ability To Repay Provision Credit History

Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records.

Reviewer Comment (2021-01-25): Credit report provided.

Reviewer Comment (2021-01-25): Credit report provided.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302044445

19575396

01/17/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-25): Credit report provided.

Reviewer Comment (2021-01-25): Credit report provided.

Cleared

01/25/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302044445

19575397

01/17/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-01-25): Credit report provided.

Reviewer Comment (2021-01-25): Credit report provided.

Cleared

01/25/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302044445

19575398

01/17/2021

Compliance

Federal Compliance

QM Required Credit Report Not Provided to Evidence Debts

Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (xxxx)

Reviewer Comment (2021-01-25): Credit report provided.

Reviewer Comment (2021-01-25): Credit report provided.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302044445

19575399

01/17/2021

Compliance

Federal Compliance

QM Required Credit Report Not Provided to Evidence Debts

Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (xxxx)

Reviewer Comment (2021-01-25): Credit report provided.

Reviewer Comment (2021-01-25): Credit report provided.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302044445

19575400

01/17/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-01-25): Worksheet/disclosure provided. Buyer Comment (2021-01-24): TNB

Reviewer Comment (2021-01-25): Worksheet/disclosure provided.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302044445

19575401

01/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $645.00 exceeds tolerance of $495.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-17): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-17): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302056191

19964492

02/20/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-03-05): 3/5/2021:  Received the Tangible net benefit worksheet.   Exception has been cleared. Seller Comment (2021-03-04): Tangible net benefit worksheet

Reviewer Comment (2021-03-05): 3/5/2021:  Received the Tangible net benefit worksheet.   Exception has been cleared.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302056191

19964499

02/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75104)

Reviewer Comment (2021-03-05): 3/5/2021:  Lender provided the Final CD.   Exception has been cleared. Seller Comment (2021-03-04): Please re-review. Final CD reflects credit for tolerance increase

Reviewer Comment (2021-03-05): 3/5/2021:  Lender provided the Final CD.   Exception has been cleared.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302056191

20126420

03/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-03-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302096018

19011732

xxxx  4:15:49 PM

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-01-20): 1040's and transcripts provided. Buyer Comment (2021-01-20): 1040's uploaded

Reviewer Comment (2021-01-20): 1040's and transcripts provided.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096018

19011733

xxxx  4:15:49 PM

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-01-15): Borrower acknowledgment provided. Buyer Comment (2021-01-12): Uploaded appraisal verification of receipt.

Reviewer Comment (2021-01-15): Borrower acknowledgment provided.

Cleared

01/15/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302096018

19011734

xxxx  4:15:49 PM

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - REO Schedule E Method Test

Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (Schedule E Method).  File does not contain most recent year Tax Transcripts, signed and dated 1040's or Schedule E. (xxxx/Schedule E)

Reviewer Comment (2021-01-20): 1040's and transcripts provided. Buyer Comment (2021-01-20): 1040's uploaded

Reviewer Comment (2021-01-20): 1040's and transcripts provided.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096018

19011735

xxxx  4:15:49 PM

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - Schedule D

Ability to Repay (Dodd-Frank 2014): Unable to verify Capital Gains income using reasonably reliable third-party records. (xxxx/Schedule D)

Reviewer Comment (2021-01-20): 1040's and transcripts provided. Reviewer Comment (2021-01-20): 2019 1040's provided. Buyer Comment (2021-01-19): taxes uploaded.

Reviewer Comment (2021-01-20): 1040's and transcripts provided. Reviewer Comment (2021-01-20): 2019 1040's provided.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096018

19011738

xxxx  4:15:49 PM

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-20): 1040's and transcripts provided.

Reviewer Comment (2021-01-20): 1040's and transcripts provided.

Cleared

01/20/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302096018

19011739

xxxx  4:15:49 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-01-20): 1040's and transcripts provided.

Reviewer Comment (2021-01-20): 1040's and transcripts provided.

Cleared

01/20/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302096018

19011745

xxxx  4:15:49 PM

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $450.00 exceeds tolerance of $370.00 plus 10% or $407.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2020-11-18): Sufficient Cure Provided At Closing

Reviewer Comment (2020-11-18): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302096018

19011791

xxxx  4:18:45 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018)

Reviewer Comment (2021-01-20): 1040's and transcripts provided. Buyer Comment (2021-01-20): 1040's uploaded

Reviewer Comment (2021-01-20): 1040's and transcripts provided.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096018

19011803

xxxx  4:20:26 PM

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification

Reviewer Comment (2020-12-13): REO expenses documented. Buyer Comment (2020-12-08): REO docs

Reviewer Comment (2020-12-13): REO expenses documented.

Cleared

xxxx  5:23:08 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302096018

19011805

xxxx  4:20:54 PM

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification

Reviewer Comment (2021-01-15): Borrower attestation provided that property is not in an HOA. Buyer Comment (2021-01-12): proof of HOA

Reviewer Comment (2021-01-15): Borrower attestation provided that property is not in an HOA.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096018

19014686

xxxx  10:17:15 PM

Credit

Income Documentation

Income documentation requirements not met according to the AUS in file.

Decision System: DU / DO

Reviewer Comment (2021-01-20): 1040's and transcripts provided. Buyer Comment (2021-01-20): Correction please change the program to Express, LAS reflects Jumbo. Income for Express does not follow the DU it follows appendix Q Buyer Comment (2021-01-20): 2018, 2017 2019 1040's uploaded Buyer Comment (2021-01-20): Loan is Jumbo, AUS is not required

Reviewer Comment (2021-01-20): 1040's and transcripts provided.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302066076

19868666

02/10/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Partial Payments

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xxxx)

Reviewer Comment (2021-03-18):xxxx:  Received the Corrected CD and Letter of Explanation to the borrower.    Exception has been cured. Seller Comment (2021-03-17): PCCD Reviewer Comment (2021-03-10): Received the LOE. As of xxxx, still have not received the corrected Closing Disclosure required to cure this exception. Seller Comment (2021-03-05): LOE

Reviewer Comment (2021-03-18):xxxx:  Received the Corrected CD and Letter of Explanation to the borrower.    Exception has been cured. Reviewer Comment (2021-03-10): Received the LOE. As of xxxx, still have not received the corrected Closing Disclosure required to cure this exception.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302066912

19590581

01/20/2021

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2021-02-03): Rate lock provided. Buyer Comment (2021-01-31): lock confirmation

Reviewer Comment (2021-02-03): Rate lock provided.

Cleared

02/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302066912

19590583

01/20/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-02-03): Disclosure/worksheet provided. Buyer Comment (2021-01-31): TNB

Reviewer Comment (2021-02-03): Disclosure/worksheet provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302066912

19591194

01/20/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-09): Replacement cost estimate verified with insurer. Buyer Comment (2021-02-04): RCE LOE uploaded.

Reviewer Comment (2021-02-09): Replacement cost estimate verified with insurer.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302099570

19936804

02/17/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-02-25): Received worksheet. Seller Comment (2021-02-23): Uploaded tangible net benefit worksheet

Reviewer Comment (2021-02-25): Received worksheet.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302099570

19936958

02/17/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification

Reviewer Comment (2021-03-25): Verified there are no HOA's associated with this property. Seller Comment (2021-03-24): per the borrower: xxxx is our two-family house that does not have an HOA. .

Reviewer Comment (2021-03-25): Verified there are no HOA's associated with this property.

Cleared

03/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228138

19868791

02/10/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-02-26):xxxx:  Document has been received.  Exception has been cleared. Seller Comment (2021-02-24): The disclosure dated xxxx indicates appraisal received by the borrower Reviewer Comment (2021-02-23): Missing evidence of receipt of appraisal by borrower 3 days before closing Seller Comment (2021-02-22): ECOA

Reviewer Comment (2021-02-26):xxxx:  Document has been received.  Exception has been cleared. Reviewer Comment (2021-02-23): Missing evidence of receipt of appraisal by borrower 3 days before closing

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302228138

19870290

02/10/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Partial Payments

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xxxx)

Reviewer Comment (2021-02-26): PCCD and LOE provided. Reviewer Comment (2021-02-25): Letter of Explanation not in trailing. Seller Comment (2021-02-22): PCCD/LOE

Reviewer Comment (2021-02-26): PCCD and LOE provided. Reviewer Comment (2021-02-25): Letter of Explanation not in trailing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302273131

19593624

01/20/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Partial Payments

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xxxx)

Reviewer Comment (2021-02-02): xxxx received a corrected CD and LOE. Buyer Comment (2021-01-28): Please see uploaded LOE and post close CD.

Reviewer Comment (2021-02-02): xxxx received a corrected CD and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302273131

19593625

01/20/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-02): xxxx received a corrected CD and LOE. Buyer Comment (2021-01-28): Uploaded LOE and post close CD.

Reviewer Comment (2021-02-02): xxxx received a corrected CD and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302273131

19599397

01/20/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx Transcripts (2018), Transcripts (2019) Transcripts (2018), Transcripts (2019)

Reviewer Comment (2021-02-03): W2 transcripts provided. Buyer Comment (2021-02-02): Tax transcripts xxxx attached Buyer Comment (2021-01-30): Transcripts uploaded

Reviewer Comment (2021-02-03): W2 transcripts provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288937

19604265

01/21/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-10): Dates of prior self employment documented. Buyer Comment (2021-02-09): The uploaded document is a printed confirmation from the Maryland State Department of Assessments and Taxation confirming the filing of the Articles of Organization.  This is the borrower's previous employment.  A P&L was provided dated xxxx.  Please accept this documentation to satisfy a 24 month work history. Reviewer Comment (2021-02-08): Uploaded document is an application.  Please provide third party (government acceptable) verification of start and end dates for LLC. Buyer Comment (2021-02-04): Borrower was self-employed prior to his current position.  2019 tax returns along with a P & L for 2020.  xxxx.  The company was created on xxxx.  Articles of Inc attached.

Reviewer Comment (2021-02-10): Dates of prior self employment documented. Reviewer Comment (2021-02-08): Uploaded document is an application.  Please provide third party (government acceptable) verification of start and end dates for LLC.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288937

19604266

01/21/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-10): Dates of prior self employment documented. Reviewer Comment (2021-02-08): Uploaded document is an application.  Please provide third party (government acceptable) verification of start and end dates for LLC. Buyer Comment (2021-02-05): Article of incorporation uploaded. Please see top left hand corner of document the filing date was xxxx

Reviewer Comment (2021-02-10): Dates of prior self employment documented. Reviewer Comment (2021-02-08): Uploaded document is an application.  Please provide third party (government acceptable) verification of start and end dates for LLC.

Cleared

02/10/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302288937

19618708

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $620.00 exceeds tolerance of $495.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302327894

19957282

02/19/2021

Credit

General

Missing Document: Rider - Acknowledgment and Waiver of Borrower's Rights not provided

Reviewer Comment (2021-03-10): Rider - Acknowledgment and Waiver of Borrower's Rights was provided. Seller Comment (2021-03-09): see attached

Reviewer Comment (2021-03-10): Rider - Acknowledgment and Waiver of Borrower's Rights was provided.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327894

19958559

02/19/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-03-10): The Lease Agreement was provided. Seller Comment (2021-03-09): see attached

Reviewer Comment (2021-03-10): The Lease Agreement was provided.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327894

19958561

02/19/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-10): The Lease Agreement was provided. Seller Comment (2021-03-09): see attached

Reviewer Comment (2021-03-10): The Lease Agreement was provided.

Cleared

03/10/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302327894

19958579

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,363.50 exceeds tolerance of $3,363.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302214493

19508946

01/11/2021

Credit

Closing / Title

Missing Document: Security Instrument - Subject Lien not provided

Reviewer Comment (2021-01-17): Security instrument provided. Buyer Comment (2021-01-14): Subject lien security instrument attached

Reviewer Comment (2021-01-17): Security instrument provided.

Cleared

01/17/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302214493

19510832

01/11/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-01-17): Coverage exceeds loan amount.  Acceptable. Buyer Comment (2021-01-14): Hazard insurance coverage for $906,000

Reviewer Comment (2021-01-17): Coverage exceeds loan amount.  Acceptable.

Cleared

01/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302214493

19647383

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $650.00 exceeds tolerance of $535.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

301957784

19576629

01/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $625.00 exceeds tolerance of $575.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-18): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-18): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

301957784

19576631

01/18/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 11.41 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2021-03-10): xxxx Statement with balance of $12,493.29 provided. Buyer Comment (2021-03-09): Bank Statement xxxx attached

Reviewer Comment (2021-03-10): xxxx Statement with balance of $12,493.29 provided.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301957784

19576633

01/18/2021

Credit

Guideline Issue

Aged document: Primary Valuation is older than guidelines permit

Valuation Type: Appraisal / Valuation Report Date: xxxx

Reviewer Comment (2021-01-22): Appraisal was 120 days as of Note date.  Acceptable. Buyer Comment (2021-01-21): according to a time and date calendar, the appraisal is 120 days old on the day of closing. 120 days from xxxx is xxxx; please remove exception

Reviewer Comment (2021-01-22): Appraisal was 120 days as of Note date.  Acceptable.

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301989941

19565067

01/15/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $750.00 exceeds tolerance of $214.00 plus 10% or $235.40.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-10): A cure was provided at closing. Buyer Comment (2021-02-04): Please re-review condition. per the closer, $6190.55 was disclosed for title fees in section B and the total amount on the final CD was $4366 in section B, all fees marked accordingly. The only cure needed was $514.60 for recording fees. Actual cure given was $541.60 (typo) so the cure already exceeded the amount needed. Additional $40 check to borrower uploaded.

Reviewer Comment (2021-02-10): A cure was provided at closing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

301989941

19565069

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7561)

Reviewer Comment (2021-03-03): Cure docs and refund provided. Buyer Comment (2021-02-26): Refund docs, PCCD, LOE, copy of check, and proof of mailing. Reviewer Comment (2021-02-10): xxxx reviewed exception. The fee is paid to a lender affiliate therefore tested at 0%. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2021-02-04): Please re-review condition. per the closer, $6190.55 was disclosed for title fees in section B and the total amount on the final CD was $4366 in section B, all fees marked accordingly. The only cure needed was $514.60 for recording fees. Actual cure given was $541.60 (typo) so the cure already exceeded the amount needed. Additional $40 check to borrower uploaded.

Reviewer Comment (2021-03-03): Cure docs and refund provided. Reviewer Comment (2021-02-10): xxxx reviewed exception. The fee is paid to a lender affiliate therefore tested at 0%. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

301989941

19567332

01/15/2021

Credit

Closing / Title

Security Instrument Error: Security instrument loan amount and note original loan amount do not concur.

Reviewer Comment (2021-02-03): CEMA provided. Buyer Comment (2021-01-30): CEMA uploaded

Reviewer Comment (2021-02-03): CEMA provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301989941

19567488

01/15/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-02-08): Payoff statement provided. Buyer Comment (2021-02-04): Uploaded payoff letter

Reviewer Comment (2021-02-08): Payoff statement provided.

Cleared

02/08/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

301989941

19567489

01/15/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-01-20): Lender to lender refi with no new money to the borrower. Buyer Comment (2021-01-19): No new money has been extended to the consumer over the previous lien amount. Please review.

Reviewer Comment (2021-01-20): Lender to lender refi with no new money to the borrower.

Cleared

01/20/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302046411

19394622

xxxx  4:30:06 PM

Compliance

Federal Compliance

Appendix Q Liabilities – Invalid Exclusion Basis

Qualified Mortgage (Dodd-Frank 2014): One or more liabilities have been excluded from DTI calculation for a prohibited reason.

Reviewer Comment (2021-01-21): Permissible exclusion. Reviewer Comment (2021-01-10): Invalid reason for exclusion under appendix Q; guidelines are irrelevant. Buyer Comment (2021-01-07): The excluded liability is open 30-day xxxx account with a balance of $1036 as reflected on the borrower’s credit report; Please clear the finding.

Reviewer Comment (2021-01-21): Permissible exclusion. Reviewer Comment (2021-01-10): Invalid reason for exclusion under appendix Q; guidelines are irrelevant.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302046411

19394623

xxxx  4:30:06 PM

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2021-01-21): Rate lock provided. Buyer Comment (2021-01-20): rate

Reviewer Comment (2021-01-21): Rate lock provided.

Cleared

01/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302046411

19394624

xxxx  4:30:06 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-21): Loan is SHQM.

Reviewer Comment (2021-01-21): Loan is SHQM.

Cleared

01/21/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302046411

19394626

xxxx  4:30:06 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $930.00 exceeds tolerance of $475.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302046411

19394627

xxxx  4:30:06 PM

Compliance

Federal Compliance

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Reviewer Comment (2021-01-21): Signed RTC provided. Buyer Comment (2021-01-20): RTC

Reviewer Comment (2021-01-21): Signed RTC provided.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329352

No Finding

Loan Completed Without Finding

Review Complete

01/26/2021

1

1

302228014

19584402

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $650.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302228014

19584499

01/19/2021

Credit

General

Missing Document: Cancelled Check(s) not provided

Reviewer Comment (2021-02-04): Sufficient assets verified and EMC sourced with bank statement. Buyer Comment (2021-02-01): Please find attached additional assets the lender provided in lieu of a copy of the earnest money check.

Reviewer Comment (2021-02-04): Sufficient assets verified and EMC sourced with bank statement.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228014

19588969

01/19/2021

Credit

General

Missing Document: HUD/CD (Asset) not provided

Reviewer Comment (2021-02-04): Proceeds from sale of departure residence documented. Buyer Comment (2021-02-01): Please find attached the CD from the sale of the departure residence.

Reviewer Comment (2021-02-04): Proceeds from sale of departure residence documented.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250019

19040519

xxxx  10:41:44 AM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Paystubs

Reviewer Comment (2021-02-01): Paystubs provided. Buyer Comment (2021-01-28): Providing two paystubs Reviewer Comment (2021-01-19): W2s provided for both borrowers.  Still need paystubs for B1. Buyer Comment (2021-01-13): W-2s attached

Reviewer Comment (2021-02-01): Paystubs provided. Reviewer Comment (2021-01-19): W2s provided for both borrowers.  Still need paystubs for B1.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250019

19040647

xxxx  10:52:45 AM

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xxxx)

Reviewer Comment (2020-12-16): Acknowledgment provided. Buyer Comment (2020-12-14): Appraisal delivery

Reviewer Comment (2020-12-16): Acknowledgment provided.

Cleared

xxxx  11:59:15 AM

N

2

1

B

A

B

A

B

A

B

A

B

A

302250019

19040668

xxxx  10:54:21 AM

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2020-12-18): xxxx received disclosure tracking indicating the initial CD was received the same day issued. Buyer Comment (2020-12-16): CD delivery uses specific business days, Mon-Sat, excluding federal holidays. xxxx is 3 business days prior to xxxx. 7th, 6th & 5th, 5th is the 3rd day before consummation. Reviewer Comment (2020-12-16): Acknowledge 11/5 date.  However, that is less than three business prior to Note date. Buyer Comment (2020-12-14): xxxx initial CD viewed, see doc tracking

Reviewer Comment (2020-12-18): xxxx received disclosure tracking indicating the initial CD was received the same day issued. Reviewer Comment (2020-12-16): Acknowledge 11/5 date.  However, that is less than three business prior to Note date.

Cleared

xxxx  2:05:12 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302250019

19040670

xxxx  10:54:21 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2020-12-18): xxxx received 10/26 VCC and LE. Buyer Comment (2020-12-16): LE and COC

Reviewer Comment (2020-12-18): xxxx received 10/26 VCC and LE.

Cleared

xxxx  2:21:15 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302289108

19866588

02/10/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-25): Received DU dated xxxx with an Approve/Ineligible recommendation. Seller Comment (2021-02-24): AUS findings

Reviewer Comment (2021-02-25): Received DU dated xxxx with an Approve/Ineligible recommendation.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288847

19866907

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302288847

19866908

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $60.65 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302288847

19866923

02/10/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-03-03): Evidence of earlier electronic delivery provided. Seller Comment (2021-02-25): Evidence initial CD reviewed xxxx Reviewer Comment (2021-02-23): xxxx received lender correspondence. Please provide receipt if 12/22 CD was received prior to 12/26. Seller Comment (2021-02-18): Uploaded lender LOE

Reviewer Comment (2021-03-03): Evidence of earlier electronic delivery provided. Reviewer Comment (2021-02-23): xxxx received lender correspondence. Please provide receipt if 12/22 CD was received prior to 12/26.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288847

19899362

02/12/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-18): DU findings provided. Seller Comment (2021-02-17): AUS uploaded

Reviewer Comment (2021-02-18): DU findings provided.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288847

20098704

03/03/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-03-03): Evidence of earlier electronic delivery provided.

Reviewer Comment (2021-03-03): Evidence of earlier electronic delivery provided.

Cleared

03/03/2021

N

3

1

A

A

A

A

A

302304035

19887564

02/11/2021

Compliance

Federal Compliance

Appendix Q Liabilities – Invalid Exclusion Basis

Qualified Mortgage (Dodd-Frank 2014): One or more liabilities have been excluded from DTI calculation for a prohibited reason.

Reviewer Comment (2021-03-05): 3/5/2021:  Received bank statements from xxxx for checking account #xxxx that was not supplied at origination.   The bank statement reflects that xxxx was paid on xxxx.  Exception has been cleared. Seller Comment (2021-03-04): xxxx payoff docs: LOE & bank statements

Reviewer Comment (2021-03-05): 3/5/2021:  Received bank statements from xxxx for checking account #xxxx that was not supplied at origination.   The bank statement reflects that xxxx was paid on xxxx.  Exception has been cleared.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304035

19887598

02/11/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-05): 3/5/2021:  Received the bank statement reflecting payoff of xxxx.  Exception has been cleared. Seller Comment (2021-03-04): Please see attached statements reflecting sufficient assets to pay xxxx.  Borrower is reimbursed from employer.

Reviewer Comment (2021-03-05): 3/5/2021:  Received the bank statement reflecting payoff of xxxx.  Exception has been cleared.

Cleared

03/05/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302316151

19977137

02/22/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xxxx)

Reviewer Comment (2021-03-05): Delivery documented. Seller Comment (2021-03-04): Appraisal delivery

Reviewer Comment (2021-03-05): Delivery documented.

Cleared

03/05/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302316151

19978047

02/22/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 Transcript (2018), W-2 Transcript (2019)

Reviewer Comment (2021-03-09): W2 transcripts provided. Seller Comment (2021-03-08): see attached

Reviewer Comment (2021-03-09): W2 transcripts provided.

Cleared

03/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332753

19927709

02/16/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-02-26): Provided evidence of receipt Seller Comment (2021-02-24): Proof of receipt, initial CD Seller Comment (2021-02-22): Uploaded LOE

Reviewer Comment (2021-02-26): Provided evidence of receipt

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318103

19957656

02/19/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-25): Erroneous exception. Seller Comment (2021-02-24): Rebuttal uploaded

Reviewer Comment (2021-02-25): Erroneous exception.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318103

19957678

02/19/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-25): VVOE within 5 days documented. Seller Comment (2021-02-25): Uploaded VVOE and LOX

Reviewer Comment (2021-02-25): VVOE within 5 days documented.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302128580

19367822

xxxx  7:28:27 AM

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-24): Replacement cost estimate provided. Buyer Comment (2021-02-23): see attached

Reviewer Comment (2021-02-24): Replacement cost estimate provided.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302128580

19367939

xxxx  7:49:53 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $195.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2020-12-29): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-29): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302128580

19375324

xxxx  3:39:36 PM

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-01): Borrower acknowledgment provided. Buyer Comment (2021-01-28): Uploaded Appraisal Acknowledgment

Reviewer Comment (2021-02-01): Borrower acknowledgment provided.

Cleared

02/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302039141

19395396

xxxx  6:13:27 PM

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-07): Insurer replacement cost estimate documented. Buyer Comment (2021-02-04): RCE attached

Reviewer Comment (2021-02-07): Insurer replacement cost estimate documented.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302039141

19398039

01/02/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-02-03): Disclosure/worksheet provided. Buyer Comment (2021-01-31): TNB

Reviewer Comment (2021-02-03): Disclosure/worksheet provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302214506

20019187

02/25/2021

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2021-03-17): Rate Lock Provided. Seller Comment (2021-03-16): lock info

Reviewer Comment (2021-03-17): Rate Lock Provided.

Cleared

03/17/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302214506

20019671

02/25/2021

Credit

Mortgage / Program Eligibility

Missing Document: Note - Subordinate Lien not provided

Reviewer Comment (2021-03-24): Promissory Note reflecting terms has been provided. Seller Comment (2021-03-22): Subordinate Lien Document attached

Reviewer Comment (2021-03-24): Promissory Note reflecting terms has been provided.

Cleared

03/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273118

19599878

01/20/2021

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2021-01-26): Rate lock provided. Buyer Comment (2021-01-25): lock

Reviewer Comment (2021-01-26): Rate lock provided.

Cleared

01/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302273118

19599882

01/20/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Partial Payments

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xxxx)

Reviewer Comment (2021-02-03): xxxx received a corrected CD and LOE. Buyer Comment (2021-01-31): PCCD/LOE

Reviewer Comment (2021-02-03): xxxx received a corrected CD and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302273118

19612107

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $615.00 exceeds tolerance of $495.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302273118

19612210

01/21/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-04): VVOE within 5 days provided. Buyer Comment (2021-03-03): VVOE provided

Reviewer Comment (2021-03-04): VVOE within 5 days provided.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305700

19567546

01/15/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $221,818.35 is less than Cash From Borrower $273,333.84.

Reviewer Comment (2021-02-08): Disbursement of 2nd mortgage funds to settlement agent documented. Buyer Comment (2021-02-04): see attached

Reviewer Comment (2021-02-08): Disbursement of 2nd mortgage funds to settlement agent documented.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305700

19567627

01/15/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2021-02-08): Disbursement of 2nd mortgage funds to settlement agent documented. Buyer Comment (2021-02-04): see attached

Reviewer Comment (2021-02-08): Disbursement of 2nd mortgage funds to settlement agent documented.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305700

19648112

01/22/2021

Credit

Lien

Missing evidence of lien position on Other Financing.

Lien Position: 2

Reviewer Comment (2021-03-04): Recording information provided showing HELOC is subordinate. Buyer Comment (2021-03-03): Recording docs for 1st lien & HELOC uploaded Reviewer Comment (2021-02-08): Subordination agreement or final title showing lien position will clear.

Reviewer Comment (2021-03-04): Recording information provided showing HELOC is subordinate. Reviewer Comment (2021-02-08): Subordination agreement or final title showing lien position will clear.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305700

19648136

01/22/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xxxx)

Reviewer Comment (2021-02-03): Delivery documented. Buyer Comment (2021-02-01): Uploaded evidence of appraisal delivery

Reviewer Comment (2021-02-03): Delivery documented.

Cleared

02/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302305700

19743431

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302132312

18985388

xxxx  1:18:23 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 30,680.16 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-15): xxxx received lender tax calculations and supporting documentation Buyer Comment (2021-01-13): Uploaded documentation of amount used for tax calculation Buyer Comment (2021-01-11): requested documentation, Seller LOE Reviewer Comment (2021-01-04): Documentation of amount used for tax obligations is required in order to complete testing. Buyer Comment (2020-12-29): Per lender: 40% is what was provided by title and 40% is what the county used. You should already have a copy of the title to confirm.. It is common for the information provided on title to be used to calculate taxes. . Many Counties use a percentage of the “appraised value” to come up with the “assessed value”. If you are not able to clear, please escalate to a member of your management team. Thank you. Reviewer Comment (2020-12-23): xxxx reviewed lender correspondence. As the calculation only uses 40% of sales price it is not a common calculation. An acceptable calculation would use 100% of the sales price or taxes noted on title or tax cert. Please provide corrected CD and LOE to cure. Buyer Comment (2020-12-18): Lender calculation Reviewer Comment (2020-12-04): xxxx received 10/22 CD. The discrepancy appears to be due to taxes. The calculated taxes are $28900 per title. Please provide documentation if using a different amount or please provide a corrected CD and LOE to cure. Buyer Comment (2020-12-03): PCCD

Reviewer Comment (2021-01-15): xxxx received lender tax calculations and supporting documentation Reviewer Comment (2021-01-04): Documentation of amount used for tax obligations is required in order to complete testing. Reviewer Comment (2020-12-23): xxxx reviewed lender correspondence. As the calculation only uses 40% of sales price it is not a common calculation. An acceptable calculation would use 100% of the sales price or taxes noted on title or tax cert. Please provide corrected CD and LOE to cure. Reviewer Comment (2020-12-04): xxxx received 10/22 CD. The discrepancy appears to be due to taxes. The calculated taxes are $28900 per title. Please provide documentation if using a different amount or please provide a corrected CD and LOE to cure.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098977

19569712

01/15/2021

Compliance

Federal Compliance

Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing

FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302114193

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302273047

19968921

02/22/2021

Compliance

Federal Compliance

Interest Dividend Income Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Two (2) years tax returns or Bank Statements to evaluate Interest / Dividend income or losses requirement not met. (xxxx/Schedule B)

Reviewer Comment (2021-03-10): Two years signed personal tax returns provided Seller Comment (2021-03-09): signed returns attached

Reviewer Comment (2021-03-10): Two years signed personal tax returns provided

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273047

19968941

02/22/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-10): 2018 and 2019 Personal Tax returns signed by the borrower provided. Seller Comment (2021-03-09): attached

Reviewer Comment (2021-03-10): 2018 and 2019 Personal Tax returns signed by the borrower provided.

Cleared

03/10/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302278305

19560857

01/14/2021

Credit

Closing / Title

Missing Document: Rider - PUD not provided

Reviewer Comment (2021-01-21): Received PUD Rider. Seller Comment (2021-01-20): PUD & MERS Rider

Reviewer Comment (2021-01-21): Received PUD Rider.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278305

19560990

01/14/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-25): Received PCCD issuedxxxx reflecting an updated disbursement date of xxxx and a LOX. Seller Comment (2021-01-24): PCCD

Reviewer Comment (2021-01-25): Received PCCD issuedxxxx reflecting an updated disbursement date of xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302278305

19569253

01/15/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,073.00 exceeds tolerance of $2,710.00 plus 10% or $2,981.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-01-15): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-15): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302281217

19344449

xxxx  11:01:42 PM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-01-05): Provided PDI Seller Comment (2021-01-04): PDI

Reviewer Comment (2021-01-05): Provided PDI

Cleared

01/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302281217

19348052

xxxx  11:05:14 AM

Credit

Credit Documentation

Insufficient Verification of Rental History.

Reviewer Comment (2021-01-22): Received 24 months history. Seller Comment (2021-01-21): VOR 24 months Reviewer Comment (2021-01-17): 22 months provide, 24 months required. Seller Comment (2021-01-12): 24 months rental history

Reviewer Comment (2021-01-22): Received 24 months history. Reviewer Comment (2021-01-17): 22 months provide, 24 months required.

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098881

19127281

xxxx  5:34:16 PM

Credit

Closing / Title

Missing Document: Rider - PUD not provided

Reviewer Comment (2021-01-05): Received PUD Rider. Seller Comment (2021-01-03): Pud Rider

Reviewer Comment (2021-01-05): Received PUD Rider.

Cleared

01/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098881

19127348

xxxx  5:42:20 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee.  Fee Amount of $365.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7713)

Reviewer Comment (2020-12-16): Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Seller Comment (2020-12-15): PCCD with refund

Reviewer Comment (2020-12-16): Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302098881

19181067

12/07/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Maximum Loan Amount discrepancy.

Note loan amount of $xxxx is greater than Guideline maximum loan amount of $xxxx.

Reviewer Comment (2021-01-22): Received the lender's updated guidelines which allow $2MM loan amounts.

Reviewer Comment (2021-01-22): Received the lender's updated guidelines which allow $2MM loan amounts.

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302029620

18787230

xxxx  6:07:59 AM

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2020-12-10): Received balance sheet. Seller Comment (2020-12-09): Balance sheet Reviewer Comment (2020-11-01): Balance sheet was not provided. Seller Comment (2020-10-29): Borrower provided statement regarding this business not being reported until end of year with $0.00 revenue and $0.00 expenses

Reviewer Comment (2020-12-10): Received balance sheet. Reviewer Comment (2020-11-01): Balance sheet was not provided.

Cleared

xxxx  8:35:46 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302029620

18787231

xxxx  6:07:59 AM

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-01): Received balance sheet. Seller Comment (2021-01-28): Balance Sheet xxxx Reviewer Comment (2020-12-10): Balance sheet was not provided.  Received balance sheet for xxxx. Seller Comment (2020-12-09): Balance sheet

Reviewer Comment (2021-02-01): Received balance sheet. Reviewer Comment (2020-12-10): Balance sheet was not provided.  Received balance sheet for xxxx.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302029620

18787232

xxxx  6:07:59 AM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-01): Received balance sheet. Seller Comment (2021-01-28): Balance Sheet xxxx Reviewer Comment (2020-12-10): Income documentation exceptions remain. Seller Comment (2020-12-09): Balance Sheet

Reviewer Comment (2021-02-01): Received balance sheet. Reviewer Comment (2020-12-10): Income documentation exceptions remain.

Cleared

02/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302029620

18787233

xxxx  6:07:59 AM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2020-10-30): xxxx received PCCD; exception is cleared. Buyer Comment (2020-10-29): According to TRID rule, the fees came from an increase in section C of the CD. According to TRID rule, these fees have No Tolerance and therefor can increase in any amount because the borrower shopped for these fees. No refund should be needed for this because of the borrowers action to shop for fees. Reviewer Comment (2020-10-28): The PCCD indicate a $115 increase in fees in section D thus causing an underdisclosure. Please provide a corrected CD, LOE, refund check, re open rescission, and proof of delivery to cure. Seller Comment (2020-10-27): PCCD with refund

Reviewer Comment (2020-10-30): xxxx received PCCD; exception is cleared. Reviewer Comment (2020-10-28): The PCCD indicate a $115 increase in fees in section D thus causing an underdisclosure. Please provide a corrected CD, LOE, refund check, re open rescission, and proof of delivery to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302029620

18787481

xxxx  7:16:57 AM

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2020-11-28): Received 2017 tax returns. Seller Comment (2020-11-25): 2017 tax returns Reviewer Comment (2020-11-01): 3 years tax returns required. Buyer Comment (2020-10-29): , 2017 may not be required since the cap loss in 2019 and 2018 was a carryover. However, will the carryover loss worksheet for the 2018 tax returns to determine when the actual loss occurred. Only need 2017 returns is the actual loss was in 2017

Reviewer Comment (2020-11-28): Received 2017 tax returns. Reviewer Comment (2020-11-01): 3 years tax returns required.

Cleared

xxxx  1:04:39 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302029620

18787483

xxxx  7:16:57 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $63.50 exceeds tolerance of $60.00.  Insufficient or no cure was provided to the borrower. (7520)

Reviewer Comment (2020-10-28): xxxx received PCCD indicating cure and LOE. Seller Comment (2020-10-27): PCCD

Reviewer Comment (2020-10-28): xxxx received PCCD indicating cure and LOE.

Cleared

xxxx  7:35:47 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302029620

18841676

xxxx  7:35:47 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $63.50 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7520)

Reviewer Comment (2020-11-03): xxxx received a refund check. Seller Comment (2020-11-03): PCCD with refund to borrower Reviewer Comment (2020-10-30): The fee under discussion is the credit report fee, which increased, in section B, from $60 to $64 on the 9/16 LE,   The fee is not shoppable nor was a reason for the increase noted.  Cure is required. Buyer Comment (2020-10-29): According to TRID rule, the fees came from an increase in section C of the CD. According to TRID rule, these fees have No Tolerance and therefor can increase in any amount because the borrower shopped for these fees. No refund should be needed for this because of the borrowers action to shop for fees.

Reviewer Comment (2020-11-03): xxxx received a refund check. Reviewer Comment (2020-10-30): The fee under discussion is the credit report fee, which increased, in section B, from $60 to $64 on the 9/16 LE,   The fee is not shoppable nor was a reason for the increase noted.  Cure is required.

Cured

N

3

2

B

B

B

B

B

302370972

No Finding

Loan Completed Without Finding

Review Complete

02/02/2021

1

1

302147530

No Finding

Loan Completed Without Finding

Review Complete

01/23/2021

1

1

302065335

18820953

xxxx  6:09:26 AM

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2020-10-29): Replacement cost estimator provided.   Coverage exceeds loan amount. Seller Comment (2020-10-26): Replacement Cost Estimator

Reviewer Comment (2020-10-29): Replacement cost estimator provided.   Coverage exceeds loan amount.

Cleared

xxxx  1:44:24 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302065335

18820959

xxxx  6:33:14 AM

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-01-15): Received evidence of Final K-1. Seller Comment (2021-01-14): Final K-1 xxxx Buyer Comment (2020-12-18): Condition should be cleared as items were uploaded to exception ID 126030 Reviewer Comment (2020-12-17): No additional income documentation provided for business Seller Comment (2020-12-15): Balance Sheet Reviewer Comment (2020-12-04): Provide business returns reflecting business has terminated. Reviewer Comment (2020-12-04): Received Final K-1. Seller Comment (2020-12-02): Schedule C inactive 2020 Reviewer Comment (2020-10-29): Acknowledge Final K1's.  Unable to locate borrower statement regarding inactivity of other entity. Buyer Comment (2020-10-29): xxxx – 2019 K-1 is “Final” xxxx – 2019 K-1 is “Final” xxxx – 20% Owner xxxx - borrower indicates inactivity, Sch C is $0 profit and loss, do we still need balance sheet?

Reviewer Comment (2021-01-15): Received evidence of Final K-1. Reviewer Comment (2020-12-17): No additional income documentation provided for business Reviewer Comment (2020-12-04): Provide business returns reflecting business has terminated. Reviewer Comment (2020-12-04): Received Final K-1. Reviewer Comment (2020-10-29): Acknowledge Final K1's.  Unable to locate borrower statement regarding inactivity of other entity.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302065335

18820960

xxxx  6:33:14 AM

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-01-15): Received evidence of Final K-1. Seller Comment (2021-01-14): Final K-1 319 xxxx Buyer Comment (2020-12-18): This condition should be cleared as documents were provided for exception ID 12068 Reviewer Comment (2020-12-17): No additional income documentation provided for business Seller Comment (2020-12-15): Balance Sheet Reviewer Comment (2020-12-04): Provide business returns reflecting business has terminated. Reviewer Comment (2020-12-04): Received Final K-1. Seller Comment (2020-12-02): Schedule C inactive 2020 Reviewer Comment (2020-10-29): Acknowledge Final K1's.  Unable to locate borrower statement regarding inactivity of other entity. Buyer Comment (2020-10-29): xxxx – 2019 K-1 is “Final” xxxx – 2019 K-1 is “Final” xxxx – 20% Owner xxxx - borrower indicates inactivity, Sch C is $0 profit and loss, do we still need balance sheet?

Reviewer Comment (2021-01-15): Received evidence of Final K-1. Reviewer Comment (2020-12-17): No additional income documentation provided for business Reviewer Comment (2020-12-04): Provide business returns reflecting business has terminated. Reviewer Comment (2020-12-04): Received Final K-1. Reviewer Comment (2020-10-29): Acknowledge Final K1's.  Unable to locate borrower statement regarding inactivity of other entity.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302065335

18820962

xxxx  6:33:14 AM

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2020-12-17): Provided balance sheet Seller Comment (2020-12-15): Balance Sheet Reviewer Comment (2020-12-04): Missing balance sheet. Seller Comment (2020-12-02): Schedule C inactive 2020 Reviewer Comment (2020-10-29): Acknowledge Final K1's.  Unable to locate borrower statement regarding inactivity of other entity. Buyer Comment (2020-10-29): xxxx – 2019 K-1 is “Final” xxxx – 2019 K-1 is “Final” xxxx – 20% Owner xxxx - borrower indicates inactivity, Sch C is $0 profit and loss, do we still need balance sheet?

Reviewer Comment (2020-12-17): Provided balance sheet Reviewer Comment (2020-12-04): Missing balance sheet. Reviewer Comment (2020-10-29): Acknowledge Final K1's.  Unable to locate borrower statement regarding inactivity of other entity.

Cleared

xxxx  11:18:39 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302065335

18820963

xxxx  6:33:14 AM

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Partnership Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status using reasonably reliable third-party records. (xxxx/Partnership)

Reviewer Comment (2020-12-04): Received Final K-1. Seller Comment (2020-12-02): Schedule C inactive 2020 Reviewer Comment (2020-10-29): Acknowledge Final K1's.  Unable to locate borrower statement regarding inactivity of other entity. Buyer Comment (2020-10-29): xxxx – 2019 K-1 is “Final” xxxx – 2019 K-1 is “Final” xxxx – 20% Owner xxxx - borrower indicates inactivity, Sch C is $0 profit and loss, do we still need balance sheet?

Reviewer Comment (2020-12-04): Received Final K-1. Reviewer Comment (2020-10-29): Acknowledge Final K1's.  Unable to locate borrower statement regarding inactivity of other entity.

Cleared

12/04/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302065335

18820966

xxxx  6:33:14 AM

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2020-12-04): Received Final K-1.

Reviewer Comment (2020-12-04): Received Final K-1.

Cleared

12/04/2020

N

1

1

A

A

A

A

A

A

A

A

A

A

302065335

18820967

xxxx  6:33:14 AM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-01-15): Received evidence of Final K-1. Seller Comment (2021-01-14): Final K-1s Reviewer Comment (2020-12-28): Income documentation exceptions remain. Buyer Comment (2020-12-18): Exception should be cleared documents uploaded and cleared with Exception ID 126029 Reviewer Comment (2020-12-17): Due to missing income documentation Seller Comment (2020-12-15): Balance sheet Reviewer Comment (2020-12-04): Income documentation exception remains. Seller Comment (2020-12-02): Schedule C inactive 2020 Reviewer Comment (2020-10-29): Acknowledge Final K1's.  Unable to locate borrower statement regarding inactivity of other entity. Buyer Comment (2020-10-29): xxxx – 2019 K-1 is “Final” xxxx – 2019 K-1 is “Final” xxxx – 20% Owner xxxx - borrower indicates inactivity, Sch C is $0 profit and loss, do we still need balance sheet?

Reviewer Comment (2021-01-15): Received evidence of Final K-1. Reviewer Comment (2020-12-28): Income documentation exceptions remain. Reviewer Comment (2020-12-17): Due to missing income documentation Reviewer Comment (2020-12-04): Income documentation exception remains. Reviewer Comment (2020-10-29): Acknowledge Final K1's.  Unable to locate borrower statement regarding inactivity of other entity.

Cleared

01/15/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302070195

19243177

xxxx  9:23:34 AM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2020-12-17): PDI dated xxxx-Disaster end date reflects xxxx. Disaster Dec date xxxx Seller Comment (2020-12-16): PDI

Reviewer Comment (2020-12-17): PDI dated xxxx-Disaster end date reflects xxxx. Disaster Dec date xxxx

The representative FICO score is above 680. The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is less than or equal to 35%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The Loan to Value (LTV) on the loan is less than or equal to 70%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years. Property inspected post disaster but pre-FEMA declaration of disaster end date.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302070195

19243369

xxxx  9:36:04 AM

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-23): Lender cured on 01.26.2021 by reopening rescission; received copy of the corrected ROR form, LOE and proof of delivery.

Reviewer Comment (2021-02-23): Lender cured on 01.26.2021 by reopening rescission; received copy of the corrected ROR form, LOE and proof of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302070195

19243570

xxxx  9:47:18 AM

Compliance

Federal Compliance

TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date

Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Reviewer Comment (2021-02-10): Received evidence that rescission was re-opened and an expiration date ofxxxx but a LOE was not provided. Seller Comment (2021-02-07): Coverletter Reviewer Comment (2021-02-01): Received evidence that rescission was re-opened and an expiration date ofxxxx but a LOE was not provided. Seller Comment (2021-01-28): NORTC

Reviewer Comment (2021-02-10): Received evidence that rescission was re-opened and an expiration date ofxxxx but a LOE was not provided. Reviewer Comment (2021-02-01): Received evidence that rescission was re-opened and an expiration date ofxxxx but a LOE was not provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302070195

19246878

xxxx  1:08:42 PM

Credit

Closing / Title

Missing Document: Rider - PUD not provided

Reviewer Comment (2021-02-01): Received PUD Rider. Seller Comment (2021-01-28): PUD Rider

Reviewer Comment (2021-02-01): Received PUD Rider.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302070195

19247005

xxxx  1:15:22 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclouse Amount of Non-Escrowed Property Costs over Year 1 (Final/xxxx)

Reviewer Comment (2021-02-01): Received PCCD issuedxxxx correcting non escrowed property costs year 1 and a LOX. Seller Comment (2021-01-28): PCCD

Reviewer Comment (2021-02-01): Received PCCD issuedxxxx correcting non escrowed property costs year 1 and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302266958

No Finding

Loan Completed Without Finding

Review Complete

xxxx  12:46:53 PM

1

1

302096485

19276856

xxxx  6:35:11 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,125.00 exceeds tolerance of $650.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-01-08): xxxx received PCCD, FSS, and LOE. Seller Comment (2021-01-04): Updated PCCD

Reviewer Comment (2021-01-08): xxxx received PCCD, FSS, and LOE.

Cleared

01/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096485

19276857

xxxx  6:35:11 PM

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-05): Provided Letter of Explanation to borrower, & PCCD correcting disbursement date Seller Comment (2021-01-04): PCCD

Reviewer Comment (2021-01-05): Provided Letter of Explanation to borrower, & PCCD correcting disbursement date

Cleared

01/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096485

19490581

01/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,125.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-01-08): xxxx received PCCD, FSS, and LOE.

Reviewer Comment (2021-01-08): xxxx received PCCD, FSS, and LOE.

Cured

N

3

2

B

B

B

B

B

302114082

19725283

01/30/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-04): Received updated VOE. Seller Comment (2021-02-02): VOE

Reviewer Comment (2021-02-04): Received updated VOE.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302356752

19582399

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,100.00 exceeds tolerance of $900.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-04): xxxx received PCCD, letter of explanation, copy of refund check, and proof of mailing as a cure for increase in appraisal fee. Seller Comment (2021-02-02): PCCD with refund Reviewer Comment (2021-01-27): xxxx received Changed Circumstance dated xxxx,  but it does not give sufficient information on why the Appraisal fee was increased. COC referenced increased loan amount but loan was already Jumbo prior to the fee change. Invoice in file indicates a complex property fee of $200 was added for the 11/9/2020 inspection, however, this also does not correspond with the COC date.  In order to determine if the changed circumstance is valid, more information is necessary on reason fee increased and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2021-01-25): COC shows the reasons and details of changes on  page 14 & 15 Reviewer Comment (2021-01-25): COC does not reflect a reason for the fee increase. Seller Comment (2021-01-24): LE with COC

Reviewer Comment (2021-02-04): xxxx received PCCD, letter of explanation, copy of refund check, and proof of mailing as a cure for increase in appraisal fee. Reviewer Comment (2021-01-27): xxxx received Changed Circumstance dated xxxx,  but it does not give sufficient information on why the Appraisal fee was increased. COC referenced increased loan amount but loan was already Jumbo prior to the fee change. Invoice in file indicates a complex property fee of $200 was added for the 11/9/2020 inspection, however, this also does not correspond with the COC date.  In order to determine if the changed circumstance is valid, more information is necessary on reason fee increased and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Reviewer Comment (2021-01-25): COC does not reflect a reason for the fee increase.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302356752

19582422

01/19/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-01-25): Received final title.

Reviewer Comment (2021-01-25): Received final title.

Cleared

01/25/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302356752

19586151

01/19/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-01-25): Received final title with sufficient coverage. Seller Comment (2021-01-24): Title

Reviewer Comment (2021-01-25): Received final title with sufficient coverage.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323356

19564850

01/15/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $262.50 exceeds tolerance of $183.00 plus 10% or $201.30.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-01-27): xxxx received PCCD within 60 days of consummation correcting fees. Seller Comment (2021-01-24): PCCD

Reviewer Comment (2021-01-27): xxxx received PCCD within 60 days of consummation correcting fees.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269220

19650200

01/23/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-07): Received PCCD issued 2/3/2021 reflecting an updated disbursement date of 1/7/2021 and a LOX. Seller Comment (2021-02-03): PCCD

Reviewer Comment (2021-02-07): Received PCCD issued 2/3/2021 reflecting an updated disbursement date of 1/7/2021 and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302269220

19650212

01/23/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-02): Received PDI datedxxxx reflecting no damage. Seller Comment (2021-01-29): PDI

Reviewer Comment (2021-02-02): Received PDI datedxxxx reflecting no damage.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173936

19210180

xxxx  2:27:37 PM

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Tax Verification

Reviewer Comment (2021-02-17): Provided tax information for xxxx Seller Comment (2021-02-16): REO Docs Reviewer Comment (2021-01-22): Evidence of taxes for xxxx was not provided. Seller Comment (2021-01-21): 1040s Reviewer Comment (2021-01-07): Evidence of taxes was not provided. Seller Comment (2021-01-04): REO Docs

Reviewer Comment (2021-02-17): Provided tax information for xxxx Reviewer Comment (2021-01-22): Evidence of taxes for xxxx was not provided. Reviewer Comment (2021-01-07): Evidence of taxes was not provided.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173936

19210352

xxxx  2:38:36 PM

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $47.00 plus 10% or $51.70.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2020-12-31): xxxx received PCCD within 60 days of consummation correcting fee placement. Seller Comment (2020-12-28): PCCD

Reviewer Comment (2020-12-31): xxxx received PCCD within 60 days of consummation correcting fee placement.

Cleared

xxxx  4:45:04 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302173936

19210353

xxxx  2:38:36 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7723)

Reviewer Comment (2020-12-31): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Seller Comment (2020-12-28): PCCD

Reviewer Comment (2020-12-31): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cleared

xxxx  4:45:04 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302173936

19394761

xxxx  4:45:04 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7723)

Reviewer Comment (2020-12-31): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Reviewer Comment (2020-12-31): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cured

N

3

2

B

B

B

B

B

302180847

No Finding

Loan Completed Without Finding

Review Complete

xxxx  3:16:29 PM

1

1

302336677

19657347

01/25/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-03): Received PDI datedxxxx reflecting no damage. Seller Comment (2021-02-01): PDI

Reviewer Comment (2021-02-03): Received PDI datedxxxx reflecting no damage.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318108

19578594

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $34,019.40 exceeds tolerance of $29,960.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302318108

19585315

01/19/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Insurance Verification, Tax Verification

Reviewer Comment (2021-02-12): HOA statement from Coop was provided. Seller Comment (2021-02-11): Please find the Maintenance Fee invoice (it was under Mortgage statement in AIQ), This is a Co-Op so they do not have taxes

Reviewer Comment (2021-02-12): HOA statement from Coop was provided.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286703

19643669

01/22/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302289121

19743314

02/02/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-09): Received PCCD issuedxxxx updating the disbursement date toxxxx and a LOX. Seller Comment (2021-02-04): PCCD

Reviewer Comment (2021-02-09): Received PCCD issuedxxxx updating the disbursement date toxxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302303895

19786778

02/04/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-18): Provided updated Title at $967,500 Seller Comment (2021-02-17): Updated Title

Reviewer Comment (2021-02-18): Provided updated Title at $967,500

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303895

19809729

02/08/2021

Compliance

Federal Compliance

Notice of Right To Cancel Not Provided to All Required Parties

Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

Reviewer Comment (2021-02-18): Provided ROR signed by both parties Seller Comment (2021-02-17): NORTC Seller Comment (2021-02-17): NORTC signed by both bwrs

Reviewer Comment (2021-02-18): Provided ROR signed by both parties

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302285459

No Finding

Loan Completed Without Finding

Review Complete

01/08/2021

1

1

302303198

No Finding

Loan Completed Without Finding

Review Complete

02/16/2021

1

1

302288893

No Finding

Loan Completed Without Finding

Review Complete

01/27/2021

1

1

302303894

No Finding

Loan Completed Without Finding

Review Complete

02/11/2021

1

1

302305670

19570998

01/15/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-01-25): Received final title with sufficient coverage. Seller Comment (2021-01-22): Title

Reviewer Comment (2021-01-25): Received final title with sufficient coverage.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305670

19570999

01/15/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-01-25): Received final title.

Reviewer Comment (2021-01-25): Received final title.

Cleared

01/25/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302305670

19571158

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $775.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-15): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-15): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302305670

19571183

01/15/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-02-01): Received missing REO docs. Seller Comment (2021-01-27): REO

Reviewer Comment (2021-02-01): Received missing REO docs.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305500

19457809

01/06/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-01-15): Received credit report with rental history. Seller Comment (2021-01-11): Attached mortgage supplement also included the VOR for the previous resident

Reviewer Comment (2021-01-15): Received credit report with rental history.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305500

19462279

01/07/2021

Credit

Closing / Title

Missing Document: Rider - PUD not provided

Reviewer Comment (2021-01-25): Received updated appraisal reflecting the property is not a PUD. Seller Comment (2021-01-24): Corrected Appraisal not in PUD

Reviewer Comment (2021-01-25): Received updated appraisal reflecting the property is not a PUD.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305500

19462430

01/07/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-01-27): Received final title with sufficient coverage. Seller Comment (2021-01-25): Title

Reviewer Comment (2021-01-27): Received final title with sufficient coverage.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305500

19462433

01/07/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-01-27): Received final title with sufficient coverage.

Reviewer Comment (2021-01-27): Received final title with sufficient coverage.

Cleared

01/27/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302356643

19674295

01/26/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-10): Rec'd statement. Seller Comment (2021-02-04): Mortgage Statement

Reviewer Comment (2021-02-10): Rec'd statement.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372108

19682661

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $835.00 exceeds tolerance of $760.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-11): xxxx received corrected PCCD showing cure amount in section J, LOE to borrower, copy of $75 refund check, and proof of mailing. 0% tolerance violation for appraisal fee has been cured. Seller Comment (2021-02-09): PCCD with $75 cure

Reviewer Comment (2021-02-11): xxxx received corrected PCCD showing cure amount in section J, LOE to borrower, copy of $75 refund check, and proof of mailing. 0% tolerance violation for appraisal fee has been cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302372108

19682662

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lenders Attorney Fee.  Fee Amount of $1,150.00 exceeds tolerance of $1,050.00.  Insufficient or no cure was provided to the borrower. (7537)

Reviewer Comment (2021-02-11): xxxx received corrected PCCD showing cure amount in section J, LOE to borrower, copy of $100 refund check, and proof of mailing. 0% tolerance violation for attorney fee has been cured. Seller Comment (2021-02-09): PCCD $100 cure

Reviewer Comment (2021-02-11): xxxx received corrected PCCD showing cure amount in section J, LOE to borrower, copy of $100 refund check, and proof of mailing. 0% tolerance violation for attorney fee has been cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302372108

19889505

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $835.00 exceeds tolerance of $760.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-02-11): xxxx received corrected PCCD showing cure amount in section J, LOE to borrower, copy of $75 refund check, and proof of mailing. 0% tolerance violation for appraisal fee has been cured.

Reviewer Comment (2021-02-11): xxxx received corrected PCCD showing cure amount in section J, LOE to borrower, copy of $75 refund check, and proof of mailing. 0% tolerance violation for appraisal fee has been cured.

Cured

N

3

2

B

B

B

B

B

302372108

19889506

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lenders Attorney Fee.  Fee Amount of $1,150.00 exceeds tolerance of $1,050.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7537)

Reviewer Comment (2021-02-11): xxxx received corrected PCCD showing cure amount in section J, LOE to borrower, copy of $100 refund check, and proof of mailing. 0% tolerance violation for attorney fee has been cured.

Reviewer Comment (2021-02-11): xxxx received corrected PCCD showing cure amount in section J, LOE to borrower, copy of $100 refund check, and proof of mailing. 0% tolerance violation for attorney fee has been cured.

Cured

N

3

2

B

B

B

B

B

302274606

19806963

02/08/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-12): Received disclosure. Seller Comment (2021-02-11): MLO

Reviewer Comment (2021-02-12): Received disclosure.

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302274606

19806965

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2021-02-15): SB2 documented as an additional county recording fee and not a transfer tax.  Fee reclassified and testing passed. Seller Comment (2021-02-11): Re-review- SB2 is a recording fee in CA. It is not considered a transfer fee. Baseline tolerance for Recording fees is $525.00.

Reviewer Comment (2021-02-15): SB2 documented as an additional county recording fee and not a transfer tax.  Fee reclassified and testing passed.

Cleared

02/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274606

19807084

02/08/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 11.12 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2021-02-12): Cleared by program change to Express Seller Comment (2021-02-11): Please change product ot Express, see attached DU & 1008. Reserves met once product is changed

Reviewer Comment (2021-02-12): Cleared by program change to Express

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303201

19942203

02/18/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-26): Electronic delivery documented. Seller Comment (2021-02-25): Appraisal receipt

Reviewer Comment (2021-02-26): Electronic delivery documented.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302303201

19942204

02/18/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-20): Provided LO compensation Disclosure Seller Comment (2021-02-19): MLO

Reviewer Comment (2021-02-20): Provided LO compensation Disclosure

Cleared

02/20/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302303201

19942410

02/18/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 10.02 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2021-02-26): Lender states that loan should be Express and file contains AUS findings.  Meets Express guideline reserve requirement. Seller Comment (2021-02-26): Program should be Express, 9 months reserves

Reviewer Comment (2021-02-26): Lender states that loan should be Express and file contains AUS findings.  Meets Express guideline reserve requirement.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302172644

19585112

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC).  Fee Amount of $50.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75214)

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302172644

19588442

01/19/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $580.00 exceeds tolerance of $493.00 plus 10% or $542.30.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302263963

19386259

xxxx  4:52:05 PM

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-01): LoanSafe report provided. Buyer Comment (2021-01-28): Fraud report attached

Reviewer Comment (2021-02-01): LoanSafe report provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302263963

19387675

xxxx  10:19:42 PM

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-01-18): TNB worksheet provided. Buyer Comment (2021-01-13): Disclosure

Reviewer Comment (2021-01-18): TNB worksheet provided.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302116099

No Finding

Loan Completed Without Finding

Review Complete

01/04/2021

1

1

302112519

19385497

xxxx  3:29:37 PM

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-19): Signed business returns provided. Buyer Comment (2021-01-14): 2019 & 2018 1120's signed

Reviewer Comment (2021-01-19): Signed business returns provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302112519

19385499

xxxx  3:29:37 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-19): Signed business returns provided.

Reviewer Comment (2021-01-19): Signed business returns provided.

Cleared

01/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302112519

19390700

xxxx  11:23:52 AM

Compliance

Federal Compliance

Appendix Q Liabilities – Invalid Exclusion Basis

Qualified Mortgage (Dodd-Frank 2014): One or more liabilities have been excluded from DTI calculation for a prohibited reason.

Reviewer Comment (2021-01-19): Documentation provided. Reviewer Comment (2021-01-10): Invalid reason for exclusion under appendix Q; guidelines are irrelevant. Buyer Comment (2021-01-08): Credit Supplement uploaded reflecting Affirm Installment loan w/ only (1) payment due remaining. Buyer Comment (2021-01-05): Provided Credit Supplement showing xxxxPaid in Full. Provide clarification on what is needed for Affirm.

Reviewer Comment (2021-01-19): Documentation provided. Reviewer Comment (2021-01-10): Invalid reason for exclusion under appendix Q; guidelines are irrelevant.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302172087

19587334

01/19/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $903.00 exceeds tolerance of $479.00 plus 10% or $526.90.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302172087

19587335

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7562)

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302172087

19588995

01/19/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-04): CDA provided with 0% variance. Buyer Comment (2021-02-01): Uploaded CDA

Reviewer Comment (2021-02-04): CDA provided with 0% variance.

Cleared

02/04/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302147207

No Finding

Loan Completed Without Finding

Review Complete

01/04/2021

1

1

302244538

19535197

01/12/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-03): Revised commitment provided. Buyer Comment (2021-01-29): please find an updated title commitment to clear the condition.

Reviewer Comment (2021-02-03): Revised commitment provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302244538

19535411

01/12/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-03): CDA with 0% variance provided. Buyer Comment (2021-01-29): please find attached a secondary evaluation to clear the condition. Thank you

Reviewer Comment (2021-02-03): CDA with 0% variance provided.

Cleared

02/03/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302244538

19535830

01/12/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-03): Dates verified. Buyer Comment (2021-01-29): uploaded LOE for employment gap

Reviewer Comment (2021-02-03): Dates verified.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302244538

19535831

01/12/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-03): Dates verified.

Reviewer Comment (2021-02-03): Dates verified.

Cleared

02/03/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302173835

19546658

01/13/2021

Credit

Closing / Title

Missing Document: Security Instrument - Subject Lien not provided

Reviewer Comment (2021-02-01): Security instrument for subject transaction provided. Buyer Comment (2021-01-22): Please re-assign to seller. Document uploaded is Initial Sec. Instrument. Buyer Comment (2021-01-22): Uploaded final Security Instrument signed on xxxx.

Reviewer Comment (2021-02-01): Security instrument for subject transaction provided.

Cleared

02/01/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302173835

19554460

01/14/2021

Compliance

Federal Compliance

Right of Rescission Timing - Note Date used as Transaction Date

Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

Reviewer Comment (2021-02-01): Security instrument for subject transaction provided. Buyer Comment (2021-01-28): mtg

Reviewer Comment (2021-02-01): Security instrument for subject transaction provided.

Cleared

02/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302173835

19565180

01/15/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-02-01): Disclosure provided. Buyer Comment (2021-01-28): TNB

Reviewer Comment (2021-02-01): Disclosure provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173835

19565331

01/15/2021

Credit

Credit Documentation

Missing Document: Asset not provided

Reviewer Comment (2021-02-12): CD uploaded as Doc Id 0309 is sufficient to clear this finding. Buyer Comment (2021-02-11): See ledger Reviewer Comment (2021-02-04): Closing disclosure provided.  Please provide evidence of receipt of funds by borrower or settlement agent on subject transaction. Buyer Comment (2021-02-02): CD Uploaded

Reviewer Comment (2021-02-12): CD uploaded as Doc Id 0309 is sufficient to clear this finding. Reviewer Comment (2021-02-04): Closing disclosure provided.  Please provide evidence of receipt of funds by borrower or settlement agent on subject transaction.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173835

19565384

01/15/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-10): Payment for second home documented. Buyer Comment (2021-02-09): This is for the second home.  The subject P & I is $4,352.06 Reviewer Comment (2021-02-04): First payment letter provided is for the subject.  Need verification of second home payment following refinance. Buyer Comment (2021-02-02): 1st pmt letter uploaded

Reviewer Comment (2021-02-10): Payment for second home documented. Reviewer Comment (2021-02-04): First payment letter provided is for the subject.  Need verification of second home payment following refinance.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243245

No Finding

Loan Completed Without Finding

Review Complete

01/13/2021

1

1

302305782

20004547

02/23/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-03): 3/3/2021:  After further review the exception has been cleared. Seller Comment (2021-02-28): VOE is dated prior to disbursement of xxxx. Please waive

Reviewer Comment (2021-03-03): 3/3/2021:  After further review the exception has been cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302268700

19141467

12/02/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 10.08 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2021-01-04): Verified assets meet reserve requirement for Jumbo Express program. Buyer Comment (2020-12-23): please see upload about the reserves.

Reviewer Comment (2021-01-04): Verified assets meet reserve requirement for Jumbo Express program.

Cleared

01/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173919

19551254

01/14/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,000.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302173919

19551255

01/14/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $225.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302134290

19388300

xxxx  7:27:34 AM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019), W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-04): signed/dated tax returns provided. Buyer Comment (2021-02-01): tax returns uploaded Reviewer Comment (2021-01-13): W2's provided.  Still missing 1040's. Buyer Comment (2021-01-12): W2 for 2018 and 2019 uploaded.

Reviewer Comment (2021-02-04): signed/dated tax returns provided. Reviewer Comment (2021-01-13): W2's provided.  Still missing 1040's.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302134290

19388490

xxxx  7:55:31 AM

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-13): PCCD and LOE provided to revise disbursement date. Buyer Comment (2021-01-08): CD

Reviewer Comment (2021-01-13): PCCD and LOE provided to revise disbursement date.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302130079

19386264

xxxx  4:52:22 PM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-03-04): Received the post-disaster inspection dated xxxx verifying no damage to the subject property. Buyer Comment (2021-03-04): PDI No Damage

Reviewer Comment (2021-03-04): Received the post-disaster inspection dated xxxx verifying no damage to the subject property.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302130079

19386265

xxxx  4:52:35 PM

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-01-17): Replacement cost estimate provided. Buyer Comment (2021-01-13): see attached RCE

Reviewer Comment (2021-01-17): Replacement cost estimate provided.

Cleared

01/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302130079

19386409

xxxx  5:15:30 PM

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-03-04): Received the co-borrower's prior employment VVOE, which verifies the start and ending dates and no job gap over 30 days. Buyer Comment (2021-03-03): Uploaded 2 yrs VOE's for Borrower & Co-Borrower

Reviewer Comment (2021-03-04): Received the co-borrower's prior employment VVOE, which verifies the start and ending dates and no job gap over 30 days.

Cleared

03/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302130079

19386413

xxxx  5:15:30 PM

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-19): Signed/dated personal and business returns provided. Buyer Comment (2021-01-13): see attached signed returns with PCCD showing disbursement date of 12/08 - returns signed 12/03

Reviewer Comment (2021-01-19): Signed/dated personal and business returns provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302130079

19386414

xxxx  5:15:30 PM

Compliance

Federal Compliance

Self Employed Financial Strength

Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (xxxx/S-Corp)

Reviewer Comment (2021-01-19): Signed/dated personal and business returns provided. Buyer Comment (2021-01-13): see attached

Reviewer Comment (2021-01-19): Signed/dated personal and business returns provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302130079

19386415

xxxx  5:15:30 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-04): Received the co-borrower's prior employment VVOE, which verifies the start and ending dates and no job gap over 30 days. Buyer Comment (2021-03-03): Previously uploaded Signed/dated personal and business returns provided Buyer Comment (2021-03-03): Previously Uploaded 2 yrs VOE's for Borrower & Co-Borrower

Reviewer Comment (2021-03-04): Received the co-borrower's prior employment VVOE, which verifies the start and ending dates and no job gap over 30 days.

Cleared

03/04/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302130079

19394034

xxxx  3:28:58 PM

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-04): Received the co-borrower's prior employment VVOE, which verifies the start and ending dates and no job gap over 30 days. Buyer Comment (2021-03-03): Uploaded 2 yrs VOE's for Borrower & Co-Borrower

Reviewer Comment (2021-03-04): Received the co-borrower's prior employment VVOE, which verifies the start and ending dates and no job gap over 30 days.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302130079

19394035

xxxx  3:28:58 PM

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-04): Received the co-borrower's prior employment VVOE, which verifies the start and ending dates and no job gap over 30 days. Buyer Comment (2021-03-03): Uploaded 2 yrs VOE's for Borrower & Co-Borrower

Reviewer Comment (2021-03-04): Received the co-borrower's prior employment VVOE, which verifies the start and ending dates and no job gap over 30 days.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302137132

19550707

01/14/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,590.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302137132

19550708

01/14/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-25): PCCD and LOE provided to revise disbursement date. Buyer Comment (2021-01-24): PCCD

Reviewer Comment (2021-01-25): PCCD and LOE provided to revise disbursement date.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302244537

19883794

02/11/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 24,430.67 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-26): Letter of Explanation & Corrected Closing Disclosure provided Seller Comment (2021-02-22): PCCD

Reviewer Comment (2021-02-26): Letter of Explanation & Corrected Closing Disclosure provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302244537

19883795

02/11/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-02-22): xxxx received proof of receipt, exception is cleared. Seller Comment (2021-02-19): Uploaded LOE Seller Comment (2021-02-16): Re-Review: Evidence Disclosure tracker confirms initial CD was sent on xxxx days prior to closing date xxxx

Reviewer Comment (2021-02-22): xxxx received proof of receipt, exception is cleared.

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302244537

19889369

02/11/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-03-05): 3/5/2021:  Received the Loan and Security Agreements and Disclosure Statement (5 pages).  Loan is not secured by any property as collateral.   Exception has been cleared.

Reviewer Comment (2021-03-05): 3/5/2021:  Received the Loan and Security Agreements and Disclosure Statement (5 pages).  Loan is not secured by any property as collateral.   Exception has been cleared.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302244537

19889601

02/11/2021

Credit

Closing / Title

Missing Lien(s) negatively impacting title

Reviewer Comment (2021-03-09): 3/9/2021:  Received the East Bay documentation and Tax Bill.   Exception has been cleared. Seller Comment (2021-03-08): East Bay Payment amount uploaded Reviewer Comment (2021-03-05): 3/5/2021:  Unable to clear.    Documentation received does not reflect the amount for East Bay tax lien.  Exception remains open. Seller Comment (2021-03-04): attached Seller Comment (2021-03-04): Tax lien information

Reviewer Comment (2021-03-09): 3/9/2021:  Received the East Bay documentation and Tax Bill.   Exception has been cleared. Reviewer Comment (2021-03-05): 3/5/2021:  Unable to clear.    Documentation received does not reflect the amount for East Bay tax lien.  Exception remains open.

Cleared

03/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302172351

18978548

xxxx  3:42:09 PM

Credit

Mortgage / Program Eligibility

Missing Document: Note - Subordinate Lien not provided

Reviewer Comment (2021-01-26): HELOC note and subordination agreement provided. Buyer Comment (2021-01-25): Subordinate lien

Reviewer Comment (2021-01-26): HELOC note and subordination agreement provided.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302172351

18979646

xxxx  10:38:27 AM

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2020-12-01): Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2020-12-01): Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

The representative FICO score exceeds the guideline minimum by at least 40 points. The refinance has decreased the borrower's monthly debt payments by 20% or more. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly mortgage payment has decreased by at least 20%. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years.

Waived

N

3

2

C

B

B

B

C

B

C

B

C

B

302172351

18979667

xxxx  10:54:40 AM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-01-07): xxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission. Buyer Comment (2020-12-31): cure docs Reviewer Comment (2020-12-23): xxxx received PCCD indicating cure and LOE. Please provide refund check, reopen rescission, and proof of delivery to cure. Buyer Comment (2020-12-18): PCCD

Reviewer Comment (2021-01-07): xxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission. Reviewer Comment (2020-12-23): xxxx received PCCD indicating cure and LOE. Please provide refund check, reopen rescission, and proof of delivery to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302305547

19871671

02/10/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-03-05): Disbursement date revised and coverage in effect prior. Seller Comment (2021-03-04): Insurance in force and funding.

Reviewer Comment (2021-03-05): Disbursement date revised and coverage in effect prior.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305547

19871887

02/10/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-03-05): LLC documentation provided. Seller Comment (2021-03-04): sole proprietorship updated

Reviewer Comment (2021-03-05): LLC documentation provided.

Cleared

03/05/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302305547

19871888

02/10/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 44.95979% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-02-24): File contains separate paystubs from the three related entities described by lender.

Reviewer Comment (2021-02-24): File contains separate paystubs from the three related entities described by lender.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305547

19871895

02/10/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-02-24): File contains separate paystubs from the three related entities described by lender.

Reviewer Comment (2021-02-24): File contains separate paystubs from the three related entities described by lender.

Cleared

02/24/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302305547

19871896

02/10/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-02-24): File contains separate paystubs from the three related entities described by lender.

Reviewer Comment (2021-02-24): File contains separate paystubs from the three related entities described by lender.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305547

19871934

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Sewer Inspection Fee.  Fee Amount of $6,900.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75170)

Reviewer Comment (2021-02-24): Sewer lateral charge was disclosed on all LEs and CD. Seller Comment (2021-02-18): Please amend. This fee was disclosed up front on the initial  LE

Reviewer Comment (2021-02-24): Sewer lateral charge was disclosed on all LEs and CD.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305547

19871987

02/10/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 44.95979% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-02-24): File contains separate paystubs from the three related entities described by lender. Seller Comment (2021-02-23): per lender, "Per my underwriting assistant manager, the co-borrower is paid $xxxx a month by three different parts of the same company. The names of the different parts are xxxx, xxxx and xxxx."

Reviewer Comment (2021-02-24): File contains separate paystubs from the three related entities described by lender.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305547

19872018

02/10/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-02-24): File contains separate paystubs from the three related entities described by lender.

Reviewer Comment (2021-02-24): File contains separate paystubs from the three related entities described by lender.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302260935

19587891

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $675.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302303230

19955852

02/19/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-25):xxxx:  The program changed from Jumbo Express to Jumbo.   AUS no longer required.   Exception has been cleared. Seller Comment (2021-02-23): Program changed to Jumbo V24.  Please remove this condition

Reviewer Comment (2021-02-25):xxxx:  The program changed from Jumbo Express to Jumbo.   AUS no longer required.   Exception has been cleared.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330690

No Finding

Loan Completed Without Finding

Review Complete

03/05/2021

1

1

302320431

20022185

02/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-25): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-25): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302173377

19388138

xxxx  6:49:34 AM

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-01-13): Dates verified. Buyer Comment (2021-01-12): ECOA

Reviewer Comment (2021-01-13): Dates verified.

Cleared

01/13/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302173377

19388139

xxxx  6:49:34 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,800.00 exceeds tolerance of $1,200.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-01-29): Sufficient cure was provided at closing. Buyer Comment (2021-01-26): PCCD/Lxxxx Reviewer Comment (2021-01-14): Changed circumstance mentions change in appraised value, which is not a valid reason for the appraisal fee to increase.  Further explanation required. Buyer Comment (2021-01-12): CD/LOE/COC uploaded

Reviewer Comment (2021-01-29): Sufficient cure was provided at closing. Reviewer Comment (2021-01-14): Changed circumstance mentions change in appraised value, which is not a valid reason for the appraisal fee to increase.  Further explanation required.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173377

19388140

xxxx  6:49:34 AM

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-14): PCCD and LOE provided to revise disbursement date. Buyer Comment (2021-01-12): CD'S/LOE/COC Buyer Comment (2021-01-07): No new money to Borrower. Rescission does not apply. Please review.

Reviewer Comment (2021-01-14): PCCD and LOE provided to revise disbursement date.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173377

19715461

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,800.00 exceeds tolerance of $1,200.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-01-29): Sufficient cure was provided at closing.

Reviewer Comment (2021-01-29): Sufficient cure was provided at closing.

Cured

N

3

2

B

B

B

B

B

302130078

19125067

xxxx  2:03:31 PM

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2020-12-28): PCCD provided to revise disbursement date. Buyer Comment (2020-12-19): PCCD

Reviewer Comment (2020-12-28): PCCD provided to revise disbursement date.

Cleared

xxxx  10:55:11 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302227990

19026345

xxxx  10:01:21 AM

Compliance

Federal Compliance

Commission Tax Documentation

Qualified Mortgage (Dodd-Frank 2014): xxxx income missing two years consecutive signed tax returns or tax transcripts (xxxx/xxxx)

Reviewer Comment (2021-02-23): xxxx: Received signed 2019 and 2018 1040's Buyer Comment (2021-02-22): Signatures 2018 and 2019 1040's attached Buyer Comment (2021-02-22): 2019 1040's attached Buyer Comment (2021-02-22): 2018 1040's attached

Reviewer Comment (2021-02-23): xxxx: Received signed 2019 and 2018 1040's

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302227990

19026346

xxxx  10:01:21 AM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-23): xxxx: Received signed 2019 and 2018 1040's Reviewer Comment (2020-12-24): 1040s provided are not signed or dated by the borrowers. Buyer Comment (2020-12-18): tax returns have been uploaded.

Reviewer Comment (2021-02-23): xxxx: Received signed 2019 and 2018 1040's Reviewer Comment (2020-12-24): 1040s provided are not signed or dated by the borrowers.

Cleared

02/23/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302227990

19026416

xxxx  10:04:31 AM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019), WVOE - Includes Income

Reviewer Comment (2020-12-17): VOE and paystubs provided.  Still need 1040's. Buyer Comment (2020-12-16): income docs uploaded.

Reviewer Comment (2020-12-17): VOE and paystubs provided.  Still need 1040's.

Cleared

xxxx  5:24:36 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302227990

19042766

xxxx  1:25:56 PM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2020-12-03): Inspection dated xxxxndicates no damage.

Reviewer Comment (2020-12-03): Inspection dated xxxxndicates no damage.

Cleared

12/03/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302228099

19377525

xxxx  6:20:24 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 7,573.32 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-19): xxxx received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2021-01-12): PCCD/LOE

Reviewer Comment (2021-01-19): xxxx received Letter of Explanation & Corrected Closing Disclosure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302228099

19377567

xxxx  6:24:32 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,708.65 exceeds tolerance of $2,491.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-01-19): xxxx received changed circumstance. Buyer Comment (2021-01-12): COC/CD uploaded

Reviewer Comment (2021-01-19): xxxx received changed circumstance.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228099

19582167

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $450.00 exceeds tolerance of $225.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302184697

19392062

xxxx  12:47:30 PM

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-01-26): Current and prior employment verification provided. Buyer Comment (2021-01-25): Previous VOE

Reviewer Comment (2021-01-26): Current and prior employment verification provided.

Cleared

01/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302184697

19392063

xxxx  12:47:30 PM

Compliance

Federal Compliance

Wages Documentation

Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (xxxx/Wages)

Reviewer Comment (2021-01-26): Current and prior employment verification provided. Buyer Comment (2021-01-25): paystub and offer letter uploaded

Reviewer Comment (2021-01-26): Current and prior employment verification provided.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302184697

19392064

xxxx  12:47:30 PM

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - Wages

Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (xxxx/Wages)

Reviewer Comment (2021-01-26): Current and prior employment verification provided. Buyer Comment (2021-01-25): income docs uploaded

Reviewer Comment (2021-01-26): Current and prior employment verification provided.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302184697

19392065

xxxx  12:47:30 PM

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-26): Current and prior employment verification provided.

Reviewer Comment (2021-01-26): Current and prior employment verification provided.

Cleared

01/26/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302184697

19392066

xxxx  12:47:30 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-01-26): Current and prior employment verification provided.

Reviewer Comment (2021-01-26): Current and prior employment verification provided.

Cleared

01/26/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302184697

19392067

xxxx  12:47:30 PM

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-12): PCCD and LOE provided to revise disbursement date. Buyer Comment (2021-01-12): CD

Reviewer Comment (2021-01-12): PCCD and LOE provided to revise disbursement date.

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302184697

19392068

xxxx  12:47:30 PM

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-01-12): Lender to lender refi with no new money to the borrower. Buyer Comment (2021-01-07): No new money has been extended to the consumer over the previous lien amount. Please review

Reviewer Comment (2021-01-12): Lender to lender refi with no new money to the borrower.

Cleared

01/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302184697

19392081

xxxx  12:49:04 PM

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-26): Current and prior employment verification provided. Buyer Comment (2021-01-25): Previous VOE is uploaded

Reviewer Comment (2021-01-26): Current and prior employment verification provided.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290239

19390305

xxxx  10:52:37 AM

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-01-20): Coverage verified to coincide with disbursement. Buyer Comment (2021-01-19): Uploaded CD w/ xxxx Disbursement Date compare to HZ effective date of xxxx.

Reviewer Comment (2021-01-20): Coverage verified to coincide with disbursement.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290239

19406819

01/04/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-01-20): VOE provided. Buyer Comment (2021-01-19): VOE uploaded.

Reviewer Comment (2021-01-20): VOE provided.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302226829

19398246

01/02/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-18): Provided prior employer VVOEs Buyer Comment (2021-02-17): VOE for previous employment dating prior to 10/2018. Reviewer Comment (2021-01-26): Gap letter acknowledged.  However, borrower verified employment history net of the gap is less than 2 years so does not meet appendix Q.  Verification of employment prior to xxxxs required. Buyer Comment (2021-01-25): Gap letter uploaded.

Reviewer Comment (2021-02-18): Provided prior employer VVOEs Reviewer Comment (2021-01-26): Gap letter acknowledged.  However, borrower verified employment history net of the gap is less than 2 years so does not meet appendix Q.  Verification of employment prior to xxxxs required.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302226829

19398247

01/02/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-18): Provided prior employer VVOEs Reviewer Comment (2021-01-26): Gap letter acknowledged.  However, borrower verified employment history net of the gap is less than 2 years so does not meet appendix Q.  Verification of employment prior to xxxxs required Buyer Comment (2021-01-25): Gap letter uploaded.

Reviewer Comment (2021-02-18): Provided prior employer VVOEs Reviewer Comment (2021-01-26): Gap letter acknowledged.  However, borrower verified employment history net of the gap is less than 2 years so does not meet appendix Q.  Verification of employment prior to xxxxs required

Cleared

02/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302226829

19419664

01/05/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-01-12): Lender to lender refi with no new money to borrower. Buyer Comment (2021-01-07): No new money has been extended to the consumer over the previous lien amount. Please review.

Reviewer Comment (2021-01-12): Lender to lender refi with no new money to borrower.

Cleared

01/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302271660

19546443

01/13/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-01-20): Inspection datedxxxxndicates no damage.

Reviewer Comment (2021-01-20): Inspection datedxxxxndicates no damage.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302227989

19575846

01/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $2,125.00 exceeds tolerance of $2,000.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-01-28): xxxx received Changed Circumstance dated xxxx. Updated in system and cleared the 0% tolerance violation for appraisal fee. Buyer Comment (2021-01-24): COC

Reviewer Comment (2021-01-28): xxxx received Changed Circumstance dated xxxx. Updated in system and cleared the 0% tolerance violation for appraisal fee.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302214491

19398533

01/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $875.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302269308

19592348

01/20/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-27): PCCD and LOE provided to revise disbursement date. Buyer Comment (2021-01-26): PCCD

Reviewer Comment (2021-01-27): PCCD and LOE provided to revise disbursement date.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273020

19551185

01/14/2021

Credit

Insurance Documentation

Missing Document: Flood Insurance Policy not provided

Reviewer Comment (2021-02-03): Flood policy provided. Buyer Comment (2021-01-30): Flood Ins received

Reviewer Comment (2021-02-03): Flood policy provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273020

19552043

01/14/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $975.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302273020

19552044

01/14/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-27): PCCD and LOE provided to revise disbursement date. Buyer Comment (2021-01-26): PCCD/LOE

Reviewer Comment (2021-01-27): PCCD and LOE provided to revise disbursement date.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318370

19937870

02/17/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-26): Received a post-closing CD and LOE dated xxxx, which verifies the final disbursement date is xxxx. Seller Comment (2021-02-25): PCCD and LOE

Reviewer Comment (2021-02-26): Received a post-closing CD and LOE dated xxxx, which verifies the final disbursement date is xxxx.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304018

No Finding

Loan Completed Without Finding

Review Complete

02/16/2021

1

1

302316233

19570785

01/15/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-02-10): PCCD provided to revise disbursement date.  Coverage in effect prior to disbursement. Buyer Comment (2021-02-08): see attached PCCD

Reviewer Comment (2021-02-10): PCCD provided to revise disbursement date.  Coverage in effect prior to disbursement.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316233

19570824

01/15/2021

Compliance

Federal Compliance

RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application

RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Reviewer Comment (2021-02-04): Lender attestation provided that they were closed for business on both Thanksgiving and the day after. Buyer Comment (2021-02-01): RESPA/lender attestation uploaded

Reviewer Comment (2021-02-04): Lender attestation provided that they were closed for business on both Thanksgiving and the day after.

Cleared

02/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302316233

19570825

01/15/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 15,539.26 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-04): Lender calculations provided. Buyer Comment (2021-02-01): updated docs to support calculations on CD

Reviewer Comment (2021-02-04): Lender calculations provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316233

19570826

01/15/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xxxx)

Reviewer Comment (2021-02-04): Lender attestation provided that they were closed for business on both Thanksgiving and the day after. Buyer Comment (2021-02-01): lender attestation regarding timing and business hours

Reviewer Comment (2021-02-04): Lender attestation provided that they were closed for business on both Thanksgiving and the day after.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316233

19570827

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,000.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-15): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-15): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302316233

19570852

01/15/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-03-02): Client acknowledges.

Reviewer Comment (2021-03-02): Client acknowledges.

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302316233

19570853

01/15/2021

Compliance

Federal Compliance

TRID Appraisal Disclosure - ECOA Timing

ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.

Reviewer Comment (2021-02-04): Lender attestation provided that they were closed for business on both Thanksgiving and the day after. Buyer Comment (2021-02-01): lender attestation regarding timing and lender business hours

Reviewer Comment (2021-02-04): Lender attestation provided that they were closed for business on both Thanksgiving and the day after.

Cleared

02/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302316233

19570854

01/15/2021

Compliance

Federal Compliance

RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application

RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.

Reviewer Comment (2021-02-04): Lender attestation provided that they were closed for business on both Thanksgiving and the day after. Buyer Comment (2021-02-01): lender attestation for business hours and timing requirements

Reviewer Comment (2021-02-04): Lender attestation provided that they were closed for business on both Thanksgiving and the day after.

Cleared

02/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302316108

No Finding

Loan Completed Without Finding

Review Complete

01/26/2021

1

1

302371871

19638597

01/22/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-10): Balance sheet provided. Buyer Comment (2021-02-05): Uploaded Balance Sheet

Reviewer Comment (2021-02-10): Balance sheet provided.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302371871

19638598

01/22/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-10): Balance sheet provided. Buyer Comment (2021-02-05): Uploaded Balance Sheet

Reviewer Comment (2021-02-10): Balance sheet provided.

Cleared

02/10/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302371871

19638716

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $775.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320988

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302320918

No Finding

Loan Completed Without Finding

Review Complete

01/26/2021

1

1

302303224

19565644

01/15/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-08): Signed and dated return provided. Buyer Comment (2021-02-04): 2019 Tax Return signed and dated attached

Reviewer Comment (2021-02-08): Signed and dated return provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303224

19565670

01/15/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-08): Signed and dated return provided.

Reviewer Comment (2021-02-08): Signed and dated return provided.

Cleared

02/08/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302303224

19624925

01/21/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification

Reviewer Comment (2021-02-08): REO documentation provided. Buyer Comment (2021-02-04): HOI for xxxx

Reviewer Comment (2021-02-08): REO documentation provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303224

19625103

01/21/2021

Compliance

Federal Compliance

Disparity in Occupancy - Not Tested As Primary

The mortgage loan file contains documenting evidence the consumer intends to occupy the subject property as their primary residence. (Compliance testing performed based on the Occupancy Type of Second Home).  Determination has not been made as to whether the loan would be High Cost and/or HPML if ran as a Primary Residence.

Reviewer Comment (2021-01-26): Second home occupancy documented. Buyer Comment (2021-01-25): Signed final 1003 showing do not intend to occupy is attached.  Please note the borrowers' both work in Colorado and the subject property is in xxxxx Oregon Buyer Comment (2021-01-25): Signed Occupancy Affidavit attached

Reviewer Comment (2021-01-26): Second home occupancy documented.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369375

19883442

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,045.00 exceeds tolerance of $945.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-26): Cured on final CD. Seller Comment (2021-02-23): COC docs Seller Comment (2021-02-19): Please re-review. There is $100 lender credit in file on final CD 1/5/21.

Reviewer Comment (2021-02-26): Cured on final CD.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369375

20040021

02/26/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,045.00 exceeds tolerance of $945.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-26): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-26): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302244968

19545371

01/13/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.25725% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-03-01): 3/1/2021:  Lender provided the updated UW Analysis and AUS.   Added the bonus income with 2 year average. Exception has been cleared. Reviewer Comment (2021-02-24): Rental calc appears the same and is based on rental income before PITIA.  Including PITIA results in a loss. Buyer Comment (2021-02-23): Lender provided new rental calc, AUS and LOX Reviewer Comment (2021-02-18): Calculation provided does not include the PITIA. Buyer Comment (2021-02-17): Rental income calculations worksheet attached Buyer Comment (2021-02-17): Lease renewals attached

Reviewer Comment (2021-03-01): 3/1/2021:  Lender provided the updated UW Analysis and AUS.   Added the bonus income with 2 year average. Exception has been cleared. Reviewer Comment (2021-02-24): Rental calc appears the same and is based on rental income before PITIA.  Including PITIA results in a loss. Reviewer Comment (2021-02-18): Calculation provided does not include the PITIA.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302244968

19545380

01/13/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-03-01): 3/1/2021:  Lender provided the updated UW Analysis and AUS.   Added the bonus income with 2 year average. Exception has been cleared. Reviewer Comment (2021-02-24): Rental calc appears the same and is based on rental income before PITIA.  Including PITIA results in a loss. Buyer Comment (2021-02-23): Lender provided new rental calc, AUS and LOX

Reviewer Comment (2021-03-01): 3/1/2021:  Lender provided the updated UW Analysis and AUS.   Added the bonus income with 2 year average. Exception has been cleared. Reviewer Comment (2021-02-24): Rental calc appears the same and is based on rental income before PITIA.  Including PITIA results in a loss.

Cleared

03/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302244968

19545381

01/13/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-03-01): 3/1/2021:  Lender provided the updated UW Analysis and AUS.   Added the bonus income with 2 year average. Exception has been cleared. Reviewer Comment (2021-02-24): Rental calc appears the same and is based on rental income before PITIA.  Including PITIA results in a loss. Buyer Comment (2021-02-23): Lender provided new rental calc, AUS and LOX

Reviewer Comment (2021-03-01): 3/1/2021:  Lender provided the updated UW Analysis and AUS.   Added the bonus income with 2 year average. Exception has been cleared. Reviewer Comment (2021-02-24): Rental calc appears the same and is based on rental income before PITIA.  Including PITIA results in a loss.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302244968

19545410

01/13/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 43.25725% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-03-01): 3/1/2021:  Lender provided the updated UW Analysis and AUS.   Added the bonus income with 2 year average. Exception has been cleared. Buyer Comment (2021-02-26): DU with revised income calculations attached Buyer Comment (2021-02-26): Bonus income calculations worksheet attached Buyer Comment (2021-02-26): Revised income calculations letter attached

Reviewer Comment (2021-03-01): 3/1/2021:  Lender provided the updated UW Analysis and AUS.   Added the bonus income with 2 year average. Exception has been cleared.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302244968

19545422

01/13/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-03-01): 3/1/2021:  Lender provided the updated UW Analysis and AUS.   Added the bonus income with 2 year average. Exception has been cleared.

Reviewer Comment (2021-03-01): 3/1/2021:  Lender provided the updated UW Analysis and AUS.   Added the bonus income with 2 year average. Exception has been cleared.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314951

19841072

02/08/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $137,453.60 is less than Cash From Borrower $267,012.49.

Reviewer Comment (2021-02-18):xxxx:  Received xxxx account for inherited IRA.  Exception has been cleared. Seller Comment (2021-02-17): Lender Response: "xxxx = $14908.68 xxxx = $3199.95 xxxx = $50715.94 xxxx = $87,013.22 @ 70% = $60,909.25 xxxx $855, 692.56 of which $282687.52 is cash. **Only using the cash as that is the source of the down payment) Total assets $412,420.74 of which $351,512.09 is liquid."  Asset documentation uploaded.

Reviewer Comment (2021-02-18):xxxx:  Received xxxx account for inherited IRA.  Exception has been cleared.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314951

19842203

02/08/2021

Compliance

Federal Compliance

Income Method of Calculation

Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. (xxxx/Schedule C)

Reviewer Comment (2021-02-18):xxxx:  Lender provided the YTD P&L, Balance Sheet and 3rd party verification.   Exception has been cleared. Seller Comment (2021-02-17): Uploaded YTD P&L and balance sheet

Reviewer Comment (2021-02-18):xxxx:  Lender provided the YTD P&L, Balance Sheet and 3rd party verification.   Exception has been cleared.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314951

19842204

02/08/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-18):xxxx:  Lender provided the YTD P&L, Balance Sheet and 3rd party verification.   Exception has been cleared. Seller Comment (2021-02-17): Uploaded YTD P&L and balance sheet

Reviewer Comment (2021-02-18):xxxx:  Lender provided the YTD P&L, Balance Sheet and 3rd party verification.   Exception has been cleared.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314951

19842205

02/08/2021

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Schedule C Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxx/Schedule C)

Reviewer Comment (2021-02-18):xxxx:  Lender provided the P&L, Balance Sheet and 3rd party verification from xxxx.  Exception has been cleared. Seller Comment (2021-02-17): Uploaded Business Verification

Reviewer Comment (2021-02-18):xxxx:  Lender provided the P&L, Balance Sheet and 3rd party verification from xxxx.  Exception has been cleared.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314951

19842210

02/08/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-18):xxxx:  Lender provided the P&L, Balance Sheet and 3rd party verification from xxxx.  Exception has been cleared. Seller Comment (2021-02-17): Uploaded verification

Reviewer Comment (2021-02-18):xxxx:  Lender provided the P&L, Balance Sheet and 3rd party verification from xxxx.  Exception has been cleared.

Cleared

02/18/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302314951

19842211

02/08/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-18):xxxx:  Lender provided the P&L, Balance Sheet and 3rd party verification from xxxx.  Exception has been cleared.

Reviewer Comment (2021-02-18):xxxx:  Lender provided the P&L, Balance Sheet and 3rd party verification from xxxx.  Exception has been cleared.

Cleared

02/18/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302314951

19842212

02/08/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-18):xxxx:  Lender provided the YTD P&L, Balance Sheet and 3rd party verification.   Exception has been cleared. Seller Comment (2021-02-17): Uploaded Business verification.

Reviewer Comment (2021-02-18):xxxx:  Lender provided the YTD P&L, Balance Sheet and 3rd party verification.   Exception has been cleared.

Cleared

02/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302314951

19842250

02/08/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2021-02-18):xxxx:  Lender provided xxxx account for inherited IRA.   Exception has been cleared. Seller Comment (2021-02-17): Lender Response: "xxxx = $14908.68 xxxx = $3199.95 xxxx X4244= $50715.94 xxxx = $87,013.22 @ 70% = $60,909.25 xxxx $855, 692.56 of which $282687.52 is cash. **Only using the cash as that is the source of the down payment) Total assets $412,420.74 of which $351,512.09 is liquid." Asset docs uploaded.

Reviewer Comment (2021-02-18):xxxx:  Lender provided xxxx account for inherited IRA.   Exception has been cleared.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289115

19665662

01/26/2021

Credit

Closing / Title

Missing Document: Security Instrument - Subject Lien not provided

Reviewer Comment (2021-02-01): Received mortgage. Seller Comment (2021-01-28): Mortgage

Reviewer Comment (2021-02-01): Received mortgage.

Cleared

02/01/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302289115

19674913

01/26/2021

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2021-02-01): Received iniital 1003. Seller Comment (2021-01-28): Initial 1003

Reviewer Comment (2021-02-01): Received iniital 1003.

Cleared

02/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302289115

19675107

01/26/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,025.00 exceeds tolerance of $395.00 plus 10% or $434.50.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-10): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Buyer Comment (2021-02-04): Can you please clarify how you calculated the 10% violation? We provided the cure as initial requested. Reviewer Comment (2021-02-04): Received PCCD issuedxxxx reflecting a total tolerance cure of $909.50 which included the additional $54.50 just sent.  Correction to the amount owed.  The amount of the 10% tolerance violation owed is $590.50 ($1,025-$434.50), $225 for home inspection and $250 Payoff fee.  Total amount of refund required is $1,065.50, amount already refunded is $909.50.  An additional $156.50 is required. Seller Comment (2021-02-02): Check, PCCD, LOX and shipping label

Reviewer Comment (2021-02-10): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Reviewer Comment (2021-02-04): Received PCCD issuedxxxx reflecting a total tolerance cure of $909.50 which included the additional $54.50 just sent.  Correction to the amount owed.  The amount of the 10% tolerance violation owed is $590.50 ($1,025-$434.50), $225 for home inspection and $250 Payoff fee.  Total amount of refund required is $1,065.50, amount already refunded is $909.50.  An additional $156.50 is required.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289115

19675108

01/26/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee.  Fee Amount of $225.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7535)

Reviewer Comment (2021-02-10): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Buyer Comment (2021-02-04): Can you please clarify how you calculated the 10% violation? We provided the cure as initial requested. Reviewer Comment (2021-02-04): Received PCCD issuedxxxx reflecting a total tolerance cure of $909.50 which included the additional $54.50 just sent.  Correction to the amount owed.  The amount of the 10% tolerance violation owed is $590.50 ($1,025-$434.50), $225 for home inspection and $250 Payoff fee.  Total amount of refund required is $1,065.50, amount already refunded is $909.50.  An additional $156.50 is required. Seller Comment (2021-02-02): PCCD, Check, LOX, shipping label.

Reviewer Comment (2021-02-10): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Reviewer Comment (2021-02-04): Received PCCD issuedxxxx reflecting a total tolerance cure of $909.50 which included the additional $54.50 just sent.  Correction to the amount owed.  The amount of the 10% tolerance violation owed is $590.50 ($1,025-$434.50), $225 for home inspection and $250 Payoff fee.  Total amount of refund required is $1,065.50, amount already refunded is $909.50.  An additional $156.50 is required.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289115

19873026

02/10/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,025.00 exceeds tolerance of $395.00 plus 10% or $434.50.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302289115

19873027

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee.  Fee Amount of $225.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7535)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302394096

19788481

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $819.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

301916830

19306347

xxxx  9:59:26 AM

Credit

Guideline Issue

Aged document: Asset Account date is more than 90 days prior to Closing.

Financial Institution: xxxx // Account Type: Individual Retirement Account (IRA) / Account Number: xxxx

Reviewer Comment (2021-01-19): Provided most recent statement Seller Comment (2021-01-15): year end statement

Reviewer Comment (2021-01-19): Provided most recent statement

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302400766

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302307776

19933046

02/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $520.00 exceeds tolerance of $420.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-17): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-17): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302372027

19685356

01/27/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-09): AUS approved and all income documentation provided as req Buyer Comment (2021-02-01): This loan is only subject to AUS requirements, AUS does not require W2s to verify income, all income documentation needed by AUS is in file.  Please clear condition.

Reviewer Comment (2021-02-09): AUS approved and all income documentation provided as req

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302268725

No Finding

Loan Completed Without Finding

Review Complete

xxxx  11:04:13 AM

1

1

302271798

19703853

01/29/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-06): Provided HO-6 Policy Seller Comment (2021-02-04): Please see attached.

Reviewer Comment (2021-02-06): Provided HO-6 Policy

Cleared

02/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302401962

20013211

02/24/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $425.00 exceeds tolerance of $379.00 plus 10% or $416.90.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-24): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-24): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302401962

20013689

02/24/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-24): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-24): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302273097

19495274

01/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 78.87 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-14): Letter of Explanation & Corrected Closing Disclosure Provided Seller Comment (2021-01-11): CD+LOX to clear.

Reviewer Comment (2021-01-14): Letter of Explanation & Corrected Closing Disclosure Provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302273097

19495275

01/08/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-01-14): Provided earlier econsent date Seller Comment (2021-01-11): EConsent to clear.

Reviewer Comment (2021-01-14): Provided earlier econsent date

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273097

19503392

01/10/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-01-15): Received evidence of no gap in employment. Buyer Comment (2021-01-11): Please clarify what Gap in employment there was and what is being looked for.

Reviewer Comment (2021-01-15): Received evidence of no gap in employment.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273097

19503393

01/10/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-15): Received evidence of no gap in employment. Seller Comment (2021-01-13): Employment explanation to clear.

Reviewer Comment (2021-01-15): Received evidence of no gap in employment.

Cleared

01/15/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302327920

19585951

01/19/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-02-01): Received lease agreement. Seller Comment (2021-01-29): Lease agreemtn

Reviewer Comment (2021-02-01): Received lease agreement.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327920

19585954

01/19/2021

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Schedule C Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxx/Schedule C)

Reviewer Comment (2021-02-01): Received lease agreement. Seller Comment (2021-01-27): VOE

Reviewer Comment (2021-02-01): Received lease agreement.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327920

19585955

01/19/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - REO Schedule E Method Test

Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (Schedule E Method).  File does not contain most recent year Tax Transcripts, signed and dated 1040's or Schedule E. (xxxx/Schedule E)

Reviewer Comment (2021-02-01): Received lease agreement. Buyer Comment (2021-01-29): Lease uploaded to other condition.

Reviewer Comment (2021-02-01): Received lease agreement.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327920

19585999

01/19/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-11): Start date verified. Seller Comment (2021-02-08): voe Reviewer Comment (2021-02-01): Third party verification of self employment was not received.  Missing evidence of business start date. Buyer Comment (2021-01-27): See previous condition for VOE

Reviewer Comment (2021-02-11): Start date verified. Reviewer Comment (2021-02-01): Third party verification of self employment was not received.  Missing evidence of business start date.

Cleared

02/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302327920

19586001

01/19/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-01): Received lease agreement.

Reviewer Comment (2021-02-01): Received lease agreement.

Cleared

02/01/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302327920

19586002

01/19/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-01): Received lease agreement. Buyer Comment (2021-01-27): See previous condition for VOE

Reviewer Comment (2021-02-01): Received lease agreement.

Cleared

02/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302327920

19586003

01/19/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $410.00 exceeds tolerance of $361.00 plus 10% or $397.10.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-12): xxxx received PCCD indicating cure, LOE, and refund check. Seller Comment (2021-02-08): PCCD

Reviewer Comment (2021-02-12): xxxx received PCCD indicating cure, LOE, and refund check.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327920

19603533

01/21/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-01): Received fraud report.  All red flags addressed. Seller Comment (2021-01-27): Fraud rpt

Reviewer Comment (2021-02-01): Received fraud report.  All red flags addressed.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327920

19895747

02/12/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $410.00 exceeds tolerance of $361.00 plus 10% or $397.10.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (0)

Reviewer Comment (2021-02-12): xxxx received PCCD indicating cure, LOE, and refund check.

Reviewer Comment (2021-02-12): xxxx received PCCD indicating cure, LOE, and refund check.

Cured

N

3

2

B

B

B

B

B

302034831

19804540

02/08/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-19): First 2 years reflect Positive Capital Gain. 3rd year not required. Buyer Comment (2021-02-18): 2019 Capital Gains income $xxxx 2018 Capital Gains Income $xxxx Capital Gains Income was not used to qualify. Carryover losses (line 14) excluded

Reviewer Comment (2021-02-19): First 2 years reflect Positive Capital Gain. 3rd year not required.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302034831

19804541

02/08/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-19): First 2 years reflect Positive Capital Gain. 3rd year not required. Buyer Comment (2021-02-18): 2019 Capital Gains income $xxxx 2018 Capital Gains Income $xxxx Capital Gains Income was not used to qualify. Carryover losses (line 14) excluded.

Reviewer Comment (2021-02-19): First 2 years reflect Positive Capital Gain. 3rd year not required.

Cleared

02/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302409411

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

301984550

19194346

12/08/2020

Compliance

Federal Compliance

K-1 Documentation

Qualified Mortgage (Dodd-Frank 2014): Required K-1s or signed tax returns/transcripts not provided for K-1 (Less than 25% Ownership) income. (xxxx/Schedule K-1 less than 25 Percent)

Reviewer Comment (2021-01-06): Provided transcripts and LOX from borrower that did not receive a K-1 for 2018 Seller Comment (2021-01-03): Transcripts Buyer Comment (2020-12-29): LOX was provided concerning borrower not receiving a K-1 for 2018 and all other tax docs needed to clear this were provided. Please re-review and clear the remaining suspensions so this loan can be purchased. Reviewer Comment (2020-12-28): 2018 K-1 was not provided. Seller Comment (2020-12-22): Income Docs Reviewer Comment (2020-12-16): Missing 2018 K1 from xxxx. 2019 was provided. Seller Comment (2020-12-15): LOX

Reviewer Comment (2021-01-06): Provided transcripts and LOX from borrower that did not receive a K-1 for 2018 Reviewer Comment (2020-12-28): 2018 K-1 was not provided. Reviewer Comment (2020-12-16): Missing 2018 K1 from xxxx. 2019 was provided.

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301984550

19194347

12/08/2020

Compliance

Federal Compliance

K-1 Justification

Qualified Mortgage (Dodd-Frank 2014): K-1 (Less than 25% Ownership) income earned for less than two (2) years is not allowed. (xxxx/Schedule K-1 less than 25 Percent)

Reviewer Comment (2021-01-06): Full WVOE reflects been with company since 2013 and becoming partner within that timeframe. K1 and transcripts provided Seller Comment (2021-01-03): Transcripts Reviewer Comment (2020-12-28): 2018 K-1 was not provided. Seller Comment (2020-12-22): income docs Reviewer Comment (2020-12-16): Missing 2018 K1 from xxxx. 2019 was provided. Seller Comment (2020-12-15): LOX

Reviewer Comment (2021-01-06): Full WVOE reflects been with company since 2013 and becoming partner within that timeframe. K1 and transcripts provided Reviewer Comment (2020-12-28): 2018 K-1 was not provided. Reviewer Comment (2020-12-16): Missing 2018 K1 from xxxx. 2019 was provided.

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301984550

19194348

12/08/2020

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-06): Full WVOE reflects been with company since 2013 and becoming partner within that timeframe. K1 and transcripts provided Buyer Comment (2021-01-05): Please clear this suspense along with the other remaining ones using the documentation provided.

Reviewer Comment (2021-01-06): Full WVOE reflects been with company since 2013 and becoming partner within that timeframe. K1 and transcripts provided

Cleared

01/06/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

301984550

19194351

12/08/2020

Credit

Credit Documentation

Missing Document: Credit Report not provided

Reviewer Comment (2020-12-10): Received credit report. Seller Comment (2020-12-09): Credit Report

Reviewer Comment (2020-12-10): Received credit report.

Cleared

xxxx  4:04:08 PM

N

3

1

D

A

D

A

D

A

D

A

D

A

301984550

19194356

12/08/2020

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2020-12-10): Received PCCD issued 12/9/2020 reflecting an updated disbursement date of xxxx and a LOX. Seller Comment (2020-12-09): PC CD and LOX

Reviewer Comment (2020-12-10): Received PCCD issued 12/9/2020 reflecting an updated disbursement date of xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

301984550

19194357

12/08/2020

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $525.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2020-12-08): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302403267

19613847

01/21/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification

Reviewer Comment (2021-02-01): Received evidence there is no HOA fees. Seller Comment (2021-01-27): There is a blanket policy that covers both xxxx.  There is no HOA dues.  The policy was divided in half and listed as half for each unit. Reviewer Comment (2021-01-26): Evidence of HOA dues was not provided. Seller Comment (2021-01-25): HOA verification

Reviewer Comment (2021-02-01): Received evidence there is no HOA fees. Reviewer Comment (2021-01-26): Evidence of HOA dues was not provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302403267

19613853

01/21/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification

Reviewer Comment (2021-02-01): Received evidence there is no HOA fees. Seller Comment (2021-01-27): There is a blanket policy that covers both xxxx.  There is no HOA dues.  The policy was divided in half and listed as half for each unit. Reviewer Comment (2021-01-26): Evidence of HOA dues was not provided. Seller Comment (2021-01-25): HOA documentation

Reviewer Comment (2021-02-01): Received evidence there is no HOA fees. Reviewer Comment (2021-01-26): Evidence of HOA dues was not provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302337240

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302290291

19775452

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $250.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302314652

19822199

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $710.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302026383

19931527

02/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $550.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-17): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-17): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302387239

19884516

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75106)

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

301988553

No Finding

Loan Completed Without Finding

Review Complete

12/02/2020

1

1

302029673

19700742

01/28/2021

Credit

Closing / Title

Missing Document: Security Instrument - Subject Lien not provided

Reviewer Comment (2021-02-10): Received mortgage. Seller Comment (2021-02-04): Consolidated Mtg

Reviewer Comment (2021-02-10): Received mortgage.

Cleared

02/10/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302029673

19705844

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rate Lock Fee.  Fee Amount of $939.60 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7335)

Reviewer Comment (2021-02-14): Received a valid COC. Seller Comment (2021-02-10): COC

Reviewer Comment (2021-02-14): Received a valid COC.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302029673

19714874

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rate Lock Extension Fee.  Fee Amount of $1,620.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7330)

Reviewer Comment (2021-02-14): Received a valid COC. Seller Comment (2021-02-10): COC

Reviewer Comment (2021-02-14): Received a valid COC.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367034

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302029423

19706251

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302029423

19706252

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan).  Fee Amount of $50.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (77140)

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302400981

19910678

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302318116

19845093

02/09/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-03-02): Lender provided post closing CD  correcting disbursement date. Seller Comment (2021-02-26): PC CD and final settlement statement uploaded to address.

Reviewer Comment (2021-03-02): Lender provided post closing CD  correcting disbursement date.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318116

19879436

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $225.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302318116

19879722

02/10/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-02): Lender provided post closing VVOE.

Reviewer Comment (2021-03-02): Lender provided post closing VVOE.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318116

19879747

02/10/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-03-02): Lender provided post closing VVOE. Seller Comment (2021-03-01): voe attached.

Reviewer Comment (2021-03-02): Lender provided post closing VVOE.

Cleared

03/02/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302318116

19879748

02/10/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,541.43  is less than amount of binding Lender Credit previously disclosed in the amount of $-3,548.00. (9300)

Reviewer Comment (2021-03-02): Lender provided LOX about satisfactory cures. Seller Comment (2021-03-01): Closer lox attached. No additional cure required.

Reviewer Comment (2021-03-02): Lender provided LOX about satisfactory cures.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302034272

19163931

12/04/2020

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2020-12-11): Self-employment verified for more than 2 years.  Income not being used to qualify. Seller Comment (2020-12-08): Documentation attached confirms employment (S/E) for more than 2 years.

Reviewer Comment (2020-12-11): Self-employment verified for more than 2 years.  Income not being used to qualify.

Cleared

xxxx  9:30:35 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302034272

19163932

12/04/2020

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2020-12-11): Self-employment verified for more than 2 years.  Income not being used to qualify.

Reviewer Comment (2020-12-11): Self-employment verified for more than 2 years.  Income not being used to qualify.

Cleared

xxxx  9:30:35 AM

N

3

1

B

A

C

A

C

A

B

A

B

A

302335634

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302365608

19795235

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302365608

19795236

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Insurance Certificate Fee.  Fee Amount of $54.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7543)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302070368

19699797

01/28/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-04): Provided PDI Seller Comment (2021-02-03): PDI

Reviewer Comment (2021-02-04): Provided PDI

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302070368

19699944

01/28/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-12): Provided the Balance Sheet.xxxx Seller Comment (2021-02-11): business is a loss, and not generating qualified income, no verification required

Reviewer Comment (2021-02-12): Provided the Balance Sheet.xxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302070368

19699945

01/28/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-12): Provided the Balance Sheet.xxxx

Reviewer Comment (2021-02-12): Provided the Balance Sheet.xxxx

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302070368

19707348

01/29/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-19): Provided Hazard Insurance Binder reflecting $324,850 in extended coverage.xxxx Seller Comment (2021-02-18): Attached please see the declarations page for the insured with Extend Dwelling Coverage of 50%, this is sufficient coverage for the RCE on file. Reviewer Comment (2021-02-16): Insurer replacement cost estimate is higher than coverage amount. Seller Comment (2021-02-16): ins policy w extended dwelling coverage and RCE attached

Reviewer Comment (2021-02-19): Provided Hazard Insurance Binder reflecting $324,850 in extended coverage.xxxx Reviewer Comment (2021-02-16): Insurer replacement cost estimate is higher than coverage amount.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302403228

19593279

01/20/2021

Credit

Closing / Title

Missing Document: Security Instrument - Subject Lien not provided

Reviewer Comment (2021-01-28): Received mortgage. Seller Comment (2021-01-25): Mortgage

Reviewer Comment (2021-01-28): Received mortgage.

Cleared

01/28/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302403228

19599486

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $600.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-20): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-20): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302403228

19599509

01/20/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.71 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-02-18): Provided updated Retirement statements for Reserves requirements.xxxx Seller Comment (2021-02-17): IRA Docs Reviewer Comment (2021-02-16): Client provided updated LP finding/results pulledxxxx, updated 1003 and 1008 to show only the $2,884.30 in xxxx were used for closing. This documentation cannot be used to meet the requirement from the time of approval as the note date is xxxxand updated LP isxxxx. Exception remains open to document the assets that were used for initial approval/found on final 1003. Seller Comment (2021-02-15): Updated 1003, 1008, and AUS removing accts in question.

Reviewer Comment (2021-02-18): Provided updated Retirement statements for Reserves requirements.xxxx Reviewer Comment (2021-02-16): Client provided updated LP finding/results pulledxxxx, updated 1003 and 1008 to show only the $2,884.30 in xxxx were used for closing. This documentation cannot be used to meet the requirement from the time of approval as the note date is xxxxand updated LP isxxxx. Exception remains open to document the assets that were used for initial approval/found on final 1003.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302403228

19616146

01/21/2021

Credit

Income Eligibility

Borrower has un-audited YTD P&L and  does not have 2 months business bank statements. (GSE COVID-19)

Borrower: xxxx // Employment Type: Employment / Income Type: S-Corp (>= 25%) / Start Date: xxxx

Reviewer Comment (2021-01-28): Received 2 months business bank statements. Seller Comment (2021-01-25): Bus Statements

Reviewer Comment (2021-01-28): Received 2 months business bank statements.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302403228

19616147

01/21/2021

Credit

Income Eligibility

Borrower has un-audited YTD P&L and  does not have 2 months business bank statements. (GSE COVID-19)

Borrower: xxxx // Employment Type: Employment / Income Type: S-Corp (>= 25%) / Start Date: xxxx

Reviewer Comment (2021-01-28): Received 2 months business bank statements. Seller Comment (2021-01-25): Business Bank Statements

Reviewer Comment (2021-01-28): Received 2 months business bank statements.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302248767

19859686

02/09/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1065 (2018), K-1 (2018)

Reviewer Comment (2021-02-25): Received missing income docs. Seller Comment (2021-02-24): attached business returns 1065 and K1 for send out cards and personal 1040s.

Reviewer Comment (2021-02-25): Received missing income docs.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302248767

19943575

02/18/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-25): Received business and personal tax returns and K-1. Buyer Comment (2021-02-24): tax returns uploaded. dup condition

Reviewer Comment (2021-02-25): Received business and personal tax returns and K-1.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302248767

19943577

02/18/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-25): Received business and personal tax returns and K-1.

Reviewer Comment (2021-02-25): Received business and personal tax returns and K-1.

Cleared

02/25/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302388202

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302330679

19729846

02/01/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-11): Received PCCD issuedxxxx reflecting an updated disbursement date ofxxxx and a LOX. Seller Comment (2021-02-11): attached pccd

Reviewer Comment (2021-02-11): Received PCCD issuedxxxx reflecting an updated disbursement date ofxxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302330679

19729859

02/01/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-11): Received VOE from prior employer. Seller Comment (2021-02-09): voe attached

Reviewer Comment (2021-02-11): Received VOE from prior employer.

Cleared

02/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302330679

19737354

02/01/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-11): Received VOE from prior employer. Seller Comment (2021-02-09): attached

Reviewer Comment (2021-02-11): Received VOE from prior employer.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259687

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302332780

19741012

02/02/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-977.32  is less than amount of binding Lender Credit previously disclosed in the amount of $-986.00. (9300)

Reviewer Comment (2021-02-26): Changed circumstance describing lender credit provided. Seller Comment (2021-02-22): attached Reviewer Comment (2021-02-16): COC dated xxxx does not reflect a decrease in the lender credit, just a decrease in the loan amount. Seller Comment (2021-02-11): See attached

Reviewer Comment (2021-02-26): Changed circumstance describing lender credit provided. Reviewer Comment (2021-02-16): COC dated xxxx does not reflect a decrease in the lender credit, just a decrease in the loan amount.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388852

19695681

01/28/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 22,514.58 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-08): Upon further review, annual property costs are acceptable. Seller Comment (2021-02-03): CD appears correct. Taxes calculated $xxxx x rate 1.05957 + fixed assmts $1220.54 = 20292.8/ 12 = $1691.07 month.  Add $355.71 for ins/HOA for $2,046.78/month.

Reviewer Comment (2021-02-08): Upon further review, annual property costs are acceptable.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388852

19715143

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $110.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302356779

No Finding

Loan Completed Without Finding

Review Complete

02/25/2021

1

1

302371973

19650662

01/23/2021

Credit

Mortgage / Program Eligibility

Missing Document: Note - Subordinate Lien not provided

Reviewer Comment (2021-02-11): Received copy of the HELOC agreement.

Reviewer Comment (2021-02-11): Received copy of the HELOC agreement.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302371973

19650708

01/23/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $640.00 exceeds tolerance of $390.00 plus 10% or $429.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-01-23): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-23): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302412224

19885023

02/11/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-03-04): Received earlier e-consent. Seller Comment (2021-03-01): see attached screenshot from LOS confirming econsent date

Reviewer Comment (2021-03-04): Received earlier e-consent.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173131

19901144

02/12/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-03-04): Fraud report provided and input. Seller Comment (2021-03-03): attached

Reviewer Comment (2021-03-04): Fraud report provided and input.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173131

19901515

02/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $675.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302112535

19847876

02/09/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-25): P&L and balance sheet provided. Seller Comment (2021-02-23): P&L Balance Sheet

Reviewer Comment (2021-02-25): P&L and balance sheet provided.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302112535

19847878

02/09/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-25): P&L and balance sheet provided. Seller Comment (2021-02-23): P&L Balance Sheet xxxx

Reviewer Comment (2021-02-25): P&L and balance sheet provided.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302112535

19847879

02/09/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302112535

19847888

02/09/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-25): P&L and balance sheet provided.

Reviewer Comment (2021-02-25): P&L and balance sheet provided.

Cleared

02/25/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302338244

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302356719

19968874

02/22/2021

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Reviewer Comment (2021-03-03): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property. Seller Comment (2021-03-02): PDI

Reviewer Comment (2021-03-03): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property.

Property inspected post disaster but pre-FEMA declaration of disaster end date.

Waived

N

3

2

C

B

B

B

C

B

C

B

C

B

302128338

19784776

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302130101

19793178

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Monitoring Service.  Fee Amount of $62.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75213)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302132591

19383724

xxxx  1:08:38 PM

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-01-21): Received P&L and balance sheet. Seller Comment (2021-01-20): attached Reviewer Comment (2021-01-13): Provided active business license, missing YTD P&L and Balance Sheet for for xxxx Seller Comment (2021-01-08): 3rd party voe attached. still working on P&L and balance sheet

Reviewer Comment (2021-01-21): Received P&L and balance sheet. Reviewer Comment (2021-01-13): Provided active business license, missing YTD P&L and Balance Sheet for for xxxx

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302132591

19383731

xxxx  1:09:50 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-21): Received P&L and balance sheet. Seller Comment (2021-01-20): attached

Reviewer Comment (2021-01-21): Received P&L and balance sheet.

Cleared

01/21/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302132591

19384524

xxxx  2:07:51 PM

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $395.00 exceeds tolerance of $358.00 plus 10% or $393.80.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2020-12-30): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-30): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

301983859

19038256

xxxx  11:41:42 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $425.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2020-11-22): Sufficient Cure Provided At Closing

Reviewer Comment (2020-11-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302337336

19793818

02/05/2021

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302337336

19795677

02/05/2021

Credit

Credit Documentation

Aged document: Credit Report  is more than 90 days prior to the note date.

Credit Report: Original // Borrower: xxxxx

Reviewer Comment (2021-02-20): Good for 120 days Seller Comment (2021-02-19): app datexxxx

Reviewer Comment (2021-02-20): Good for 120 days

Cleared

02/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302337336

19796437

02/05/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-19): Provided Balance sheet

Reviewer Comment (2021-02-19): Provided Balance sheet

Cleared

02/19/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302337336

19796467

02/05/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-19): Provided Balance sheet Seller Comment (2021-02-18): SE is clearly listed as a loss, not income, signed balance attached

Reviewer Comment (2021-02-19): Provided Balance sheet

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302337336

19796488

02/05/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-19): Provided Balance sheet

Reviewer Comment (2021-02-19): Provided Balance sheet

Cleared

02/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302337336

20102331

03/03/2021

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Reviewer Comment (2021-03-04): Received copy of the post disaster inspection showing no damage.

Reviewer Comment (2021-03-04): Received copy of the post disaster inspection showing no damage.

Cleared

03/04/2021

N

3

1

A

A

A

A

A

302148583

19731390

02/01/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $648.00 exceeds tolerance of $379.00 plus 10% or $416.90.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302148583

19731392

02/01/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-19): Provided Letter of Explanation to borrower, & PCCD correcting disbursement date Seller Comment (2021-02-18): LOX Reviewer Comment (2021-02-13): Received PCCD issued 2/4/2021 reflecting a disbursement date ofxxxx and a closing statement.  Missing LOE that was sent to the borrower. Seller Comment (2021-02-12): Seems unnecessary but attached. Reviewer Comment (2021-02-10): Received Post Close CD however still need to provide final Closing statement reflecting date of disbursement date. Both Closing statements in file reflect 2 different disbursement dates which do not match Post Close CD. Also, provide corrected Right To Cancel disclosure with updated closing and disbursement dates. Condition remains open. Seller Comment (2021-02-04): PCCD

Reviewer Comment (2021-02-19): Provided Letter of Explanation to borrower, & PCCD correcting disbursement date Reviewer Comment (2021-02-13): Received PCCD issued 2/4/2021 reflecting a disbursement date ofxxxx and a closing statement.  Missing LOE that was sent to the borrower. Reviewer Comment (2021-02-10): Received Post Close CD however still need to provide final Closing statement reflecting date of disbursement date. Both Closing statements in file reflect 2 different disbursement dates which do not match Post Close CD. Also, provide corrected Right To Cancel disclosure with updated closing and disbursement dates. Condition remains open.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302250045

19674140

01/26/2021

Credit

Application / Processing

Missing Document: Other not provided

Reviewer Comment (2021-02-05): Received evidence account is closed. Seller Comment (2021-02-03): evidence mortgage closed out.

Reviewer Comment (2021-02-05): Received evidence account is closed.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

D

A

302250045

19674430

01/26/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,224.74 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-10): xxxx received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2021-02-05): attached Reviewer Comment (2021-02-04): xxxx reviewed exception. The 21-22 dec page in file is not an estimate and should be used as the renewal was within 60 days of consummation. Please provide a corrected CD and LOE to cure. Seller Comment (2021-02-01): This condition is not valid. The reviewer is using the premium estimate to calculate monthly insurance. The closer used the attached final policy. Please waive this suspense.

Reviewer Comment (2021-02-10): xxxx received Letter of Explanation & Corrected Closing Disclosure. Reviewer Comment (2021-02-04): xxxx reviewed exception. The 21-22 dec page in file is not an estimate and should be used as the renewal was within 60 days of consummation. Please provide a corrected CD and LOE to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302326623

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302263954

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302326601

No Finding

Loan Completed Without Finding

Review Complete

02/24/2021

1

1

302265701

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302336634

No Finding

Loan Completed Without Finding

Review Complete

02/25/2021

1

1

302316243

19907536

02/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-15): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-15): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302394075

19741646

02/02/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-10): xxxx has insured the property for 100% of the estimated replacement cost. Seller Comment (2021-02-09): RCE referenced directly by ins agent

Reviewer Comment (2021-02-10): xxxx has insured the property for 100% of the estimated replacement cost.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302394075

19742020

02/02/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-10): Signed copies of the 2017 1040s for the coborrower were found in the loan file Seller Comment (2021-02-10): borrower returns w/ sched d was in file, please see attached Seller Comment (2021-02-09): 1040s w sched d/8949 for 2017-2019, these were in file, please reassess and clear

Reviewer Comment (2021-02-10): Signed copies of the 2017 1040s for the coborrower were found in the loan file

Cleared

02/10/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302394075

19766514

02/02/2021

Compliance

Federal Compliance

Capital Gains Assets

Qualified Mortgage (Dodd-Frank 2014): Documentation to support Capital Gains income requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-10): Signed copies of the 2017 1040s for the coborrower were found in the loan file

Reviewer Comment (2021-02-10): Signed copies of the 2017 1040s for the coborrower were found in the loan file

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302394075

19766515

02/02/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-10): Signed copies of the 2017 1040s for the coborrower were found in the loan file

Reviewer Comment (2021-02-10): Signed copies of the 2017 1040s for the coborrower were found in the loan file

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302460726

20079568

03/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $819.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-03-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302305769

19886602

02/11/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-03-01): Received fraud report.  All red flags addressed. Seller Comment (2021-02-26): Full Core Logic report

Reviewer Comment (2021-03-01): Received fraud report.  All red flags addressed.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331380

19699747

01/28/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-11): Provided Gap Letter xxxx Seller Comment (2021-02-08): LOX

Reviewer Comment (2021-02-11): Provided Gap Letter xxxx

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331380

19699762

01/28/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-11): Provided Gap Letter xxxx

Reviewer Comment (2021-02-11): Provided Gap Letter xxxx

Cleared

02/11/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302371063

19801911

02/06/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,140.80  is less than amount of binding Lender Credit previously disclosed in the amount of $-4,156.00. (9300)

Reviewer Comment (2021-03-03): Lender cured on the PCCD dated xxxx by refunding the borrower $15.20. Received proof of refund, LOE, corrected CD, and proof of delivery.

Reviewer Comment (2021-03-03): Lender cured on the PCCD dated xxxx by refunding the borrower $15.20. Received proof of refund, LOE, corrected CD, and proof of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302371934

19657137

01/25/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-03): Received PCCD issued xxxx reflecting an updated disbursement date of xxxx and a LOX. Seller Comment (2021-02-02): Attached

Reviewer Comment (2021-02-03): Received PCCD issued xxxx reflecting an updated disbursement date of xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302371934

19657444

01/25/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-02): Received PDI datedxxxx reflecting no damage. Seller Comment (2021-02-01): PDI

Reviewer Comment (2021-02-02): Received PDI datedxxxx reflecting no damage.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302371934

19657577

01/25/2021

Credit

Document Error

YTD P&L Statement was not signed and/oor dated  by Borrower.  (GSE COVID-19)

Borrower: xxxx // Employment Type: Employment / Income Type: S-Corp (>= 25%) / Start Date: xxxx // Document: P&L Statement / Document Date: xxxx / Tax Year: <empty>

Reviewer Comment (2021-02-11): Signed P&L provided by the lender. Seller Comment (2021-02-09): Attached

Reviewer Comment (2021-02-11): Signed P&L provided by the lender.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302371934

19670937

01/26/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Tax Verification

Reviewer Comment (2021-02-12): Hazard policy confirms that this REO is a manufactured home.  Taxes are part of other fees documented.  Acceptable. Buyer Comment (2021-02-12): Please note that this is in a trailer park so there are no property taxes.  Please escalate to get this condition cleared. Reviewer Comment (2021-02-11): The insurance verification was provided.  To clear the exception please provide verification of the property tax expense for this property. Seller Comment (2021-02-09): Attached

Reviewer Comment (2021-02-12): Hazard policy confirms that this REO is a manufactured home.  Taxes are part of other fees documented.  Acceptable. Reviewer Comment (2021-02-11): The insurance verification was provided.  To clear the exception please provide verification of the property tax expense for this property.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259739

19791743

02/05/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-18): Provided the VVOE within 5 days prior to the Note date. xxxx Seller Comment (2021-02-17): final VOE

Reviewer Comment (2021-02-18): Provided the VVOE within 5 days prior to the Note date. xxxx

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259739

19792370

02/05/2021

Credit

General

Missing Document: Verification of Non-US Citizen Status not provided

Reviewer Comment (2021-02-16): H1B Visa provided. Seller Comment (2021-02-15): attached

Reviewer Comment (2021-02-16): H1B Visa provided.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288795

19801240

02/06/2021

Compliance

Federal Compliance

Social Security Documentation

Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (xxxx/Social Security)

Reviewer Comment (2021-02-25): Provided 1099 SSA Reviewer Comment (2021-02-25): Award letter was not provided.  Received 1099's. Seller Comment (2021-02-23): income docs

Reviewer Comment (2021-02-25): Provided 1099 SSA Reviewer Comment (2021-02-25): Award letter was not provided.  Received 1099's.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288795

19801241

02/06/2021

Compliance

Federal Compliance

Social Security Documentation

Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (xxxx/Social Security)

Reviewer Comment (2021-02-25): Provided 1099 SSA Reviewer Comment (2021-02-25): Award letter was not provided.  Received 1099's. Seller Comment (2021-02-23): income docs

Reviewer Comment (2021-02-25): Provided 1099 SSA Reviewer Comment (2021-02-25): Award letter was not provided.  Received 1099's.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288795

19801242

02/06/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-25): Provided 1099 SSA for both borrowers Reviewer Comment (2021-02-25): Award letters was not provided.  Received 1099's. Seller Comment (2021-02-23): income docs

Reviewer Comment (2021-02-25): Provided 1099 SSA for both borrowers Reviewer Comment (2021-02-25): Award letters was not provided.  Received 1099's.

Cleared

02/25/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302269185

No Finding

Loan Completed Without Finding

Review Complete

02/11/2021

1

1

302303139

20056571

03/01/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $520.00 exceeds tolerance of $380.00 plus 10% or $418.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-03-01): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-01): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302403137

19619346

01/21/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $0.00 is less than Cash From Borrower $1,333.76.

Reviewer Comment (2021-02-11): 2 months bank statements provided. Seller Comment (2021-02-08): see attached.

Reviewer Comment (2021-02-11): 2 months bank statements provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302403137

19619352

01/21/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-01-28): Received PDI datedxxxx reflecting no damage. Seller Comment (2021-01-27): PDI

Reviewer Comment (2021-01-28): Received PDI datedxxxx reflecting no damage.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302403137

19619863

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $3,392.50 exceeds tolerance of $3,345.00.  Sufficient or excess cure was provided to the borrower at Closing. (7200)

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302325138

19806424

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 7,700.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-26): PCCD and LOE provided. Seller Comment (2021-02-23): Attached

Reviewer Comment (2021-02-26): PCCD and LOE provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302325138

19919104

02/16/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-26): Updated preliminary report provided. Seller Comment (2021-02-25): Attached

Reviewer Comment (2021-02-26): Updated preliminary report provided.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307763

19777836

02/03/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,428.94 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-15): Received PCCD issuedxxxx reflecting corrected property costs year 1 and a LOX. Seller Comment (2021-02-12): PCCD

Reviewer Comment (2021-02-15): Received PCCD issuedxxxx reflecting corrected property costs year 1 and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302307763

19777838

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302307763

19777839

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $694.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302286865

19807533

02/08/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $430.00 exceeds tolerance of $390.00 plus 10% or $429.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302307762

19897392

02/12/2021

Credit

Application / Processing

Missing Document: Flood Certificate not provided

Reviewer Comment (2021-03-01): Flood cert provided. Seller Comment (2021-02-26): Please see attached.

Reviewer Comment (2021-03-01): Flood cert provided.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302264886

No Finding

Loan Completed Without Finding

Review Complete

02/11/2021

1

1

302462924

19794519

02/05/2021

Credit

Application / Processing

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

Reviewer Comment (2021-02-11): Document provided Seller Comment (2021-02-11): Please see attached.

Reviewer Comment (2021-02-11): Document provided

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250043

19461501

01/07/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-01-11): Provided evidence of receipt Seller Comment (2021-01-08): Docusign receipt shows that it was disclosed to the bwrs on 12/11

Reviewer Comment (2021-01-11): Provided evidence of receipt

Cleared

01/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265655

19848965

02/09/2021

Property

Appraisal Documentation

Loan is to be securitized.   Drive by (exterior only) appraisal was provided in lieu of full appraisal.  (GSE COVID19)

Application Date:  xxxx; Closing Date:  xxxx

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302265655

20010088

02/24/2021

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Reviewer Comment (2021-03-04): Received copy of the post disaster inspection showing no damage.

Reviewer Comment (2021-03-04): Received copy of the post disaster inspection showing no damage.

Cleared

03/04/2021

N

3

1

A

A

A

A

A

302273035

19774862

02/03/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-17): Provided the Post Closing Disclosure with correct sign and disbursements dates.xxxx Seller Comment (2021-02-16): see attached

Reviewer Comment (2021-02-17): Provided the Post Closing Disclosure with correct sign and disbursements dates.xxxx

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302258404

19731587

02/01/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-10): Received Final title with sufficient coverage. Seller Comment (2021-02-04): updated policy

Reviewer Comment (2021-02-10): Received Final title with sufficient coverage.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302258404

19731598

02/01/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-02-10): Received Final title with sufficient coverage.

Reviewer Comment (2021-02-10): Received Final title with sufficient coverage.

Cleared

02/10/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302265900

19696147

01/28/2021

Credit

Guideline Issue

Aged document: Asset Account date is more than 90 days prior to Closing.

Financial Institution: Thrift Savings Plan // Account Type: Mutual Funds / Account Number: xxxx

Reviewer Comment (2021-02-12): Provided updated Statements. xxxx Seller Comment (2021-02-10): see attached.

Reviewer Comment (2021-02-12): Provided updated Statements. xxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302264591

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302302565

19693195

01/28/2021

Compliance

Federal Compliance

Social Security Documentation

Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (xxxx/Social Security)

Reviewer Comment (2021-02-11): Award letter provided. Seller Comment (2021-02-08): ssa award letter

Reviewer Comment (2021-02-11): Award letter provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302302565

19693780

01/28/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-11): Award letter provided. Seller Comment (2021-02-08): ssa award letter

Reviewer Comment (2021-02-11): Award letter provided.

Cleared

02/11/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302302565

19693781

01/28/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7564)

Reviewer Comment (2021-02-05): Same provider. Seller Comment (2021-02-03): Title endorsement fee was amongst services client shopped for, please see original service provider list

Reviewer Comment (2021-02-05): Same provider.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302302565

19707024

01/29/2021

Credit

Income Documentation

REO Documents are missing.

Reviewer Comment (2021-02-11): REO insurance verification provided. Seller Comment (2021-02-08): HOI primary Reviewer Comment (2021-02-05): Received HOI for subject.  Missing HOI for primary. Seller Comment (2021-02-03): xxxx HOI

Reviewer Comment (2021-02-11): REO insurance verification provided. Reviewer Comment (2021-02-05): Received HOI for subject.  Missing HOI for primary.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250503

19623324

01/21/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xxxx)

Reviewer Comment (2021-01-29): xxxx received initial LE, exception is cleared. Seller Comment (2021-01-26): Initial Disclosures to clear.

Reviewer Comment (2021-01-29): xxxx received initial LE, exception is cleared.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250503

19623344

01/21/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-6,955.20  is less than amount of binding Lender Credit previously disclosed in the amount of $-7,002.00. (9300)

Reviewer Comment (2021-02-21): Cured on Final CD. Buyer Comment (2021-02-16): Decreased occured at closing, please confirm how you would prefer we fix this. Add an additional tolerance of the $46.80 even after we cured it on the Final Cd? Reviewer Comment (2021-02-16): A valid COC was not provided reflecting the loan amount decrease with a corresponding decrease in the lender credit. Buyer Comment (2021-02-12): Loan Amount decreased at closing, which offsets the lender credit decreasing at closing since a loan amount decrease is a valid change in circumstance that can allow for a decrease in lender credit. There also is no need for a COC because this change was made at consummation. Reviewer Comment (2021-02-05): Tolerance cures are listed in section J.  The tolerance is then subtracted from the listed lender credit.  The lender credit did not  increase to cover the tolerance cure.  PCCD, and LOE required to cure this exception. Buyer Comment (2021-02-01): That cure being referenced is for the Lender credit to cover the drop in Lender credit. Please waive. Reviewer Comment (2021-01-29): Final CD also shows a cure of $46.80.  The cure is subtracted from any lender credit.  Actual Lender Credit showed on final CD is $6995.20. Cure, or VCC showing drop in Lender Credit is required. Seller Comment (2021-01-26): Final CD shows 7002 lender credit. condition is invalid.

Reviewer Comment (2021-02-21): Cured on Final CD. Reviewer Comment (2021-02-16): A valid COC was not provided reflecting the loan amount decrease with a corresponding decrease in the lender credit. Reviewer Comment (2021-02-05): Tolerance cures are listed in section J.  The tolerance is then subtracted from the listed lender credit.  The lender credit did not  increase to cover the tolerance cure.  PCCD, and LOE required to cure this exception. Reviewer Comment (2021-01-29): Final CD also shows a cure of $46.80.  The cure is subtracted from any lender credit.  Actual Lender Credit showed on final CD is $6995.20. Cure, or VCC showing drop in Lender Credit is required.

Cleared

02/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250503

19706187

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $48.95 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7571)

Reviewer Comment (2021-02-21): Received a valid COC.

Reviewer Comment (2021-02-21): Received a valid COC.

Cleared

02/21/2021

N

3

1

A

A

A

A

A

302286931

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302259736

19805176

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,390.50 exceeds tolerance of $675.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302290229

19730963

02/01/2021

Compliance

Federal Compliance

Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone

Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302290229

19730968

02/01/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 2,365.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflecting corrected non escrowed property costs year 1 and a LOX. Seller Comment (2021-02-16): PCCD + LOX Reviewer Comment (2021-02-12): The non-escrowed annual costs on page 4 or the final CD do not match the loan file.  Annual costs per loan file are as follows: $Hazard - $1698, Flood - $705 for a total of $2403.  Provide PCCD that reflects the preceding amounts, or documentation of alternative amounts. Buyer Comment (2021-02-08): 2 units in this property. Please verify that due to there being 2 units that the HOA amount should be 200.29 which is half of the 400.58 quoted.

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflecting corrected non escrowed property costs year 1 and a LOX. Reviewer Comment (2021-02-12): The non-escrowed annual costs on page 4 or the final CD do not match the loan file.  Annual costs per loan file are as follows: $Hazard - $1698, Flood - $705 for a total of $2403.  Provide PCCD that reflects the preceding amounts, or documentation of alternative amounts.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302274646

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302264869

19747748

02/02/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-25): Received the tax transcripts.

Reviewer Comment (2021-02-25): Received the tax transcripts.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302260909

19692365

01/28/2021

Credit

Document Error

Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.

Borrower: xxxx, Borrower: xxxx

Reviewer Comment (2021-02-05): Received permanent resident cards for both borrowers. Seller Comment (2021-02-03): attached

Reviewer Comment (2021-02-05): Received permanent resident cards for both borrowers.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302264574

19835892

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $34.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7571)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302264574

19835917

02/08/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-17): Verbal VOEs for both borrowers provided within acceptable time frame. Seller Comment (2021-02-16): VOEs to clear.

Reviewer Comment (2021-02-17): Verbal VOEs for both borrowers provided within acceptable time frame.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302281166

19768771

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $375.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302272979

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302370917

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302272965

No Finding

Loan Completed Without Finding

Review Complete

xxxx  12:08:35 PM

1

1

302410507

19797938

02/05/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,343.00 exceeds tolerance of $1,181.00 plus 10% or $1,299.10.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302410507

19798125

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $950.00 exceeds tolerance of $720.00.  Sufficient or excess cure was provided to the borrower at Closing. (7567)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302410507

19806906

02/08/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-23):xxxx:  Received the signed/dated 2017 Tax Returns.   Exception has been cleared. Seller Comment (2021-02-22): 2017 returns attached. Please review and clear all associated conditions.

Reviewer Comment (2021-02-23):xxxx:  Received the signed/dated 2017 Tax Returns.   Exception has been cleared.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410507

19806907

02/08/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-23):xxxx:  Received the signed/dated 2017 tax returns.   Exception has been cleared.

Reviewer Comment (2021-02-23):xxxx:  Received the signed/dated 2017 tax returns.   Exception has been cleared.

Cleared

02/23/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302265854

19699079

01/28/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018)

Reviewer Comment (2021-02-05): Provided 2018 W2 Seller Comment (2021-02-03): 2018 W2

Reviewer Comment (2021-02-05): Provided 2018 W2

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273093

19804787

02/08/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-22): Client acknowledged post close VOE reflecting the borrower is currently employed and 816 credit score. Seller Comment (2021-02-22): VOE for Dept of Veterans

Reviewer Comment (2021-02-22): Client acknowledged post close VOE reflecting the borrower is currently employed and 816 credit score.

The representative FICO score is above 680. The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is less than or equal to 35%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302273093

19845229

02/09/2021

Credit

Credit Eligibility

There are red flags on the fraud report that have not been addressed

Credit Report: Original // Borrower: xxxxx

Reviewer Comment (2021-03-02): Received evidence property was sold. Seller Comment (2021-03-01): Borrower is not associated with property. Last sold 2016 and neither seller nor buyer is the borrower

Reviewer Comment (2021-03-02): Received evidence property was sold.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265884

19679876

01/27/2021

Credit

Application / Processing

Missing Document: Approval not provided

Reviewer Comment (2021-02-05): Received 1008/approval. Seller Comment (2021-02-03): Please see attached.

Reviewer Comment (2021-02-05): Received 1008/approval.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265884

19679891

01/27/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-05): Received RCE.  Coverage is sufficient. Seller Comment (2021-02-03): Please see attached.

Reviewer Comment (2021-02-05): Received RCE.  Coverage is sufficient.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265884

19680433

01/27/2021

Compliance

Federal Compliance

Notice of Special Flood Hazard Disclosure Not Provided Timely

FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302265884

19680440

01/27/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-17): K1 documents that non-borrowing spouse is owner of this entity.  Income is positive and not used to qualify.

Reviewer Comment (2021-02-17): K1 documents that non-borrowing spouse is owner of this entity.  Income is positive and not used to qualify.

Cleared

02/17/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302265884

19680441

01/27/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-03-02): Received P&L and balance sheet. Seller Comment (2021-03-01): Please see attached. Reviewer Comment (2021-02-17): Borrower is 50% owner of xxxx.  P&L and balance sheet required. Seller Comment (2021-02-16): Please see attached.

Reviewer Comment (2021-03-02): Received P&L and balance sheet. Reviewer Comment (2021-02-17): Borrower is 50% owner of xxxx.  P&L and balance sheet required.

Cleared

03/02/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302265884

19680919

01/27/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302265884

19689021

01/27/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-03-02): Received P&L and balance sheet. Seller Comment (2021-03-01): Please see attached. Reviewer Comment (2021-02-17): Borrower is 50% owner of xxxx.  P&L and balance sheet required. Seller Comment (2021-02-16): Please see attached.

Reviewer Comment (2021-03-02): Received P&L and balance sheet. Reviewer Comment (2021-02-17): Borrower is 50% owner of xxxx.  P&L and balance sheet required.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265884

19689022

01/27/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-17): K1 documents that non-borrowing spouse is owner of this entity.  Income is positive and not used to qualify. Seller Comment (2021-02-16): Please see attached.

Reviewer Comment (2021-02-17): K1 documents that non-borrowing spouse is owner of this entity.  Income is positive and not used to qualify.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265884

19689023

01/27/2021

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Partnership Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing:  Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (xxxx/Partnership)

Reviewer Comment (2021-02-17): K1 documents that non-borrowing spouse is owner of this entity.  Income is positive and not used to qualify. Seller Comment (2021-02-16): Please see attached.

Reviewer Comment (2021-02-17): K1 documents that non-borrowing spouse is owner of this entity.  Income is positive and not used to qualify.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392765

19768881

02/03/2021

Credit

Closing / Title

Missing Lien(s) negatively impacting title

Reviewer Comment (2021-02-11): Payoff on final CD. Seller Comment (2021-02-09): payoff reflected on seller CD/settlement statment

Reviewer Comment (2021-02-11): Payoff on final CD.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302268734

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302267488

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302269204

19696891

01/28/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-02-08): xxxx received documentation, exception is cleared. Seller Comment (2021-02-03): See attached lox from the closing manager.

Reviewer Comment (2021-02-08): xxxx received documentation, exception is cleared.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269204

19714408

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $625.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302270820

19702149

01/29/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-12): Meets 5 business days and there is a post close verification to support.  Acceptable. Buyer Comment (2021-02-11): we provided the VOE.  Please waive. Reviewer Comment (2021-02-10): Work Number Verification dated 2/5/21 was completed post closing Still need VOE within 5 business days of the Note date or the condition will remain open. Seller Comment (2021-02-09): voe Buyer Comment (2021-02-04): please grant an exception allowing VOE to be dated 6 days prior to close vs 5.  If we verify employment not the voe will be dated after close.

Reviewer Comment (2021-02-12): Meets 5 business days and there is a post close verification to support.  Acceptable. Reviewer Comment (2021-02-10): Work Number Verification dated 2/5/21 was completed post closing Still need VOE within 5 business days of the Note date or the condition will remain open.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316443

19786657

02/04/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx

Reviewer Comment (2021-02-13): Source of funds provided for the new account. Seller Comment (2021-02-12): Source of funds.

Reviewer Comment (2021-02-13): Source of funds provided for the new account.

Cleared

02/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302263952

19794770

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $694.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302263952

19794771

02/05/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-19): Received Final CD. Seller Comment (2021-02-18): signed final CD Reviewer Comment (2021-02-16): Final CD with wet signature is not dated.  Final CD with electronic signature is datedxxxxhich is the date rescission period is currently being based off of, resulting in borrower having until midnight on the xxxx and RTC indicates midnight on the xxxx. Buyer Comment (2021-02-15): Transaction date isxxxx and the cancel by date is midnight ofxxxx which is 3 business days. Please clear this condition.

Reviewer Comment (2021-02-19): Received Final CD. Reviewer Comment (2021-02-16): Final CD with wet signature is not dated.  Final CD with electronic signature is datedxxxxhich is the date rescission period is currently being based off of, resulting in borrower having until midnight on the xxxx and RTC indicates midnight on the xxxx.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302263952

19794773

02/05/2021

Compliance

Federal Compliance

TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date

Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Reviewer Comment (2021-02-28): Revised RTC executed by borrower provided. Seller Comment (2021-02-25): Correct RTC Reviewer Comment (2021-02-23): The transaction date is based on the date the borrower executed the final CD, which isxxxx Borrower was not given a 3 day right to rescind. Buyer Comment (2021-02-21): The ROR was signed on xxxx and the and the cancel by date was xxxx. The borrower was given 3 days to cancel. Please clear this condition. Reviewer Comment (2021-02-19): Received PCCD issuedxxxx reflecting a signature date ofxxxx.  Transaction date isxxxx (final CD signature date), ROR expiration date isxxxx.  Borrower wasn't given a 3 day rescission period. Seller Comment (2021-02-18): signed CD Reviewer Comment (2021-02-16): Final CD with wet signature is not dated.  Final CD with electronic signature is datedxxxxhich is the date rescission period is currently being based off of, resulting in borrower having until midnight on the xxxx and RTC indicates midnight on the xxxx. Buyer Comment (2021-02-15): Transaction date isxxxx and the cancel by date is midnight ofxxxx which is 3 business days. Please clear this condition.

Reviewer Comment (2021-02-28): Revised RTC executed by borrower provided. Reviewer Comment (2021-02-23): The transaction date is based on the date the borrower executed the final CD, which isxxxx Borrower was not given a 3 day right to rescind. Reviewer Comment (2021-02-19): Received PCCD issuedxxxx reflecting a signature date ofxxxx.  Transaction date isxxxx (final CD signature date), ROR expiration date isxxxx.  Borrower wasn't given a 3 day rescission period. Reviewer Comment (2021-02-16): Final CD with wet signature is not dated.  Final CD with electronic signature is datedxxxxhich is the date rescission period is currently being based off of, resulting in borrower having until midnight on the xxxx and RTC indicates midnight on the xxxx.

Cleared

02/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302263952

19794817

02/05/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-16): Received updated preliminary title with correct loan amount. Seller Comment (2021-02-16): Title

Reviewer Comment (2021-02-16): Received updated preliminary title with correct loan amount.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269554

19697422

01/28/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-06): Provided HOI policy Seller Comment (2021-02-04): Please see attached.

Reviewer Comment (2021-02-06): Provided HOI policy

Cleared

02/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269554

19716096

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $844.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302285439

19795123

02/05/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-19): PCCD and LOE provided to revise disbursement date. Seller Comment (2021-02-18): PCCD

Reviewer Comment (2021-02-19): PCCD and LOE provided to revise disbursement date.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302285439

19795149

02/05/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $425.00 exceeds tolerance of $379.00 plus 10% or $416.90.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-03-02): Lender cured on the PCCD dated 02.11.2021 by disclosed the actual recording fee of $94 as documented on the final settlement statement. Seller Comment (2021-02-24): PCCD

Reviewer Comment (2021-03-02): Lender cured on the PCCD dated 02.11.2021 by disclosed the actual recording fee of $94 as documented on the final settlement statement.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302271700

19849911

02/09/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Individual Retirement Account (IRA) / Account Number: IRA

Reviewer Comment (2021-02-12): This account was not included in the qualifying balance. Buyer Comment (2021-02-10): xxxx account was not used to qualify the loan/qualified assets. Please waive.

Reviewer Comment (2021-02-12): This account was not included in the qualifying balance.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302301628

19773439

02/03/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $493.00 exceeds tolerance of $440.00 plus 10% or $484.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-25): xxxx received PCCD indicating cure, LOE, and refund check. Seller Comment (2021-02-19): PCCD/LOX/Label/check image

Reviewer Comment (2021-02-25): xxxx received PCCD indicating cure, LOE, and refund check.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302301628

19786718

02/04/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-12): Received closing statement from sale. Seller Comment (2021-02-11): Seller CD from Sale of xxxx

Reviewer Comment (2021-02-12): Received closing statement from sale.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302301628

20026880

02/25/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $493.00 exceeds tolerance of $440.00 plus 10% or $484.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (0)

Reviewer Comment (2021-02-25): xxxx received PCCD indicating cure, LOE, and refund check.

Reviewer Comment (2021-02-25): xxxx received PCCD indicating cure, LOE, and refund check.

Cured

N

3

2

B

B

B

B

B

302274645

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302271784

19662792

01/25/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-01-29): Received RCE.  Coverage is sufficient. Seller Comment (2021-01-26): Insurance and RCE

Reviewer Comment (2021-01-29): Received RCE.  Coverage is sufficient.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271784

19663021

01/25/2021

Compliance

Federal Compliance

Social Security Documentation

Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (xxxx/Social Security)

Reviewer Comment (2021-02-12): xxxx Received social security income documents for the Co-Borrower. Seller Comment (2021-02-10): Award Letter, to clear both outstanding conditions. Reviewer Comment (2021-02-08): Award letter was not provided which is required. Seller Comment (2021-02-05): Attached statement shows SSA deposit in the name of xxxx, and with the 2 years of 1099s I believe this is sufficient in lieu of the award letter as this provides all of the same information. Reviewer Comment (2021-02-03): Received award letter for xxxx.  Missing award letter for xxxx. Seller Comment (2021-02-01): award letter page 1 was in upload. Reviewer Comment (2021-01-29): Award letter not provided.  Received SSA-1099. Seller Comment (2021-01-26): SSA

Reviewer Comment (2021-02-12): xxxx Received social security income documents for the Co-Borrower. Reviewer Comment (2021-02-08): Award letter was not provided which is required. Reviewer Comment (2021-02-03): Received award letter for xxxx.  Missing award letter for xxxx. Reviewer Comment (2021-01-29): Award letter not provided.  Received SSA-1099.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271784

19663022

01/25/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-01-29): Received P&L and balance sheet. Seller Comment (2021-01-26): P&L and Balance Sheet

Reviewer Comment (2021-01-29): Received P&L and balance sheet.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271784

19663024

01/25/2021

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Schedule C Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxx/Schedule C)

Reviewer Comment (2021-01-29): Received P&L and balance sheet. Buyer Comment (2021-01-26): please confirm what is needed to clear this condition.

Reviewer Comment (2021-01-29): Received P&L and balance sheet.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271784

19663028

01/25/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-29): Received P&L and balance sheet.

Reviewer Comment (2021-01-29): Received P&L and balance sheet.

Cleared

01/29/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302271784

19663029

01/25/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-12): xxxx Received social security income documents for the Co-Borrower. Reviewer Comment (2021-01-29): Received P&L and balance sheet.  Missing award letter for xxxx xxxx. Buyer Comment (2021-01-26): Please confirm what is needed to clear on this one.

Reviewer Comment (2021-02-12): xxxx Received social security income documents for the Co-Borrower. Reviewer Comment (2021-01-29): Received P&L and balance sheet.  Missing award letter for xxxx xxxx.

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302274529

19793913

02/05/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xxxx)

Reviewer Comment (2021-02-18): xxxx received initial LE, exception cleared. Seller Comment (2021-02-15): econsent

Reviewer Comment (2021-02-18): xxxx received initial LE, exception cleared.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274529

19793915

02/05/2021

Compliance

Federal Compliance

TRID Settlement Service Provider Status

TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.

Reviewer Comment (2021-03-04): xxxx received SSPL.

Reviewer Comment (2021-03-04): xxxx received SSPL.

Cleared

03/04/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302274529

19793916

02/05/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,369.00 exceeds tolerance of $1,594.00 plus 10% or $1,753.40.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-03-04): xxxx received SSPL. Seller Comment (2021-02-25): sorry about that, SSPL attached Reviewer Comment (2021-02-25): xxxx received PCCD however the SSPL is needed to determine if borrower shopped. Please provide SSPL for review. The ABA was also provided however is not a SSPL. Seller Comment (2021-02-19): PCCD w lox showing borrower shopped Reviewer Comment (2021-02-18): No SSPL located in loan file.  Unable to determine if borrower shopped per SSPL.  Please provide SSPL to complete testing. Seller Comment (2021-02-15): 11/5 LE

Reviewer Comment (2021-03-04): xxxx received SSPL. Reviewer Comment (2021-02-25): xxxx received PCCD however the SSPL is needed to determine if borrower shopped. Please provide SSPL for review. The ABA was also provided however is not a SSPL. Reviewer Comment (2021-02-18): No SSPL located in loan file.  Unable to determine if borrower shopped per SSPL.  Please provide SSPL to complete testing.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274529

19793919

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee.  Fee Amount of $90.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77185)

Reviewer Comment (2021-03-04): xxxx received SSPL.

Reviewer Comment (2021-03-04): xxxx received SSPL.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273031

19810017

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,000.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302335484

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302272976

No Finding

Loan Completed Without Finding

Review Complete

02/11/2021

1

1

302276573

19713567

01/29/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $520.00 exceeds tolerance of $310.00 plus 10% or $341.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-03-02): Lender cured on the PCCD dated xxxx by refunding the borrower $179.00. Received proof of refund, LOE, corrected CD, and proof of delivery.

Reviewer Comment (2021-03-02): Lender cured on the PCCD dated xxxx by refunding the borrower $179.00. Received proof of refund, LOE, corrected CD, and proof of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302273134

19702449

01/29/2021

Credit

Document Error

Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.

Borrower: xxxx

Reviewer Comment (2021-02-10): Rec'd green card. Seller Comment (2021-02-04): Attached

Reviewer Comment (2021-02-10): Rec'd green card.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273134

19702749

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of $525.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7561)

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflecting a tolerance cure, LOX, copy of refund check and evidence of delivery. Seller Comment (2021-02-17): Attached

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflecting a tolerance cure, LOX, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302273134

19714340

01/29/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-02-10): Rec'd VVOE within 10 days of closing. Seller Comment (2021-02-04): Attached

Reviewer Comment (2021-02-10): Rec'd VVOE within 10 days of closing.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273134

19714345

01/29/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification

Reviewer Comment (2021-02-21): Received evidence of property being a single family residence with no HOA fees. Seller Comment (2021-02-19): Please note this is a single family residence so no HOA. See attached Reviewer Comment (2021-02-10): Need borrower's attestation that the property does not have an HOA, or evidence of HOA dues. Seller Comment (2021-02-09): Please see amounts on mortgage and how much is listed on the 1003, there is no HOA. Amounts match as $xxxx

Reviewer Comment (2021-02-21): Received evidence of property being a single family residence with no HOA fees. Reviewer Comment (2021-02-10): Need borrower's attestation that the property does not have an HOA, or evidence of HOA dues.

Cleared

02/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273134

19720897

01/29/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,556.50 exceeds tolerance of $4,079.00 plus 10% or $4,486.90.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflecting a tolerance cure, LOX, copy of refund check and evidence of delivery. Seller Comment (2021-02-17): Attached

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflecting a tolerance cure, LOX, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302273133

No Finding

Loan Completed Without Finding

Review Complete

02/24/2021

1

1

302273090

19772318

02/03/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-13): Capital gains was not used which reflected positive. Buyer Comment (2021-02-12): If capital gains appear in either two years but no loss appears in either and the income is not being used to qualify is the 3rd year required. Per xxxx guidelines the 3 year income is under the income type section, which typically breakout what is needed to use the income to qualify.  If the most recent two years are positive and income is not being used to qualify then the 3rd year tax return is not required” Please clear.

Reviewer Comment (2021-02-13): Capital gains was not used which reflected positive.

Cleared

02/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273090

19772319

02/03/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-13): Capital gains was not used which reflected positive. Buyer Comment (2021-02-12): Capital Gain/Loss requirement, If capital gains appear in either two years but no loss appears in either and the income is not being used to qualify is the 3rd year required. Per xxxx guidelines the 3 year income is under the income type section, which typically breakout what is needed to use the income to qualify.  If the most recent two years are positive and income is not being used to qualify then the 3rd year tax return is not required”

Reviewer Comment (2021-02-13): Capital gains was not used which reflected positive.

Cleared

02/13/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302273090

19772320

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75104)

Reviewer Comment (2021-03-02): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Seller Comment (2021-02-23): Attached

Reviewer Comment (2021-03-02): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273090

20079720

03/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (75104)

Reviewer Comment (2021-03-02): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Reviewer Comment (2021-03-02): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cured

N

3

2

B

B

B

B

B

302276572

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302277043

19791293

02/05/2021

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-12): Received VOE from prior employer. Seller Comment (2021-02-11): VOE

Reviewer Comment (2021-02-12): Received VOE from prior employer.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277043

19791611

02/05/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-12): Received VOE from prior employer. Seller Comment (2021-02-11): VOE

Reviewer Comment (2021-02-12): Received VOE from prior employer.

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302277043

19865471

02/09/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-12): Received VOE from prior employer. Seller Comment (2021-02-11): VOE

Reviewer Comment (2021-02-12): Received VOE from prior employer.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274642

19682886

01/27/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-02): Received fraud report.  All red flags addressed. Seller Comment (2021-02-01): fraud report attached

Reviewer Comment (2021-02-02): Received fraud report.  All red flags addressed.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274642

19682982

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-02-10): Providde the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check for $150, and Corrected CD Seller Comment (2021-02-05): appr fee removed, please clear Reviewer Comment (2021-02-05): PCCD does not reflect the $150 cure Seller Comment (2021-02-03): check cpy Reviewer Comment (2021-02-02): Received PCCD issued 2/1/2021 but it does not reflect a tolerance cure for $150.  Also received a LOE and evidence of delivery.  Missing copy of refund check. Seller Comment (2021-02-01): PCCD, lox, label to borrower, check will be provided once issued

Reviewer Comment (2021-02-10): Providde the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check for $150, and Corrected CD Reviewer Comment (2021-02-05): PCCD does not reflect the $150 cure Reviewer Comment (2021-02-02): Received PCCD issued 2/1/2021 but it does not reflect a tolerance cure for $150.  Also received a LOE and evidence of delivery.  Missing copy of refund check.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302278486

19682592

01/27/2021

Compliance

Closing / Title

Missing Document: Note - Subject Lien not provided

Reviewer Comment (2021-02-11): A legible copy of the note was provided. Seller Comment (2021-02-09): legible note

Reviewer Comment (2021-02-11): A legible copy of the note was provided.

Cleared

02/11/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302278486

19686414

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-01-27): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-27): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302305750

19689092

01/27/2021

Credit

General

Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.

Reviewer Comment (2021-02-09): Provided Taxpayer consent Seller Comment (2021-02-05): Both uploads show consent document signed on page 12 (last page). Please waive as this was included in the package sent for review.

Reviewer Comment (2021-02-09): Provided Taxpayer consent

Cleared

02/09/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302286946

19806182

02/08/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-19): Provided Letter of Explanation to borrower, & PCCD correcting disbursement date Seller Comment (2021-02-18): PCCD

Reviewer Comment (2021-02-19): Provided Letter of Explanation to borrower, & PCCD correcting disbursement date

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302356463

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302329297

19806187

02/08/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-25): xxxx received e-sign approval date, exception cleared. Seller Comment (2021-02-19): econsent

Reviewer Comment (2021-02-25): xxxx received e-sign approval date, exception cleared.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408165

19817847

02/08/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-02-19): xxxx: Received vvoe dated xxxx. Seller Comment (2021-02-18): attached

Reviewer Comment (2021-02-19): xxxx: Received vvoe dated xxxx.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288793

19902586

02/13/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-03-04): Received PCCD issuedxxxx reflecting an updated disbursement date of xxxx and a LOX. Seller Comment (2021-03-03): attached

Reviewer Comment (2021-03-04): Received PCCD issuedxxxx reflecting an updated disbursement date of xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302323339

19701532

01/29/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $21,137.43 is less than Cash From Borrower $214,287.33.

Reviewer Comment (2021-02-16): Provided Closing statement and deposit receipt for sale of departing residence Seller Comment (2021-02-15): They signed and closed on the sale onxxxxxxxx). The closing of our purchase (xxxx) happened onxxxxSee attached documents from the escrow company. The escrow company closed and went on record on xxxx for the purchase of xxxx. The same escrow company was handling both transactions. As soon as the money from the buyers of xxxx hit the escrow company’s account, they were able to closing 506 Pierside. Reviewer Comment (2021-02-11): Client provided evidence borrower sold property at xxxx with $xxxx in proceeds (per closing statement and check) in order to document additional assets for closing. The date of the final settlement statement/sale wasxxxx9 days after the note date therefore cannot be considered to cover the amount of funds short to close - exception remains open, please provide additional assets that were available at the time of close Seller Comment (2021-02-08): please see final settlement statement Reviewer Comment (2021-02-05): Received deposits, missing corresponding Closing disclosure or statement Seller Comment (2021-02-03): Please see attached.

Reviewer Comment (2021-02-16): Provided Closing statement and deposit receipt for sale of departing residence Reviewer Comment (2021-02-11): Client provided evidence borrower sold property at xxxx with $xxxx in proceeds (per closing statement and check) in order to document additional assets for closing. The date of the final settlement statement/sale wasxxxx9 days after the note date therefore cannot be considered to cover the amount of funds short to close - exception remains open, please provide additional assets that were available at the time of close Reviewer Comment (2021-02-05): Received deposits, missing corresponding Closing disclosure or statement

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323339

19701539

01/29/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-03-02): Access to funds in the xxxx was provided and input. Seller Comment (2021-03-01): see attached. Reviewer Comment (2021-02-26): Received the settlement statement for the sale of the borrower's departure residence. Verified reserves after closing of 2.71 months are insufficient to cover the required 6 months of reserves. Earnest Money Deposit of $5,000.00 was paid to the title company on xxxx, after the last xxxx statement dated xxxx. In addition, received a xxxx quarterly bank statement that's in the name of the non-borrowing spouse only. This account cannot be used without proof the borrower has full access to the funds. Seller Comment (2021-02-25): see attached. Reviewer Comment (2021-02-16): Short reserves after receipt of Closing statement from prior residence Seller Comment (2021-02-15): They signed and closed on the sale onxxxxxxxx). The closing of our purchase (xxxx) happened onxxxxSee attached documents from the escrow company. The escrow company closed and went on record on 1/13 for the purchase of xxxx. The same escrow company was handling both transactions. As soon as the money from the buyers of xxxx hit the escrow company’s account, they were able to closing 506 Pierside. Reviewer Comment (2021-02-11): Client provided evidence borrower sold property at xxxx with $xxxx in proceeds (per closing statement and check) in order to document additional assets for closing. The date of the final settlement statement/sale wasxxxx9 days after the note date therefore cannot be considered to cover the amount of funds short to close - exception remains open, please provide additional assets that were available at the time of close Seller Comment (2021-02-08): please see final settlement statement Reviewer Comment (2021-02-05): Received deposits, missing corresponding Closing disclosure or statement Seller Comment (2021-02-03): see attached.

Reviewer Comment (2021-03-02): Access to funds in the xxxx was provided and input. Reviewer Comment (2021-02-26): Received the settlement statement for the sale of the borrower's departure residence. Verified reserves after closing of 2.71 months are insufficient to cover the required 6 months of reserves. Earnest Money Deposit of $5,000.00 was paid to the title company on xxxx, after the last xxxx statement dated xxxx. In addition, received a xxxx quarterly bank statement that's in the name of the non-borrowing spouse only. This account cannot be used without proof the borrower has full access to the funds. Reviewer Comment (2021-02-16): Short reserves after receipt of Closing statement from prior residence Reviewer Comment (2021-02-11): Client provided evidence borrower sold property at xxxx with $xxxx in proceeds (per closing statement and check) in order to document additional assets for closing. The date of the final settlement statement/sale wasxxxx9 days after the note date therefore cannot be considered to cover the amount of funds short to close - exception remains open, please provide additional assets that were available at the time of close Reviewer Comment (2021-02-05): Received deposits, missing corresponding Closing disclosure or statement

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302285434

19747052

02/02/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-11): VOE meets guideline requirement. Buyer Comment (2021-02-09): xxxx to xxxx closed date is 5 days.  please waive

Reviewer Comment (2021-02-11): VOE meets guideline requirement.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302285434

19747405

02/02/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $641,458.20 is less than Cash From Borrower $787,134.88.

Reviewer Comment (2021-02-11): Verified assets meet cash to close and reserve requirements. Seller Comment (2021-02-09): please see attached UW summary/Asset section to determine how assets were calculated. total verified is xxxx. Gift funs and checking account.

Reviewer Comment (2021-02-11): Verified assets meet cash to close and reserve requirements.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286926

19684993

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7563)

Reviewer Comment (2021-02-08): xxxx received cure Seller Comment (2021-02-05): PCCD, lox, label for check, check Seller Comment (2021-02-03): docs for cure, will provide check copy ASAP

Reviewer Comment (2021-02-08): xxxx received cure

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286926

19822172

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7563)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302330593

19871240

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302286859

19797509

02/05/2021

Credit

General

Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.

Reviewer Comment (2021-03-01): Received consent form. Seller Comment (2021-02-25): consent Reviewer Comment (2021-02-24): No documentation provided Seller Comment (2021-02-23): xxxx taxpayer consent

Reviewer Comment (2021-03-01): Received consent form. Reviewer Comment (2021-02-24): No documentation provided

Cleared

03/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302286859

19797573

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,005.00 exceeds tolerance of $695.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302286859

19847487

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $520.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302289125

19704621

01/29/2021

Credit

Closing / Title

Note Error: First payment date is before the note date.

Reviewer Comment (2021-02-13): Received corrected note. Seller Comment (2021-02-12): will be sending the wet note in ASAP

Reviewer Comment (2021-02-13): Received corrected note.

Cleared

02/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289125

19705065

01/29/2021

Compliance

Federal Compliance

Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Reviewer Comment (2021-02-16): Lender cured on xxxx by reopening rescission on the correct form. Received copy of the LOE, corrected ROR, and proof of delivery.

Reviewer Comment (2021-02-16): Lender cured on xxxx by reopening rescission on the correct form. Received copy of the LOE, corrected ROR, and proof of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302289125

19705307

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $25.00 exceeds tolerance of $20.00.  Insufficient or no cure was provided to the borrower. (77190)

Reviewer Comment (2021-02-11): xxxx received LOE, corrected CD, copy of refund check, and proof of mailing. Seller Comment (2021-02-10): PCCD, lox, label, check copy for both cures

Reviewer Comment (2021-02-11): xxxx received LOE, corrected CD, copy of refund check, and proof of mailing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302289125

19705308

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7723)

Reviewer Comment (2021-02-11): xxxx received LOE, corrected CD, copy of refund check, and proof of mailing.

Reviewer Comment (2021-02-11): xxxx received LOE, corrected CD, copy of refund check, and proof of mailing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302325077

19796350

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $575.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302325077

19796351

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302286856

19722562

01/29/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-17): Provided VVOE for prior employer before closing Seller Comment (2021-02-16): voe

Reviewer Comment (2021-02-17): Provided VVOE for prior employer before closing

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286856

19722563

01/29/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-17): Provided VVOE for prior employer before closing Seller Comment (2021-02-16): voe

Reviewer Comment (2021-02-17): Provided VVOE for prior employer before closing

Cleared

02/17/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302286921

20076444

03/02/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302304057

19890235

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302305747

19799559

02/05/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-12): Three years tax returns provided.  Nothing additional required. Buyer Comment (2021-02-12): Can you please clarify what year you are missing? I show 1040s for 2017, 2018, and 2019 in the file.

Reviewer Comment (2021-02-12): Three years tax returns provided.  Nothing additional required.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305747

19799560

02/05/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-12): Three years tax returns provided.  Nothing additional required. Buyer Comment (2021-02-12): Can you please clarify what year you are missing? I show 1040s for 2017, 2018, and 2019 in the file.

Reviewer Comment (2021-02-12): Three years tax returns provided.  Nothing additional required.

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302406279

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302403848

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302303247

19800155

02/06/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-12): Business only considered to include the loss in the DTI. Buyer Comment (2021-02-11): We aren’t using any income for her and are just hitting her with the loss

Reviewer Comment (2021-02-12): Business only considered to include the loss in the DTI.

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302303247

19800164

02/06/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx, Address: xxxx HOA Verification HOA Verification, Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-02-16): Client provided an explanation for xxxx. This property was not purchased until after the closing of the subject, but the lender wanted to consider the additional debt for approval. Fraud report in file confirms the property was not yet owned by the borrower; HOA/Ins/Tax info not yet available and was included in debt as a worst case. Cleared exception based on explanation; xxxx property already fully documented per comments Buyer Comment (2021-02-14): Please ensure this condition is cleared. This appears to be a duplicate condition that has already been addressed. Reviewer Comment (2021-02-12): Received HOA docs for xxxx.  Missing docs for xxxx. Seller Comment (2021-02-11): pitia

Reviewer Comment (2021-02-16): Client provided an explanation for xxxx. This property was not purchased until after the closing of the subject, but the lender wanted to consider the additional debt for approval. Fraud report in file confirms the property was not yet owned by the borrower; HOA/Ins/Tax info not yet available and was included in debt as a worst case. Cleared exception based on explanation; xxxx property already fully documented per comments Reviewer Comment (2021-02-12): Received HOA docs for xxxx.  Missing docs for xxxx.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288904

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302288952

19782832

02/04/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-12): HOI provided Seller Comment (2021-02-12): HOI attached

Reviewer Comment (2021-02-12): HOI provided

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288952

19784423

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302288952

19784424

02/04/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-02-23): Rec'd executed RTC on H-9 form.  Unable to cure until rescission period ends onxxxx Seller Comment (2021-02-21): H9 attached

Reviewer Comment (2021-02-23): Rec'd executed RTC on H-9 form.  Unable to cure until rescission period ends onxxxx

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302408225

19883827

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302290267

No Finding

Loan Completed Without Finding

Review Complete

02/05/2021

1

1

302393991

19866556

02/10/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-25): Received inquiry letter. Seller Comment (2021-02-23): Credit Inquiry LOX

Reviewer Comment (2021-02-25): Received inquiry letter.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303752

No Finding

Loan Completed Without Finding

Review Complete

02/11/2021

1

1

302303244

19744009

02/02/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-12): Final policy provided with amended coverage amount. Seller Comment (2021-02-10): final title policy

Reviewer Comment (2021-02-12): Final policy provided with amended coverage amount.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303244

19744016

02/02/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-02-12): Short form final provided.

Reviewer Comment (2021-02-12): Short form final provided.

Cleared

02/12/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302307759

No Finding

Loan Completed Without Finding

Review Complete

02/11/2021

1

1

302303179

19705612

01/29/2021

Credit

Closing / Title

Missing Document: Rider - PUD not provided

Reviewer Comment (2021-03-03): Lender provided recorded mortgage and PUD rider. Seller Comment (2021-03-02): mortgage with rider

Reviewer Comment (2021-03-03): Lender provided recorded mortgage and PUD rider.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303179

19705698

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $550.00 exceeds tolerance of $510.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302303179

19734607

02/01/2021

Property

Appraisal Documentation

Loan is to be securitized.   Drive by (exterior only) appraisal was provided in lieu of full appraisal.  (GSE COVID19)

Application Date:  xxxx; Closing Date:  xxxx

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302303179

19734887

02/01/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-13): VOE within 5 business days. Buyer Comment (2021-02-12): response states condition cancelled but condition is showing as "rejected". Is this item being cleared? Reviewer Comment (2021-02-10): Work Number Verification completed on xxxx which is 5 business days from the Note date therefore, cancelled condition. Buyer Comment (2021-02-04): loan closed xxxx. VOE is dated five business days prior.

Reviewer Comment (2021-02-13): VOE within 5 business days. Reviewer Comment (2021-02-10): Work Number Verification completed on xxxx which is 5 business days from the Note date therefore, cancelled condition.

Cleared

02/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303134

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302303158

19792194

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302303158

19792195

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7563)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302304095

19793632

02/05/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-16): LoanSafe report provided. Seller Comment (2021-02-15): Fraud rpt

Reviewer Comment (2021-02-16): LoanSafe report provided.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305732

No Finding

Loan Completed Without Finding

Review Complete

01/25/2021

1

1

302303243

19799080

02/05/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 26,852.65 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-26): Letter of Explanation & Corrected Closing Disclosure provided Seller Comment (2021-02-22): see attached.

Reviewer Comment (2021-02-26): Letter of Explanation & Corrected Closing Disclosure provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302314340

No Finding

Loan Completed Without Finding

Review Complete

02/24/2021

1

1

302303760

19698012

01/28/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $405.00 exceeds tolerance of $342.00 plus 10% or $376.20.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-01-28): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-28): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302303760

19725489

01/30/2021

Credit

Liabilities Documentation

Credit Report Error: Credit history rating was not provided.

Reviewer Comment (2021-02-18): 24 plus months history provided between credit report and supplement Buyer Comment (2021-02-17): With the credit supplement provided, we have a full 24 months history. Existing mortgage that was paid off and prior mortgages 10+9+7= 26 months. The 7 months didn't show on the credit supplement because it is paid off. Please waive this condition. Reviewer Comment (2021-02-16): Supplement reflects 19 months history Seller Comment (2021-02-15): Credit Supplement Reviewer Comment (2021-02-05): Per guides: 24 months most recent housing payment history must be verified if borrower(s) have rented or owned a primary residence in the most recent 24 months Buyer Comment (2021-02-03): Can you please provide the guides that states the borrower needs to make at least 24 months of consecutive mortgage payments?

Reviewer Comment (2021-02-18): 24 plus months history provided between credit report and supplement Reviewer Comment (2021-02-16): Supplement reflects 19 months history Reviewer Comment (2021-02-05): Per guides: 24 months most recent housing payment history must be verified if borrower(s) have rented or owned a primary residence in the most recent 24 months

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304053

19714550

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $600.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302304053

19714551

01/29/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-08): Received PCCD issued 2/4/2021 reflecting a disbursement date ofxxxx and a LOX. Seller Comment (2021-02-04): Please see the attached disbursement summary from the title company showing the disbursement date asxxxx.

Reviewer Comment (2021-02-08): Received PCCD issued 2/4/2021 reflecting a disbursement date ofxxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302304053

19714600

01/29/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 5.98 is less than Guideline PITIA months reserves of 9.00.

Reviewer Comment (2021-02-08): Received additional assets. Seller Comment (2021-02-05): Please see the enclosed retirement statement for the borrowers. With this statement, we have satisfied the reserve requirement.

Reviewer Comment (2021-02-08): Received additional assets.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304077

19907151

02/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee.  Fee Amount of $267.53 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7349)

Reviewer Comment (2021-02-15): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-15): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302307066

19800694

02/06/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $485.00 exceeds tolerance of $400.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302304075

No Finding

Loan Completed Without Finding

Review Complete

02/11/2021

1

1

302305765

19668266

01/26/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-08): xxxx received e-consent date, exception cleared. Seller Comment (2021-02-03): econsent

Reviewer Comment (2021-02-08): xxxx received e-consent date, exception cleared.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304089

19803490

02/07/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,894.83  is less than amount of binding Lender Credit previously disclosed in the amount of $-3,581.90. (9300)

Reviewer Comment (2021-03-04): Sufficient cure was provided at closing. Buyer Comment (2021-02-25): The $687.07 is the cure for the lender credit. Reviewer Comment (2021-02-25): The Lender Credit on page 1 and on page 3 in section J was not increased enough to cover both the tolerance cure and the disclosed lender credit.  PCCD, LOE, copy of refund check and proof of delivery are required to cure. Seller Comment (2021-02-19): Attached

Reviewer Comment (2021-03-04): Sufficient cure was provided at closing. Reviewer Comment (2021-02-25): The Lender Credit on page 1 and on page 3 in section J was not increased enough to cover both the tolerance cure and the disclosed lender credit.  PCCD, LOE, copy of refund check and proof of delivery are required to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302323420

19680820

01/27/2021

Credit

Closing / Title

Missing Document: Rider - Other not provided

Reviewer Comment (2021-02-10): Received Rider. Seller Comment (2021-02-04): Attached

Reviewer Comment (2021-02-10): Received Rider.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323420

19685696

01/27/2021

Credit

Guideline Issue

Aged document: Asset Account date is more than 90 days prior to Closing.

Financial Institution: xxxx // Account Type: Individual Retirement Account (IRA) / Account Number: xxxx, Financial Institution: xxxx // Account Type: Individual Retirement Account (IRA) / Account Number: xxxx, Financial Institution: xxxx // Account Type: 401(k)/403(b) Account / Account Number: xxxx, Financial Institution: xxxx // Account Type: Life Insurance Value / Account Number: xxxx

Reviewer Comment (2021-02-10): Received additional statements. Seller Comment (2021-02-09): retirement account histories thru 12/31/20

Reviewer Comment (2021-02-10): Received additional statements.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323420

19685734

01/27/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Life Insurance Value / Account Number: xxxx

Reviewer Comment (2021-02-10): Received additional statements. Seller Comment (2021-02-09): Attached

Reviewer Comment (2021-02-10): Received additional statements.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323420

19686044

01/27/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-15): Provided evidence of earlier consent Buyer Comment (2021-02-12): This is proof of econsent dated before the app date. Please clear Reviewer Comment (2021-02-10): xxxx received screenshot of the e consent accepted however the date and time do not specify if it is the date sent or accepted. Please provide additional documentation indicating date e consent was completed. Seller Comment (2021-02-04): Attached

Reviewer Comment (2021-02-15): Provided evidence of earlier consent Reviewer Comment (2021-02-10): xxxx received screenshot of the e consent accepted however the date and time do not specify if it is the date sent or accepted. Please provide additional documentation indicating date e consent was completed.

Cleared

02/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302321635

No Finding

Loan Completed Without Finding

Review Complete

01/23/2021

1

1

302305764

19682850

01/27/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $445.00 exceeds tolerance of $395.00 plus 10% or $434.50.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-05): Provided Final Closing statement Seller Comment (2021-02-03): Fees decreased at closing. No cure required.

Reviewer Comment (2021-02-05): Provided Final Closing statement

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305764

19682851

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $845.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-05): Letter of Explanation & Corrected Closing Disclosure Provided Buyer Comment (2021-02-03): Fees decreased at closing. See CD uploaded to other condition. No cure required.

Reviewer Comment (2021-02-05): Letter of Explanation & Corrected Closing Disclosure Provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302305764

19688273

01/27/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 35,344.10 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-05): Letter of Explanation & Corrected Closing Disclosure Provided Seller Comment (2021-02-03): PCCD

Reviewer Comment (2021-02-05): Letter of Explanation & Corrected Closing Disclosure Provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302305764

19792181

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $845.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302305743

19699751

01/28/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-23): Gap letter provided. Seller Comment (2021-02-22): job gap lox

Reviewer Comment (2021-02-23): Gap letter provided.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305743

19699752

01/28/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-23): Gap letter provided.

Reviewer Comment (2021-02-23): Gap letter provided.

Cleared

02/23/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302305762

No Finding

Loan Completed Without Finding

Review Complete

02/24/2021

1

1

302307708

19906452

02/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee.  Fee Amount of $110.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7535)

Reviewer Comment (2021-02-15): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-15): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302307708

19906453

02/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $424.50 exceeds tolerance of $328.00.  Sufficient or excess cure was provided to the borrower at Closing. (7564)

Reviewer Comment (2021-02-15): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-15): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302307708

19906454

02/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $3,745.00 exceeds tolerance of $3,025.00.  Sufficient or excess cure was provided to the borrower at Closing. (7567)

Reviewer Comment (2021-02-15): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-15): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302307708

19906455

02/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $4,037.00 exceeds tolerance of $3,245.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-02-15): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-15): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302307063

19665000

01/25/2021

Compliance

Federal Compliance

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Reviewer Comment (2021-02-05): Provided ROR Seller Comment (2021-02-03): see lox and rtc attached.

Reviewer Comment (2021-02-05): Provided ROR

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307063

19784736

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $450.00 exceeds tolerance of $400.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302307063

19784737

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302316241

19844629

02/09/2021

Credit

Closing / Title

Missing Document: Security Instrument - Subject Lien not provided

Reviewer Comment (2021-02-25): provided Security Instrument Seller Comment (2021-02-23): Please see attached.

Reviewer Comment (2021-02-25): provided Security Instrument

Cleared

02/25/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302316241

19844630

02/09/2021

Credit

Closing / Title

Missing Document: Rider - PUD not provided

Reviewer Comment (2021-02-25): Provided PUD rider Seller Comment (2021-02-23): Please see attached,

Reviewer Comment (2021-02-25): Provided PUD rider

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307753

19670490

01/26/2021

Credit

Closing / Title

Missing Document: Rider - PUD not provided

Reviewer Comment (2021-02-03): Received PUD Rider. Seller Comment (2021-02-01): Attached

Reviewer Comment (2021-02-03): Received PUD Rider.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307753

19670855

01/26/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 4,235.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-09): Received PCCD issued 2/1/2021 reflecting the corrected non escrowed property costs year 1 and a LOX. Seller Comment (2021-02-05): Attached Reviewer Comment (2021-02-03): Received PCCD issued 2/1/2021 reflecting the corrected non escrowed property costs year 1 but a letter of explanation was not provided. Seller Comment (2021-02-03): Attached

Reviewer Comment (2021-02-09): Received PCCD issued 2/1/2021 reflecting the corrected non escrowed property costs year 1 and a LOX. Reviewer Comment (2021-02-03): Received PCCD issued 2/1/2021 reflecting the corrected non escrowed property costs year 1 but a letter of explanation was not provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302307753

19670857

01/26/2021

Compliance

Federal Compliance

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Reviewer Comment (2021-02-03): Received the ROR for both borrowers. Seller Comment (2021-02-03): Attached

Reviewer Comment (2021-02-03): Received the ROR for both borrowers.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323419

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302307772

19888716

02/11/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 17,645.80 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-03): Received PCCD issued 3/2/2021 correcting the property costs year 1 and a LOX. Seller Comment (2021-03-02): PCCD, LOX

Reviewer Comment (2021-03-03): Received PCCD issued 3/2/2021 correcting the property costs year 1 and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302307772

20013330

02/24/2021

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Reviewer Comment (2021-03-03): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property. Seller Comment (2021-03-02): PDI

Reviewer Comment (2021-03-03): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property.

Property inspected post disaster but pre-FEMA declaration of disaster end date.

Waived

N

3

2

C

B

B

B

C

B

C

B

C

B

302320962

19763056

02/02/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-11): Employment dates documented per Appendix Q. Buyer Comment (2021-02-09): please advise if anything is needed.  condition states documentation has been provided.

Reviewer Comment (2021-02-11): Employment dates documented per Appendix Q.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320962

19763057

02/02/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-11): Employment dates documented per Appendix Q. Seller Comment (2021-02-09): compliance report

Reviewer Comment (2021-02-11): Employment dates documented per Appendix Q.

Cleared

02/11/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302318350

19866271

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302318350

19956201

02/19/2021

Property

Appraisal Documentation

Loan is to be securitized.   Drive by (exterior only) appraisal was provided in lieu of full appraisal.  (GSE COVID19)

Application Date:  xxxx; Closing Date:  xxxx

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302323367

19809693

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,350.00 exceeds tolerance of $1,250.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320961

No Finding

Loan Completed Without Finding

Review Complete

02/16/2021

1

1

302315939

No Finding

Loan Completed Without Finding

Review Complete

02/11/2021

1

1

302315938

19786241

02/04/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Transcripts (2018), Transcripts (2019)

Reviewer Comment (2021-02-18): Provided tax Transcripts for 2018-2019.xxxx Seller Comment (2021-02-17): Attached

Reviewer Comment (2021-02-18): Provided tax Transcripts for 2018-2019.xxxx

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316409

No Finding

Loan Completed Without Finding

Review Complete

02/01/2021

1

1

302318348

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302316436

No Finding

Loan Completed Without Finding

Review Complete

02/16/2021

1

1

302316111

19818377

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 23,174.03 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-02): Received PCCD issuedxxxx reflecting the corrected property costs year 1 and a LOX. Seller Comment (2021-02-25): adding CD Seller Comment (2021-02-24): attached corrections

Reviewer Comment (2021-03-02): Received PCCD issuedxxxx reflecting the corrected property costs year 1 and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302408791

19785921

02/04/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-16): Gap letter provided. Seller Comment (2021-02-15): job gap lox

Reviewer Comment (2021-02-16): Gap letter provided.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408791

19785922

02/04/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-16): Gap letter provided.

Reviewer Comment (2021-02-16): Gap letter provided.

Cleared

02/16/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302408791

19798262

02/05/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $364.00 exceeds tolerance of $320.00 plus 10% or $352.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302326621

No Finding

Loan Completed Without Finding

Review Complete

02/12/2021

1

1

302318095

No Finding

Loan Completed Without Finding

Review Complete

02/05/2021

1

1

302318347

19670186

01/26/2021

Property

Appraisal Documentation

Loan is to be securitized.   Drive by (exterior only) appraisal was provided in lieu of full appraisal.  (GSE COVID19)

Application Date:  xxxx; Closing Date:  xxxx

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302318347

19686862

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $375.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-01-28): Lender cured on the final CD with a $125 tolerance cure credit.

Reviewer Comment (2021-01-28): Lender cured on the final CD with a $125 tolerance cure credit.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318347

19686863

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for State of IL Policy Fee.  Fee Amount of $3.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77220)

Reviewer Comment (2021-02-15): Received PCCD issued 2/8/2021 reflecting a $3 additional tolerance cure, a LOX, copy of refund check and evidence of delivery. Seller Comment (2021-02-12): PCCD

Reviewer Comment (2021-02-15): Received PCCD issued 2/8/2021 reflecting a $3 additional tolerance cure, a LOX, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302318347

20009971

02/24/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $375.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-24): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-24): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302316109

No Finding

Loan Completed Without Finding

Review Complete

02/24/2021

1

1

302316239

19742834

02/02/2021

Credit

Document Error

Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.

Borrower: xxxx

Reviewer Comment (2021-02-12): H1B documentation provided. Seller Comment (2021-02-10): Attached

Reviewer Comment (2021-02-12): H1B documentation provided.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316404

19897143

02/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $795.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302316404

19897222

02/12/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-23): PCCD and LOE provided to revise disbursement date. Seller Comment (2021-02-22): PCCD

Reviewer Comment (2021-02-23): PCCD and LOE provided to revise disbursement date.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302316404

19938944

02/17/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-25): VOEs performedxxxxrovided. Seller Comment (2021-02-23): VOEs

Reviewer Comment (2021-02-25): VOEs performedxxxxrovided.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316435

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302316434

19742254

02/02/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 46,836.24 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-15): Letter of Explanation & Corrected Closing Disclosure Provided Seller Comment (2021-02-10): PCCD attached with monthly non escrow costs of $4388.90 Year 1 costs on pg 4 are based on an 11 month calculation, excluding the month of consummation.

Reviewer Comment (2021-02-15): Letter of Explanation & Corrected Closing Disclosure Provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302316434

19742255

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302321621

19705638

01/29/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-02-12): Corrected RTC was provided to and signed by the borrowers. Seller Comment (2021-02-10): Corrected form, signed and uploaded.

Reviewer Comment (2021-02-12): Corrected RTC was provided to and signed by the borrowers.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302325312

19571465

01/15/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-03-03): Lease provided and input. Seller Comment (2021-03-02): Attached Reviewer Comment (2021-02-11): Appendix Q requires a lease agreement if you are using rental income from a Schedule E. Buyer Comment (2021-02-09): Why do we need  the leases if they are on his tax returns? Reviewer Comment (2021-02-03): Agree there is no gross rental income listed but there is net rental income listed reflecting $xxxx.  Was the full PITI being used? Buyer Comment (2021-02-01): Please re-review the final 1003,  there is no gross rental income listed.  We are not using any rental income, so we should not need the leases. Reviewer Comment (2021-01-21): Rental income is reflected on the Final 1003. Buyer Comment (2021-01-20): Please clarify as per the 1003 no rental income is listed for this property.  Thank you

Reviewer Comment (2021-03-03): Lease provided and input. Reviewer Comment (2021-02-11): Appendix Q requires a lease agreement if you are using rental income from a Schedule E. Reviewer Comment (2021-02-03): Agree there is no gross rental income listed but there is net rental income listed reflecting $xxxx.  Was the full PITI being used? Reviewer Comment (2021-01-21): Rental income is reflected on the Final 1003.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325312

19571466

01/15/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-02-03): Received evidenced that the full PITI was used in the DTI calculation. Buyer Comment (2021-02-01): Please re-review the final 1003,  there is no gross rental income listed.  We are not using any rental income, so we should not need the leases. Reviewer Comment (2021-01-21): If full PITI is to be used in the DTI calculation then the DTI would be 45%. Buyer Comment (2021-01-20): Please clarify as per the 1003 no rental income is listed for this property. Thank you

Reviewer Comment (2021-02-03): Received evidenced that the full PITI was used in the DTI calculation. Reviewer Comment (2021-01-21): If full PITI is to be used in the DTI calculation then the DTI would be 45%.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325312

19571467

01/15/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-03-03): Lease provided and input. Seller Comment (2021-03-02): Attached Reviewer Comment (2021-02-03): Agree there is no gross rental income listed but there is net rental income listed reflecting $xxxx.  Was the full PITI being used instead of rental income? Seller Comment (2021-02-01): Please re-review the final 1003,  there is no gross rental income listed.  We are not using any rental income, so we should not need the leases. Reviewer Comment (2021-01-21): Final 1003 reflects rental income is being used. Buyer Comment (2021-01-20): Please clarify as per the 1003 no rental income is listed for this property. Thank you

Reviewer Comment (2021-03-03): Lease provided and input. Reviewer Comment (2021-02-03): Agree there is no gross rental income listed but there is net rental income listed reflecting $xxxx.  Was the full PITI being used instead of rental income? Reviewer Comment (2021-01-21): Final 1003 reflects rental income is being used.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325312

19571468

01/15/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-26):xxxx:  Balance Sheet provided.   Exception has been cleared. Seller Comment (2021-02-25): Attached Reviewer Comment (2021-02-03): Received P&L.  Missing balance sheet. Seller Comment (2021-02-03): Attached

Reviewer Comment (2021-02-26):xxxx:  Balance Sheet provided.   Exception has been cleared. Reviewer Comment (2021-02-03): Received P&L.  Missing balance sheet.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325312

19571469

01/15/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-03): Lease provided for xxxx and input. Reviewer Comment (2021-02-03): Income exceptions remain. Seller Comment (2021-02-03): Attached

Reviewer Comment (2021-03-03): Lease provided for xxxx and input. Reviewer Comment (2021-02-03): Income exceptions remain.

Cleared

03/03/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302325312

19774801

02/03/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 44.41322% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-03-03): Lease provided for xxxx and input. Seller Comment (2021-03-02): Attached Reviewer Comment (2021-02-07): Final application reflects positive rental income for xxxx as $xxxx, there is no lease agreement or evidence of rents received on the tax returns.  Calculated loss for that property is $xxxx.  Additionally, the lender used net rental income of $xxxx for xxxx, calculate rental income from tax returns is $xxxx. Seller Comment (2021-02-05): Please note that the 1003 uploaded was the Final from closing.  DTI is at 40%, see attached 1008

Reviewer Comment (2021-03-03): Lease provided for xxxx and input. Reviewer Comment (2021-02-07): Final application reflects positive rental income for xxxx as $xxxx, there is no lease agreement or evidence of rents received on the tax returns.  Calculated loss for that property is $xxxx.  Additionally, the lender used net rental income of $xxxx for xxxx, calculate rental income from tax returns is $xxxx.

Cleared

03/03/2021

N

3

1

A

A

A

A

A

302325312

19774802

02/03/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-03-03): Lease provided for xxxx and input. Seller Comment (2021-03-02): Attached Reviewer Comment (2021-02-07): Final application reflects positive rental income for xxxx as $xxxx, there is no lease agreement or evidence of rents received on the tax returns.  Calculated loss for that property is $xxxx.  Additionally, the lender used net rental income of $xxxx for xxxx, calculate rental income from tax returns is $xxxx. Seller Comment (2021-02-05): Please note that the 1003 uploaded was the Final from closing. DTI is at 40%, see attached 1008

Reviewer Comment (2021-03-03): Lease provided for xxxx and input. Reviewer Comment (2021-02-07): Final application reflects positive rental income for xxxx as $xxxx, there is no lease agreement or evidence of rents received on the tax returns.  Calculated loss for that property is $xxxx.  Additionally, the lender used net rental income of $xxxx for xxxx, calculate rental income from tax returns is $xxxx.

Cleared

03/03/2021

N

3

1

A

A

A

A

A

302325312

19774809

02/03/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 44.41322% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-03-03): Lease provided for xxxx and input. Seller Comment (2021-03-02): Attached Reviewer Comment (2021-02-07): Final application reflects positive rental income for xxxx as $xxxx, there is no lease agreement or evidence of rents received on the tax returns.  Calculated loss for that property is $xxxx.  Additionally, the lender used net rental income of $xxxx for xxxx, calculate rental income from tax returns is $xxxx. Seller Comment (2021-02-05): Please note that the 1003 uploaded was the Final from closing. DTI is at 40%, see attached 1008

Reviewer Comment (2021-03-03): Lease provided for xxxx and input. Reviewer Comment (2021-02-07): Final application reflects positive rental income for xxxx as $xxxx, there is no lease agreement or evidence of rents received on the tax returns.  Calculated loss for that property is $xxxx.  Additionally, the lender used net rental income of $xxxx for xxxx, calculate rental income from tax returns is $xxxx.

Cleared

03/03/2021

N

3

1

A

A

A

A

A

302325312

20034913

02/26/2021

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Reviewer Comment (2021-03-03): PDI provided with inspection date 02.26.01. Seller Comment (2021-03-02): PDI

Reviewer Comment (2021-03-03): PDI provided with inspection date 02.26.01.

Cleared

03/03/2021

N

3

1

A

A

A

A

A

302331379

No Finding

Loan Completed Without Finding

Review Complete

02/12/2021

1

1

302318345

19835853

02/08/2021

Credit

Closing / Title

Title Error: Title vesting does not concur with deed

Reviewer Comment (2021-03-01): Grant deed with correct vesting provided. Seller Comment (2021-02-26): Attached.

Reviewer Comment (2021-03-01): Grant deed with correct vesting provided.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318345

19835865

02/08/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-03-01): Earlier e-consent documented. Seller Comment (2021-02-24): Attached

Reviewer Comment (2021-03-01): Earlier e-consent documented.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318345

19835866

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302318380

19804570

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Amount Financed

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx did not disclose the Amount Financed. (Final/xxxx)

Reviewer Comment (2021-02-20): Received complete Final CD. Seller Comment (2021-02-17): Please see attached.

Reviewer Comment (2021-02-20): Received complete Final CD.

Cleared

02/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318380

19804571

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure APR

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx did not disclose the APR. (Final/xxxx)

Reviewer Comment (2021-02-20): Received complete Final CD. Seller Comment (2021-02-17): Please see attached.

Reviewer Comment (2021-02-20): Received complete Final CD.

Cleared

02/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318380

19804572

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-20): Received complete Final CD. Seller Comment (2021-02-17): Please see attached.

Reviewer Comment (2021-02-20): Received complete Final CD.

Cleared

02/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318380

19804573

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx did not disclose the Finance Charge. (Final/xxxx)

Reviewer Comment (2021-02-20): Received complete Final CD. Seller Comment (2021-02-17): Please see attached.

Reviewer Comment (2021-02-20): Received complete Final CD.

Cleared

02/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318380

19804574

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Negative Amortization

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan contains Negative Amortization. (Final/xxxx)

Reviewer Comment (2021-02-20): Received complete Final CD. Seller Comment (2021-02-17): Please see attached.

Reviewer Comment (2021-02-20): Received complete Final CD.

Cleared

02/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318380

19804575

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Partial Payments

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan allows for Partial Payments. (Final/xxxx)

Reviewer Comment (2021-02-20): Received complete Final CD. Seller Comment (2021-02-17): Please see attached.

Reviewer Comment (2021-02-20): Received complete Final CD.

Cleared

02/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318380

19804576

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx did not disclose the Total of Payments. (Final/xxxx)

Reviewer Comment (2021-02-20): Received complete Final CD. Seller Comment (2021-02-17): Please see attached.

Reviewer Comment (2021-02-20): Received complete Final CD.

Cleared

02/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318380

19804577

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose Estimated Property Costs over Year 1. (Final/xxxx)

Reviewer Comment (2021-02-20): Received complete Final CD. Seller Comment (2021-02-17): Please see attached.

Reviewer Comment (2021-02-20): Received complete Final CD.

Cleared

02/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318380

19804578

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-20): Received complete Final CD. Seller Comment (2021-02-17): Please see attached.

Reviewer Comment (2021-02-20): Received complete Final CD.

Cleared

02/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318380

19804579

02/08/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-23): Rec'd PCCD reflecting correct disbursement date. Seller Comment (2021-02-22): Please see the enclosed PCCD reflecting the correct disbursement date of xxxx. Reviewer Comment (2021-02-18): Received closing statement reflecting a disbursement date ofxxxx  Please provide a PCCD reflecting the correct disbursement date. Seller Comment (2021-02-17): Please see the enclosed final settlement statement from the title company showing the disbursement date asxxxx. Please also see the post-close CD reconciled with the figures from the final settlement statement.

Reviewer Comment (2021-02-23): Rec'd PCCD reflecting correct disbursement date. Reviewer Comment (2021-02-18): Received closing statement reflecting a disbursement date ofxxxx  Please provide a PCCD reflecting the correct disbursement date.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318380

19804580

02/08/2021

Compliance

Federal Compliance

TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date

Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Reviewer Comment (2021-02-18): Received complete final CD with signature date. Seller Comment (2021-02-17): Please see the enclosed final settlement statement from the title company showing the disbursement date asxxxx. Please also see the post-close CD reconciled with the figures from the final settlement statement.

Reviewer Comment (2021-02-18): Received complete final CD with signature date.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318380

19804634

02/08/2021

Credit

General

Incomplete Document: Closing Disclosure is incomplete

Reviewer Comment (2021-02-18): Pages provided. Seller Comment (2021-02-17): Please see attached.

Reviewer Comment (2021-02-18): Pages provided.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318380

19963983

02/20/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-23): Rec'd PCCD and LOE to the borrower. Seller Comment (2021-02-22): Please see attached.

Reviewer Comment (2021-02-23): Rec'd PCCD and LOE to the borrower.

Cured

N

3

2

B

B

B

B

B

302318093

19772979

02/03/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-02-11): Correct form was used. Buyer Comment (2021-02-09): please waive.  the previous mortgage and payoff is  xxxx.

Reviewer Comment (2021-02-11): Correct form was used.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338272

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302320981

19844799

02/09/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-25): Provided VVOE for prior employer and GAP letter Seller Comment (2021-02-25): lox attached

Reviewer Comment (2021-02-25): Provided VVOE for prior employer and GAP letter

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320981

19844800

02/09/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-25): Provided VVOE for prior employer and GAP letter

Reviewer Comment (2021-02-25): Provided VVOE for prior employer and GAP letter

Cleared

02/25/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302320981

19844802

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $694.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320981

19844803

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $694.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320981

19844904

02/09/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-26):xxxx:  Received the WVOE.  Exception has been cleared. Seller Comment (2021-02-25): WVOE

Reviewer Comment (2021-02-26):xxxx:  Received the WVOE.  Exception has been cleared.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320981

19875424

02/10/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-25): Received updated VOE. Seller Comment (2021-02-23): final VOE

Reviewer Comment (2021-02-25): Received updated VOE.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318344

19871770

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $550.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320903

19875538

02/10/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $380.00 exceeds tolerance of $336.00 plus 10% or $369.60.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302323336

19738655

02/01/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-12): Earlier e-consent documented. Seller Comment (2021-02-10): Econsent attached

Reviewer Comment (2021-02-12): Earlier e-consent documented.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323336

19738658

02/01/2021

Credit

General

Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.

Reviewer Comment (2021-02-12): Signed taxpayer consent provided. Seller Comment (2021-02-10): Taxpayer consent attached

Reviewer Comment (2021-02-12): Signed taxpayer consent provided.

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302318400

No Finding

Loan Completed Without Finding

Review Complete

02/01/2021

1

1

302319587

19743682

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $694.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302319587

19743683

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302319587

19775264

02/03/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-17): Dissolution of xxxx documented.  2019 K1 is marked final. Buyer Comment (2021-02-16): xxxx was dissolved. Documents were provided in file to show the company was dissolved and no longer exists. P&L and Balance Sheet shouldn't be needed. Reviewer Comment (2021-02-11): Documents are still required if income is being used or not. Buyer Comment (2021-02-09): xxxx not used to qualify, please clear or advise

Reviewer Comment (2021-02-17): Dissolution of xxxx documented.  2019 K1 is marked final. Reviewer Comment (2021-02-11): Documents are still required if income is being used or not.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302319587

19775265

02/03/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-17): Dissolution of xxxx documented.  2019 K1 is marked final.

Reviewer Comment (2021-02-17): Dissolution of xxxx documented.  2019 K1 is marked final.

Cleared

02/17/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302325310

19728445

02/01/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,534.61 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-09): xxxx received PCCD and LOE; exception is cured. Seller Comment (2021-02-04): Please see attached.

Reviewer Comment (2021-02-09): xxxx received PCCD and LOE; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302320436

19687832

01/27/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-05): Received RCE.  Coverage is sufficient. Seller Comment (2021-02-03): see attached

Reviewer Comment (2021-02-05): Received RCE.  Coverage is sufficient.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302409344

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302327795

19730376

02/01/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-11): xxxx received xxxx consent. Seller Comment (2021-02-08): see attached

Reviewer Comment (2021-02-11): xxxx received xxxx consent.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320978

19792734

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $32.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320955

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302321625

19777635

02/03/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $350.00 exceeds tolerance of $200.00 plus 10% or $220.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-16): Cure provided on closing CD. Seller Comment (2021-02-11): The cure was included in the total cure. Please refer to the attached LOX and clear this condition.

Reviewer Comment (2021-02-16): Cure provided on closing CD.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302321649

19831268

02/08/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-25): Received fraud report.  All red flags addressed. Seller Comment (2021-02-24): see attached

Reviewer Comment (2021-02-25): Received fraud report.  All red flags addressed.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325279

19704866

01/29/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-08): Replacement cost estimator provided. Seller Comment (2021-02-05): Replacement cost included on page 3 of the policy in file.

Reviewer Comment (2021-02-08): Replacement cost estimator provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325279

19722639

01/29/2021

Credit

General

Missing Document: Donor Check not provided

Reviewer Comment (2021-02-08): Receipt of wired funds by settlement agent documented. Seller Comment (2021-02-05): attached

Reviewer Comment (2021-02-08): Receipt of wired funds by settlement agent documented.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302321648

19844902

02/09/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-03-02): Lender cured on the PCCD dated 02.24.2021. Seller Comment (2021-02-24): see attached.

Reviewer Comment (2021-03-02): Lender cured on the PCCD dated 02.24.2021.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302321639

19847803

02/09/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification

Reviewer Comment (2021-02-25): Received evidence of HOA payment. Seller Comment (2021-02-23): HOA dues

Reviewer Comment (2021-02-25): Received evidence of HOA payment.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302321639

19954305

02/19/2021

Property

Appraisal Documentation

Loan is to be securitized.   Drive by (exterior only) appraisal was provided in lieu of full appraisal.  (GSE COVID19)

Application Date:  xxxx; Closing Date:  xxxx

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302321637

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302323400

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302326595

19843573

02/08/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-19): Provided GAP letter Seller Comment (2021-02-18): W-2

Reviewer Comment (2021-02-19): Provided GAP letter

Cleared

02/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302326595

19843575

02/08/2021

Credit

Title / Lien Defect

Final Title Policy is missing. No evidence of title in file.

Reviewer Comment (2021-02-19): Provided Title Seller Comment (2021-02-18): Title

Reviewer Comment (2021-02-19): Provided Title

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302326595

19843582

02/08/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-19): Provided GAP letter Seller Comment (2021-02-18): gap letter

Reviewer Comment (2021-02-19): Provided GAP letter

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302326595

19843587

02/08/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-19): Provided GAP letter Seller Comment (2021-02-18): gap employment

Reviewer Comment (2021-02-19): Provided GAP letter

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327823

19786242

02/04/2021

Credit

Application / Processing

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

Reviewer Comment (2021-02-12): 1008 provided Seller Comment (2021-02-11): Please see attached.

Reviewer Comment (2021-02-12): 1008 provided

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323266

19809260

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Amendment.  Fee Amount of $5.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (77219)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302336584

19797069

02/05/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-16): Received missing income docs. Seller Comment (2021-02-15): documents were in file with balance sheets.

Reviewer Comment (2021-02-16): Received missing income docs.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336584

19797070

02/05/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-18): P & L provided. Buyer Comment (2021-02-17): xxxx P&L was provided.  Page 4 of uploaded document. Reviewer Comment (2021-02-16): P&L was not provided for xxxx. Buyer Comment (2021-02-15): documents uploaded to other conditions.

Reviewer Comment (2021-02-18): P & L provided. Reviewer Comment (2021-02-16): P&L was not provided for xxxx.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336584

19797096

02/05/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-18): P& L provided. Buyer Comment (2021-02-17): xxxx P&L was provided. Page 4 of uploaded document. Reviewer Comment (2021-02-16): Income documentation exceptions remain. Buyer Comment (2021-02-15): documents uploaded to other condition.

Reviewer Comment (2021-02-18): P& L provided. Reviewer Comment (2021-02-16): Income documentation exceptions remain.

Cleared

02/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302336584

19800482

02/06/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,060.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302323399

No Finding

Loan Completed Without Finding

Review Complete

02/25/2021

1

1

302326592

19735769

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302325277

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302323363

19886960

02/11/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,760.58  is less than amount of binding Lender Credit previously disclosed in the amount of $-6,296.00. (9300)

Reviewer Comment (2021-03-04): xxxx received VCC, exception cleared. Seller Comment (2021-02-25): COC with CD datedxxxx

Reviewer Comment (2021-03-04): xxxx received VCC, exception cleared.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323363

19925729

02/16/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-03-04): xxxx received initial CD, exception cleared. Seller Comment (2021-02-26):xxxx

Reviewer Comment (2021-03-04): xxxx received initial CD, exception cleared.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323415

19786755

02/04/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-12): Received PCCD issuedxxxx reflecting an updated disbursement date ofxxxx and a LOX. Seller Comment (2021-02-11): Corrected CD and bwr lox attached

Reviewer Comment (2021-02-12): Received PCCD issuedxxxx reflecting an updated disbursement date ofxxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302327901

19778483

02/04/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-25): Provided confirmation that policy written as a second home Seller Comment (2021-02-23): Confirmation from Insurance agent that policy written as a 2nd home. Reviewer Comment (2021-02-12): Middle of first page: "DP-0003 Fair Rental Value Coverage" Seller Comment (2021-02-11): Unable to locate where property type is indicated in active insurance attached.  Please clear or provide further information

Reviewer Comment (2021-02-25): Provided confirmation that policy written as a second home Reviewer Comment (2021-02-12): Middle of first page: "DP-0003 Fair Rental Value Coverage"

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327901

19786369

02/04/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-12): xxxx: Received updated RCE showing lower value. Seller Comment (2021-02-11): Insurance for xxxxk, RCE shows Replacement Cost is xxxx

Reviewer Comment (2021-02-12): xxxx: Received updated RCE showing lower value.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327901

19801936

02/06/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302327901

19801947

02/06/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Third Party Verification

Reviewer Comment (2021-02-18): xxxx loss is documented and included in DTI. Buyer Comment (2021-02-17): xxxx employment wasn't used to qualify the loan, so VOE not required.  Please clear or advise. Reviewer Comment (2021-02-12): xxxx: Received Vvoe for primary employment. Need third party verification for xxxx. Seller Comment (2021-02-11): 3rd Party Verification

Reviewer Comment (2021-02-18): xxxx loss is documented and included in DTI. Reviewer Comment (2021-02-12): xxxx: Received Vvoe for primary employment. Need third party verification for xxxx.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327901

19802012

02/06/2021

Credit

Appraisal Reconciliation

Status of property as second home is in question due to distance from primary residence.

Valuation Type: Appraisal / Valuation Report Date: xxxx

Reviewer Comment (2021-02-15): Lender approved exception at origination stating xxxx. Seller Comment (2021-02-15): Email LOX specifying exception reason Reviewer Comment (2021-02-13): Exception provided does not specifically reflect the exception. Seller Comment (2021-02-11): Approved for exception in underwriting

Reviewer Comment (2021-02-15): Lender approved exception at origination stating xxxx. Reviewer Comment (2021-02-13): Exception provided does not specifically reflect the exception.

The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302325274

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302325071

19784416

02/04/2021

Property

Appraisal Documentation

Loan is to be securitized.  Appraisal is missing.; Sec ID: 1

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-12): 2055 provided. Buyer Comment (2021-02-10): The appraisal was delivered with the package. Please clear.

Reviewer Comment (2021-02-12): 2055 provided.

Cleared

02/12/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302325071

19785127

02/04/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-02-25): Provided executed H9 ROR Seller Comment (2021-02-23): H9 Attached.

Reviewer Comment (2021-02-25): Provided executed H9 ROR

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325071

19891336

02/12/2021

Property

Appraisal Documentation

Loan is to be securitized.   Drive by (exterior only) appraisal was provided in lieu of full appraisal.   Secondary valuation supports value.   (GSE COVID19)

Application Date:  xxxx; Closing Date:  xxxx

Open

N

2

2

B

B

B

B

B

302325273

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302326616

No Finding

Loan Completed Without Finding

Review Complete

01/28/2021

1

1

302326585

19721653

01/29/2021

Compliance

State Compliance

Illinois SB 1894

IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.

Reviewer Comment (2021-02-09): Provided IL disclosure Seller Comment (2021-02-05): cert of compliance

Reviewer Comment (2021-02-09): Provided IL disclosure

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302326585

19721654

01/29/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 21,053.01 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-09): Letter of Explanation & Corrected Closing Disclosure Provided Seller Comment (2021-02-05): post CD

Reviewer Comment (2021-02-09): Letter of Explanation & Corrected Closing Disclosure Provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302326584

19766375

02/02/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Tax Verification

Reviewer Comment (2021-02-11): Received missing REO docs. Seller Comment (2021-02-09): REO docs.

Reviewer Comment (2021-02-11): Received missing REO docs.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302326584

19766391

02/02/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-11): VOE within 5 business days. Buyer Comment (2021-02-09): xxxx is exactly 5 days from xxxx, please clarify if you are including sunday as an additional day as this seems to be in compliance. If this is not in compliance, please advise if we can have a post closing dated VOE confirming that the borrower is employed as of closing.

Reviewer Comment (2021-02-11): VOE within 5 business days.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327860

19791368

02/05/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Escrowed Property Costs Year 1 -  October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 18,272.10 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-14): Received invoice with correct hazard premium. Seller Comment (2021-02-12): Invoice showing premium due is $xxxx.

Reviewer Comment (2021-02-14): Received invoice with correct hazard premium.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327860

19792271

02/05/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1394065)

Reviewer Comment (2021-02-14): Received invoice with correct hazard premium. Buyer Comment (2021-02-12): See previous for invoice matching figures used.

Reviewer Comment (2021-02-14): Received invoice with correct hazard premium.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327786

19721722

01/29/2021

Credit

Application / Processing

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

Reviewer Comment (2021-02-08): Received 1008. Seller Comment (2021-02-05): Attached

Reviewer Comment (2021-02-08): Received 1008.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327786

19721755

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $650.00 exceeds tolerance of $625.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-29): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302327210

19809609

02/08/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-26): Received the borrowers Fraud report. Seller Comment (2021-02-25): Fraud Report Reviewer Comment (2021-02-25): Provided xxxx report. Missing Fraud Report Seller Comment (2021-02-23): Fraud Report

Reviewer Comment (2021-02-26): Received the borrowers Fraud report. Reviewer Comment (2021-02-25): Provided xxxx report. Missing Fraud Report

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327210

19818276

02/08/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Other

Reviewer Comment (2021-02-25): Provided CD Seller Comment (2021-02-23): CD for Refinanced property

Reviewer Comment (2021-02-25): Provided CD

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332820

19793149

02/05/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-16): Provided Post Closing Disclosure reflecting correct sign date and disbursement. xxxx Seller Comment (2021-02-15): PCCD Bundle to clear.

Reviewer Comment (2021-02-16): Provided Post Closing Disclosure reflecting correct sign date and disbursement. xxxx

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327857

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302327898

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302329306

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302327856

19888508

02/11/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $395.00 exceeds tolerance of $358.00 plus 10% or $393.80.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302329294

19882145

02/11/2021

Compliance

Federal Compliance

K-1 Documentation

Qualified Mortgage (Dodd-Frank 2014): Required K-1s or signed tax returns/transcripts not provided for K-1 (Less than 25% Ownership) income. (xxxx/Schedule K-1 less than 25 Percent)

Reviewer Comment (2021-03-03): Received 2019 K-1 Seller Comment (2021-03-03): K-1

Reviewer Comment (2021-03-03): Received 2019 K-1

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329294

19882177

02/11/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-03): Received 2019 K-1

Reviewer Comment (2021-03-03): Received 2019 K-1

Cleared

03/03/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302329294

19967728

02/22/2021

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Reviewer Comment (2021-03-03): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property. Seller Comment (2021-03-02): PDI

Reviewer Comment (2021-03-03): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property.

Property inspected post disaster but pre-FEMA declaration of disaster end date.

Waived

N

3

2

C

B

B

B

C

B

C

B

C

B

302329305

19835751

02/08/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-21): Received 2 years W-2's. Seller Comment (2021-02-19): W2 for both years in attached conditions upload.

Reviewer Comment (2021-02-21): Received 2 years W-2's.

Cleared

02/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329305

19835860

02/08/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-25): xxxx did not sign as individual, just as trustee. Buyer Comment (2021-02-23): Signature on note due to non-borrower being part of the Trust for this file.

Reviewer Comment (2021-02-25): xxxx did not sign as individual, just as trustee.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329305

19843092

02/08/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 63.38227% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)

Reviewer Comment (2021-03-02): EOY 2020 and 2019 Paystubs provided with xxxx income reflected as well as YTD Pay reflected on Work Number input. Seller Comment (2021-03-01): uploaded docs with the documenation you already have (tax returns+income) confirm that xxxx was most conservative calcs. All should tie together to confirm we are ok. Reviewer Comment (2021-02-21): Received pay stubs dated xxxx.  Missing evidence of receiving xxxx income for 2 years. Seller Comment (2021-02-19): Uploaded docs reflect xxxx income over 1 year, as well as 1040s to support the gain of xxxx over multiple years. Please waive.

Reviewer Comment (2021-03-02): EOY 2020 and 2019 Paystubs provided with xxxx income reflected as well as YTD Pay reflected on Work Number input. Reviewer Comment (2021-02-21): Received pay stubs dated xxxx.  Missing evidence of receiving xxxx income for 2 years.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329305

19843093

02/08/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-03-02): EOY 2020 and 2019 Paystubs provided with xxxx income reflected as well as YTD Pay reflected on Work Number input.

Reviewer Comment (2021-03-02): EOY 2020 and 2019 Paystubs provided with xxxx income reflected as well as YTD Pay reflected on Work Number input.

Cleared

03/02/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302329305

19843094

02/08/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-03-02): EOY 2020 and 2019 Paystubs provided with xxxx income reflected as well as YTD Pay reflected on Work Number input.

Reviewer Comment (2021-03-02): EOY 2020 and 2019 Paystubs provided with xxxx income reflected as well as YTD Pay reflected on Work Number input.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329305

19843110

02/08/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 63.38227% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-03-03): EOY 2020 and 2019 Paystubs provided with xxxx income reflected as well as YTD Pay reflected on Work Number input. Buyer Comment (2021-03-02): All other income conditions that requested same information cleared, please clear this condition based on the accepted document of the other 3-4 conditions that match this one.

Reviewer Comment (2021-03-03): EOY 2020 and 2019 Paystubs provided with xxxx income reflected as well as YTD Pay reflected on Work Number input.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329305

19843119

02/08/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-03-02): EOY 2020 and 2019 Paystubs provided with xxxx income reflected as well as YTD Pay reflected on Work Number input.

Reviewer Comment (2021-03-02): EOY 2020 and 2019 Paystubs provided with xxxx income reflected as well as YTD Pay reflected on Work Number input.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330678

19795500

02/05/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-18): Provided 2017 Tax Returns Seller Comment (2021-02-17): full 2017 return. If tied together with signature page will reflect full documentation requested. Reviewer Comment (2021-02-16): Only 2017 signature page provided.  Need full return. Seller Comment (2021-02-15): 3 years included, documents uploaded reflect 2019/2018 with docusign pages, and then additionally 2017 after that with docusign pages.

Reviewer Comment (2021-02-18): Provided 2017 Tax Returns Reviewer Comment (2021-02-16): Only 2017 signature page provided.  Need full return.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330678

19795501

02/05/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-18): Provided 2017 Tax Returns

Reviewer Comment (2021-02-18): Provided 2017 Tax Returns

Cleared

02/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302329292

19690282

01/28/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-05): Received RCE.  Coverage is sufficient. Seller Comment (2021-02-03): Replacement Cost Estimator

Reviewer Comment (2021-02-05): Received RCE.  Coverage is sufficient.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329388

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302330589

19801031

02/06/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $450.00 exceeds tolerance of $400.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302331113

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302335500

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302332708

19871689

02/10/2021

Property

Appraisal Documentation

Loan is to be securitized.   Drive by (exterior only) appraisal was provided in lieu of full appraisal.  (GSE COVID19)

Application Date:  xxxx; Closing Date:  xxxx

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302332708

19967591

02/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $695.00 exceeds tolerance of $375.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302331112

19784796

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302338137

19794551

02/05/2021

Credit

Income Documentation

REO Documents are missing.

Reviewer Comment (2021-02-12): Received 2019 returns with no Schedule E. Seller Comment (2021-02-11): 2019 1040

Reviewer Comment (2021-02-12): Received 2019 returns with no Schedule E.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338137

19795995

02/05/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2019)

Reviewer Comment (2021-02-12): Received 2019 tax returns. Seller Comment (2021-02-11): 2019 1040

Reviewer Comment (2021-02-12): Received 2019 tax returns.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302373590

No Finding

Loan Completed Without Finding

Review Complete

03/04/2021

1

1

302331371

19733027

02/01/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,860.96  is less than amount of binding Lender Credit previously disclosed in the amount of $-4,876.00. (9300)

Reviewer Comment (2021-02-10): Lender cured on the final CD with a $15.20 tolerance cure credit.

Reviewer Comment (2021-02-10): Lender cured on the final CD with a $15.20 tolerance cure credit.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331371

19733028

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $750.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302332684

19955203

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7563)

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302332736

No Finding

Loan Completed Without Finding

Review Complete

02/11/2021

1

1

302367061

20003973

02/23/2021

Compliance

Miscellaneous Compliance

Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD.

Date Issued: xxxx Title - Notary Fee

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302367061

20004539

02/23/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee.  Fee Amount of $31.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7571)

Reviewer Comment (2021-02-23): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-23): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302332706

19788089

02/05/2021

Compliance

Closing / Title

Missing Document: Note - Subject Lien not provided

Reviewer Comment (2021-02-18): Provided executed Note for subject loan transaction. xxxx Seller Comment (2021-02-17): Copy of note appears to have already been in file. Attached again for review.

Reviewer Comment (2021-02-18): Provided executed Note for subject loan transaction. xxxx

Cleared

02/18/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302332706

19788146

02/05/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification

Reviewer Comment (2021-02-18): Provided the Flood Insurance for REO Property,xxxx Seller Comment (2021-02-17): This condition is invalid. The liability docs for xxxx were already submitted in file and provided for review. I've attached them again for review.

Reviewer Comment (2021-02-18): Provided the Flood Insurance for REO Property,xxxx

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332771

19909236

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302332735

19791833

02/05/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,050.21 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-15): Received evidence of additional taxes. Seller Comment (2021-02-11): Tax Sheet shows supplemental tax of $2102.20 per year/12=$175.18 which is the Other calc.

Reviewer Comment (2021-02-15): Received evidence of additional taxes.

Cleared

02/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302387170

19799357

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $400.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302338136

No Finding

Loan Completed Without Finding

Review Complete

02/12/2021

1

1

302372194

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302337334

19875110

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $795.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302337334

19968509

02/22/2021

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Reviewer Comment (2021-03-03): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property. Seller Comment (2021-03-02): PDI

Reviewer Comment (2021-03-03): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property.

Property inspected post disaster but pre-FEMA declaration of disaster end date.

Waived

N

3

2

C

B

B

B

C

B

C

B

C

B

302332703

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302332680

19780148

02/04/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Balance Sheet, P&L Statement

Reviewer Comment (2021-02-11): K-1 less than 25% P&L and balance sheet not required. Buyer Comment (2021-02-09): Please clarify for which business you are requesting a balance sheet and P&L statement for. The xxxx is a trust and not a business.

Reviewer Comment (2021-02-11): K-1 less than 25% P&L and balance sheet not required.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332680

19784910

02/04/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-11): Received LOX with breakdown of income. Seller Comment (2021-02-09): Please see attached.

Reviewer Comment (2021-02-11): Received LOX with breakdown of income.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332767

No Finding

Loan Completed Without Finding

Review Complete

02/12/2021

1

1

302371027

No Finding

Loan Completed Without Finding

Review Complete

02/12/2021

1

1

302332765

19806757

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302332734

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302332764

20028119

02/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $450.00 exceeds tolerance of $350.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-25): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-25): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302332763

19902359

02/13/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $79,194.82 is less than Cash From Borrower $213,381.55.

Reviewer Comment (2021-03-04): CD from the refinance of the xxxx property was provided with the loan proceeds. Seller Comment (2021-03-03): Please see enclosed the CD from the refinance of the property detailing the new PITI and net proceeds.

Reviewer Comment (2021-03-04): CD from the refinance of the xxxx property was provided with the loan proceeds.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332763

19902362

02/13/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-13): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-13): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302332763

19902366

02/13/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-03-04): CD from the refinance of the xxxx property was provided with the loan proceeds. Seller Comment (2021-03-03): Please see enclosed the CD from the refinance of the property detailing the new PITI and net proceeds.

Reviewer Comment (2021-03-04): CD from the refinance of the xxxx property was provided with the loan proceeds.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302356625

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302335481

19808573

02/08/2021

Credit

Income Documentation

Income documentation requirements not met.

Reviewer Comment (2021-02-12): Provided updated VVOE within 10 days of Closing Date. xxxx Seller Comment (2021-02-11): voe

Reviewer Comment (2021-02-12): Provided updated VVOE within 10 days of Closing Date. xxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302337330

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302388330

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302335480

No Finding

Loan Completed Without Finding

Review Complete

02/25/2021

1

1

302337265

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302337296

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302335625

19914520

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $450.00 exceeds tolerance of $350.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302369383

19707828

01/29/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 4,983.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-09): Received PCCD issued 2/5/2021 correcting the property costs year 1 and a LOX. Seller Comment (2021-02-05): see attached.

Reviewer Comment (2021-02-09): Received PCCD issued 2/5/2021 correcting the property costs year 1 and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302335649

19845068

02/09/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-24): Provided fraud report Seller Comment (2021-02-23): was misfiled

Reviewer Comment (2021-02-24): Provided fraud report

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335649

19845595

02/09/2021

Compliance

State Compliance

Illinois SB 1894

IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.

Reviewer Comment (2021-02-24): Provided IL disclosure Seller Comment (2021-02-23): pred cert in file was mislabeled, attached here

Reviewer Comment (2021-02-24): Provided IL disclosure

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336603

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302338269

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302337327

19794278

02/05/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302394074

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302337264

19797560

02/05/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-02-19): Provided the VVOE.   xxxx Seller Comment (2021-02-19): see attached Reviewer Comment (2021-02-18): The guidelines require a Verbal VOE no earlier than 10 business days prior to Note date.  Please provide the VVOE prior to Note date as required. Exception Remains. Seller Comment (2021-02-17): see attached Reviewer Comment (2021-02-16): Received VOE for xxxx.  Missing updated VOE for xxxx. Seller Comment (2021-02-15): see attached

Reviewer Comment (2021-02-19): Provided the VVOE.   xxxx Reviewer Comment (2021-02-18): The guidelines require a Verbal VOE no earlier than 10 business days prior to Note date.  Please provide the VVOE prior to Note date as required. Exception Remains. Reviewer Comment (2021-02-16): Received VOE for xxxx.  Missing updated VOE for xxxx.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338240

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302337293

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302370945

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302338238

19782096

02/04/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx 1040 (2018) 1040 (2018), VVOE - Employment Only

Reviewer Comment (2021-03-02): Lender provided satisfactory signed and dated 2018 1040. Buyer Comment (2021-03-01): The provided tax transcripts verify the income figures for 2018. The three pages of the 2018 returns provided verify all figures shown on the tax transcripts and vice versa. Reviewer Comment (2021-02-18): Received transcripts.  Please provide signed and dated 2018 personal tax returns. Seller Comment (2021-02-17): 2018 transcripts attached. Reviewer Comment (2021-02-13): VOE in file as within 10 days.  Received only the 1st 3 pages of the 2018 tax returns.  Please provide complete returns with all schedules. Seller Comment (2021-02-12): Borrowers filed jointly. Tax docs and VOE already provided, attached.

Reviewer Comment (2021-03-02): Lender provided satisfactory signed and dated 2018 1040. Reviewer Comment (2021-02-18): Received transcripts.  Please provide signed and dated 2018 personal tax returns. Reviewer Comment (2021-02-13): VOE in file as within 10 days.  Received only the 1st 3 pages of the 2018 tax returns.  Please provide complete returns with all schedules.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338238

19782131

02/04/2021

Credit

Income Documentation

Income documentation requirements not met.

Reviewer Comment (2021-03-02): Lender provided signed and dated 2018 tax returns. Buyer Comment (2021-03-01): The provided tax transcripts verify the income figures for 2018. The three pages of the 2018 returns provided verify all figures shown on the tax transcripts and vice versa. Reviewer Comment (2021-02-13): VOE in file as within 10 days.  Received only the 1st 3 pages of the 2018 tax returns.  Please provide complete returns with all schedules. Seller Comment (2021-02-12): Borrowers filed jointly. Tax docs and VOE already provided, attached.

Reviewer Comment (2021-03-02): Lender provided signed and dated 2018 tax returns. Reviewer Comment (2021-02-13): VOE in file as within 10 days.  Received only the 1st 3 pages of the 2018 tax returns.  Please provide complete returns with all schedules.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338265

19979573

02/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302338235

19968816

02/22/2021

Property

Appraisal Documentation

Loan is to be securitized.   Drive by (exterior only) appraisal was provided in lieu of full appraisal.  (GSE COVID19)

Application Date:  xxxx; Closing Date:  xxxx

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302356460

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302356459

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302338234

19706011

01/29/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Tax Verification

Reviewer Comment (2021-02-08): Received tax cert. Seller Comment (2021-02-05): Tax info sheet

Reviewer Comment (2021-02-08): Received tax cert.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338234

19732620

02/01/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-11): 3 years returns provided. Seller Comment (2021-02-09): UW LOX

Reviewer Comment (2021-02-11): 3 years returns provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338234

19732621

02/01/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-11): 3 years returns provided. Buyer Comment (2021-02-09): See other condition for LOX

Reviewer Comment (2021-02-11): 3 years returns provided.

Cleared

02/11/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302338234

19732679

02/01/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Homeowners Insurance Included In Escrow

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/xxxx)

Reviewer Comment (2021-02-18): xxxx received PCCD and LOE; exception is cured. Buyer Comment (2021-02-15): You can see the PCCD was attached to the email sent to borrower explaining corrections. Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting corrected figures and a LOX.  Missing evidence of delivery. Seller Comment (2021-02-11): PCCD and LOX

Reviewer Comment (2021-02-18): xxxx received PCCD and LOE; exception is cured. Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting corrected figures and a LOX.  Missing evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302338234

19732681

02/01/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Property Taxes Included In Escrow

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx incorrectly disclosed whether property taxes are included in escrow. (Final/xxxx)

Reviewer Comment (2021-02-18): xxxx received PCCD and LOE; exception is cured. Buyer Comment (2021-02-15): You can see the PCCD was attached to the email sent to borrower explaining corrections. Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting corrected figures and a LOX.  Missing evidence of delivery. Buyer Comment (2021-02-11): See previous condition for PCCD and LOX

Reviewer Comment (2021-02-18): xxxx received PCCD and LOE; exception is cured. Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting corrected figures and a LOX.  Missing evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302338234

19732682

02/01/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose Estimated Property Costs over Year 1. (Final/xxxx)

Reviewer Comment (2021-02-18): xxxx received PCCD and LOE; exception is cured. Seller Comment (2021-02-15): PCCD and LOX Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting an incorrect monthly real estate taxes.  The lender used $649/month for taxes; calculated amount is $647.84 taken from the tax cert. Buyer Comment (2021-02-11): See previous condition for PCCD and LOX

Reviewer Comment (2021-02-18): xxxx received PCCD and LOE; exception is cured. Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting an incorrect monthly real estate taxes.  The lender used $649/month for taxes; calculated amount is $647.84 taken from the tax cert.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302338234

19732695

02/01/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final/xxxx)

Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting corrected figures and a LOX. Buyer Comment (2021-02-11): See previous condition for PCCD and LOX

Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting corrected figures and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302338234

19732696

02/01/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting a reason for no escrows and a LOX. Buyer Comment (2021-02-11): See previous condition for PCCD and LOX

Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting a reason for no escrows and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302338232

19793260

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Insurance Certificate Fee.  Fee Amount of $45.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7543)

Reviewer Comment (2021-02-16): Zero Percent Fee Tolerance exceeded for Insurance Certificate Fee. Fee Amount of $45.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower Seller Comment (2021-02-12): Please see attached.

Reviewer Comment (2021-02-16): Zero Percent Fee Tolerance exceeded for Insurance Certificate Fee. Fee Amount of $45.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338232

19910304

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Insurance Certificate Fee.  Fee Amount of $45.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (7543)

Reviewer Comment (2021-02-16): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

302338230

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302365586

19795659

02/05/2021

Credit

Insurance Documentation

Hazard Insurance Error: Subject city is missing from evidence of insurance.

Reviewer Comment (2021-02-19): Provided full executed Hazard Insurance Binder for subject property. xxxx Seller Comment (2021-02-19): Evidence of Insurance

Reviewer Comment (2021-02-19): Provided full executed Hazard Insurance Binder for subject property. xxxx

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365586

19797348

02/05/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1084 or income worksheet

Reviewer Comment (2021-02-19): Provided UW Income Calculation.xxxx Seller Comment (2021-02-18): Income Calculation Reviewer Comment (2021-02-17): The Income worksheet provided onxxxx does not supply that calculation method of Wages or Capital Gain loss.  Please provide the Income worksheet with actual breakdown of calculations and methods used.  Exception remains. Seller Comment (2021-02-16): Income Calc Worskheet

Reviewer Comment (2021-02-19): Provided UW Income Calculation.xxxx Reviewer Comment (2021-02-17): The Income worksheet provided onxxxx does not supply that calculation method of Wages or Capital Gain loss.  Please provide the Income worksheet with actual breakdown of calculations and methods used.  Exception remains.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302356710

19799722

02/05/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting a reason for no escrows and  LOX. Seller Comment (2021-02-11): PCCD, LOX

Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting a reason for no escrows and  LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302356710

19799723

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $110.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302371060

No Finding

Loan Completed Without Finding

Review Complete

02/25/2021

1

1

302332768

19726709

01/31/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-12): Received RCE.  Coverage is sufficient. Seller Comment (2021-02-10): RCE from insurance company

Reviewer Comment (2021-02-12): Received RCE.  Coverage is sufficient.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365580

19914170

02/16/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification

Reviewer Comment (2021-03-04): Received evidence of the HOA payment. Seller Comment (2021-03-03): REO Docs

Reviewer Comment (2021-03-04): Received evidence of the HOA payment.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372411

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302369352

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302372336

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302372092

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302371057

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302371052

19783555

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $350.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302371052

19783556

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $350.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302373586

19915110

02/16/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302372382

19880428

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,050.00 exceeds tolerance of $1,045.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302372382

19880475

02/10/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-03-02): Lender provided updated title commitment. Seller Comment (2021-03-01): Please see attached.

Reviewer Comment (2021-03-02): Lender provided updated title commitment.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388844

19847922

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $575.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302388876

19887817

02/11/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-03-01): Received gap letter. Seller Comment (2021-02-26): LOE for Gap in Employment

Reviewer Comment (2021-03-01): Received gap letter.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388876

19887822

02/11/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-01): Received gap letter.

Reviewer Comment (2021-03-01): Received gap letter.

Cleared

03/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302391362

No Finding

Loan Completed Without Finding

Review Complete

02/25/2021

1

1

302391303

19932353

02/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $375.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-17): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-17): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302391303

19932354

02/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $375.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-17): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-17): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302392708

19883184

02/11/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification

Reviewer Comment (2021-03-01): Verification of HOA fees provided. Seller Comment (2021-02-26): Page 3 of purchase Contract reflects HOA fees on line 130.

Reviewer Comment (2021-03-01): Verification of HOA fees provided.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393973

20015255

02/24/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $625.00 exceeds tolerance of $565.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-24): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-24): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302398753

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302391418

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302394071

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302392736

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302392734

20017071

02/24/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302392734

20077333

03/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $450.00 exceeds tolerance of $350.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-03-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302393971

19938688

02/17/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-03): Received updated VOE. Seller Comment (2021-03-02): VOE

Reviewer Comment (2021-03-03): Received updated VOE.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302409387

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302394694

19929115

02/16/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-03-04): Received master policy with all in coverage. Seller Comment (2021-03-03): On the Certificate of Property Insurance, it indicates in the location of premises coverage that all IN/WALLS in policy includes Betterments and improvements to units replacement cost up to building limit.

Reviewer Comment (2021-03-04): Received master policy with all in coverage.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302394694

19929121

02/16/2021

Credit

Closing / Title

Missing Document: Rider - Condo not provided

Reviewer Comment (2021-03-04): Received condo rider. Seller Comment (2021-03-03): Condo Rider Attached

Reviewer Comment (2021-03-04): Received condo rider.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302394694

19929202

02/16/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 11,462.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-04): Received evidence of walls in coverage for master HOA policy.  Unit policy is optional. Seller Comment (2021-03-04): The master policy coverage includes "walls in".  See the certificate of Property Insurance location of premises/description of property section attached.

Reviewer Comment (2021-03-04): Received evidence of walls in coverage for master HOA policy.  Unit policy is optional.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302400054

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302401352

19914264

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302401971

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302407340

19996140

02/23/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-23): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-23): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302408086

20011341

02/24/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-03-04): Received evidence of additional insurance. Seller Comment (2021-03-03): I have uploaded the HOI and the HOA which combines coverage at $1100400 which is more than the loan amount and it is enough coverage.

Reviewer Comment (2021-03-04): Received evidence of additional insurance.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408086

20049012

03/01/2021

Property

Appraisal Documentation

Loan is to be securitized.   Drive by (exterior only) appraisal was provided in lieu of full appraisal.  (GSE COVID19)

Application Date:  xxxx; Closing Date:  xxxx

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302408086

20076420

03/02/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-03-04): Received rental history. Seller Comment (2021-03-03): Rent history

Reviewer Comment (2021-03-04): Received rental history.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408736

20019769

02/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-25): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-25): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302408736

20019770

02/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $175.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-25): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-25): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302184694

19394612

xxxx  4:27:57 PM

Credit

General

Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.

Reviewer Comment (2021-01-25): Taxpayer Consent was provided. Buyer Comment (2021-01-25): Tax consent uploaded

Reviewer Comment (2021-01-25): Taxpayer Consent was provided.

Cleared

01/25/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302184694

19394729

xxxx  4:40:18 PM

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $152,172.03 is less than Cash From Borrower $152,341.49.

Reviewer Comment (2021-02-03): Cash to close verified and sufficient. Buyer Comment (2021-02-01): Uploaded LOE & Post Close CD Reviewer Comment (2021-01-25): We calculated the gross assets as $172,660.53; however,  for the retirement accounts, due to lack of liquidation documentation we excluded these from cash to close but used them to meet the 6 month reserve requirements. When omitting the retirement accounts cash to close of $xxxx - $xxxx - $xxxx = $xxxx available . Per final CD the required cash to close was $xxxx ($xxxx  - loan amount $xxxxx = $xxxx) versus calculated net cash of $xxxx. Note: we tested for 6 months reserves and the retirements accounts  of $20,335.80 were equal to 6.05 months Buyer Comment (2021-01-25): Please advise what you show as the shortage amount?, Your numbers listed on the exception  are completely different than what the :LAS report reflects. Therefore I  cant discern what  the shortage is. LAS report reflects $172,660.53 in verified assets. Closing $92,441.49. Reserves should reflect $80,219.04  however the LAS report reflects $20,488.50. Where is the $59,730.54? Reserves required should reflect subject $xxxx x 6 =$20,335.80 , Additional REO $1876 x 6= #$11,256. Total required reserves for all REO $xxxxx.

Reviewer Comment (2021-02-03): Cash to close verified and sufficient. Reviewer Comment (2021-01-25): We calculated the gross assets as $172,660.53; however,  for the retirement accounts, due to lack of liquidation documentation we excluded these from cash to close but used them to meet the 6 month reserve requirements. When omitting the retirement accounts cash to close of $xxxx - $xxxx - $xxxx = $xxxx available . Per final CD the required cash to close was $xxxx ($xxxx  - loan amount $xxxx = $xxxx) versus calculated net cash of $xxxx. Note: we tested for 6 months reserves and the retirements accounts  of $20,335.80 were equal to 6.05 months

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302184694

19394806

xxxx  4:49:07 PM

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-19): Additional prior employment verified. Buyer Comment (2021-02-18): VVOE for xxxx Reviewer Comment (2021-02-03): Borrower meets 2 year requirement.  Co-borrower earliest start date verified isxxxxo does not meet. Buyer Comment (2021-02-01): Uploaded VOE page 5 of 6 reflects 24 mos history w/ current employer xxxx as reflected on final 1003. Reviewer Comment (2021-01-25): VOE provided reflects employer as xxxx but has a start date of xxxxnd mirrors the VOE for current job with xxxx. The exception is for lack of 2-year employment history. Previous employment history at xxxx was provided at time of review and WVOE reflected start date of xxxx Buyer Comment (2021-01-25): VOE uploaded

Reviewer Comment (2021-02-19): Additional prior employment verified. Reviewer Comment (2021-02-03): Borrower meets 2 year requirement.  Co-borrower earliest start date verified isxxxxo does not meet. Reviewer Comment (2021-01-25): VOE provided reflects employer as xxxx but has a start date of xxxxnd mirrors the VOE for current job with xxxx. The exception is for lack of 2-year employment history. Previous employment history at xxxx was provided at time of review and WVOE reflected start date of xxxx

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302184694

19394807

xxxx  4:49:07 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-19): Additional prior employment verified. Reviewer Comment (2021-02-03): Borrower meets 2 year requirement.  Co-borrower earliest start date verified isxxxxo does not meet. Buyer Comment (2021-02-01): Uploaded VOE page 5 of 6 reflects 24 mos history w/ current employer CVS as reflected on final 1003. Reviewer Comment (2021-01-25): VOE provided reflects employer as IHRC but has a start date of xxxxnd mirrors the VOE for current job with xxxx. The exception is for lack of 2-year employment history. Previous employment history at xxxx was provided at time of review and WVOE reflected start date of xxxx Buyer Comment (2021-01-25): VOE uploaded

Reviewer Comment (2021-02-19): Additional prior employment verified. Reviewer Comment (2021-02-03): Borrower meets 2 year requirement.  Co-borrower earliest start date verified isxxxxo does not meet. Reviewer Comment (2021-01-25): VOE provided reflects employer as IHRC but has a start date of xxxxnd mirrors the VOE for current job with xxxx. The exception is for lack of 2-year employment history. Previous employment history at xxxx was provided at time of review and WVOE reflected start date of xxxx

Cleared

02/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302184694

19394809

xxxx  4:49:07 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $660.00 exceeds tolerance of $450.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-02): A cure was provided at closing. Buyer Comment (2021-01-27): per lender: This is included in the tolerance cure section J of the CD.

Reviewer Comment (2021-02-02): A cure was provided at closing.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302184694

19394810

xxxx  4:49:07 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $46.70 exceeds tolerance of $45.00.  Insufficient or no cure was provided to the borrower. (7520)

Reviewer Comment (2021-02-02): A cure was provided at closing. Buyer Comment (2021-01-27): per lender:included in cure.

Reviewer Comment (2021-02-02): A cure was provided at closing.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302184694

19394812

xxxx  4:49:07 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $2,380.00 exceeds tolerance of $1,451.00.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2021-02-02): A cure was provided at closing. Buyer Comment (2021-01-27): per lender:included in cure.

Reviewer Comment (2021-02-02): A cure was provided at closing.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302184694

19394866

xxxx  4:54:25 PM

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-21): Sufficient prior employment history documented. Buyer Comment (2021-02-19): How does a start date ofxxxxot meet a 2 year requirement, please be more specific. Reviewer Comment (2021-02-03): Borrower meets 2 year requirement.  Co-borrower earliest start date verified isxxxxo does not meet. Buyer Comment (2021-02-01): Uploaded VOE page 5 of 6 reflects 24 mos history w/ current employer CVS as reflected on final 1003.

Reviewer Comment (2021-02-21): Sufficient prior employment history documented. Reviewer Comment (2021-02-03): Borrower meets 2 year requirement.  Co-borrower earliest start date verified isxxxxo does not meet.

Cleared

02/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302184694

19739417

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $660.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302184694

19739418

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $46.70 exceeds tolerance of $45.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302184694

19739419

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $2,380.00 exceeds tolerance of $1,451.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302184694

19956607

02/19/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-25): Exception acknowledged.  Significant residual income on same employer for 6 years as comp factors. Buyer Comment (2021-02-24): Please waive with comp factors; Residual income, $xxxx, borrower employed with current employer 6 years.

Reviewer Comment (2021-02-25): Exception acknowledged.  Significant residual income on same employer for 6 years as comp factors.

Waived

N

2

2

B

B

B

B

B

302278911

19929391

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302325064

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302334906

19867704

02/10/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-03-03): Earlier electronic delivery documented. Seller Comment (2021-02-25): LOE

Reviewer Comment (2021-03-03): Earlier electronic delivery documented.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274668

19989876

02/23/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,352.45 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-11):xxxx:  Lender calculated using 11 months.  Exception has been cleared. Seller Comment (2021-03-08): LOE

Reviewer Comment (2021-03-11):xxxx:  Lender calculated using 11 months.  Exception has been cleared.

Cleared

03/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302423519

20111860

03/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-03-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302396605

20119986

03/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-03-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302408228

20154948

03/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-03-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302278907

19943657

02/18/2021

Compliance

State Compliance

Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided)

Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.

Reviewer Comment (2021-03-04): Received the Colorado 1st Lien Refinance Notice. Seller Comment (2021-03-03): Colorado refinance notice

Reviewer Comment (2021-03-04): Received the Colorado 1st Lien Refinance Notice.

Cleared

03/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302288897

19971391

02/22/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xxxx)

Reviewer Comment (2021-03-15):xxxx:  Received the Initial LE.  Exception has been cleared. Seller Comment (2021-03-12): xxxx LE Reviewer Comment (2021-03-09): The 11/18 LE provided in trailing documents matches the 11/18 LE in the loan file.  Application date is xxxx.  The LE was not provided within 3 days of application. Seller Comment (2021-03-03): LE

Reviewer Comment (2021-03-15):xxxx:  Received the Initial LE.  Exception has been cleared. Reviewer Comment (2021-03-09): The 11/18 LE provided in trailing documents matches the 11/18 LE in the loan file.  Application date is xxxx.  The LE was not provided within 3 days of application.

Cleared

03/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288897

19971403

02/22/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-03-09): xxxx received initial closing disclosure, exception cleared.. Seller Comment (2021-03-03): CD

Reviewer Comment (2021-03-09): xxxx received initial closing disclosure, exception cleared..

Cleared

03/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288897

19971433

02/22/2021

Compliance

Federal Compliance

TRID Appraisal Disclosure - ECOA Timing

ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.

Reviewer Comment (2021-03-15):xxxx:  Received the Initial LE.  Exception has been cleared. Reviewer Comment (2021-03-09): The 11/18 LE provided in trailing documents matches the 11/18 LE in the loan file.  Application date is xxxx.  The LE was not provided within 3 days of application. Seller Comment (2021-03-03): Appraisal disclosure

Reviewer Comment (2021-03-15):xxxx:  Received the Initial LE.  Exception has been cleared. Reviewer Comment (2021-03-09): The 11/18 LE provided in trailing documents matches the 11/18 LE in the loan file.  Application date is xxxx.  The LE was not provided within 3 days of application.

Cleared

03/15/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302331175

19880315

02/10/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-02-16): Electronic delivery documented. Seller Comment (2021-02-16): Uploaded verification of appraisal delivery

Reviewer Comment (2021-02-16): Electronic delivery documented.

Cleared

02/16/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302332752

20015508

02/24/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-24): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-24): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302410499

20157949

03/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-03-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302412219

20122438

03/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-03-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302412219

20122484

03/05/2021

Compliance

Federal Compliance

TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date

Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Reviewer Comment (2021-03-25): Disbursement date was entered incorrectly, also the date when borrower signed the final CD was blank. Seller Comment (2021-03-24): Please look into the following post purchase exception I received for the above-captioned loan.  I believe this exception should be waived.  The borrower signed the closing docs on xxxx.  A post consummation CD was provided in the closing package uploaded to xxxx correcting the disbursement date and the Notice of Right to Cancel was corrected at the closing table.  The exception is stating the loan is not eligible to disburse untilxxxx This is incorrect.  The loan disbursed correctly onxxxx Please advise.  Thank you.

Reviewer Comment (2021-03-25): Disbursement date was entered incorrectly, also the date when borrower signed the final CD was blank.

Cleared

03/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288124

19782110

02/04/2021

Credit

Credit Documentation

Aged document: Credit Report  is more than 90 days prior to the note date.

Credit Report: Original // Borrower: xxxxx

Reviewer Comment (2021-02-11): Within 120 days. Seller Comment (2021-02-09): Credit report only needs to be within 120 days of the Note date.  Report in file is only 95 days.  Please clear condition.

Reviewer Comment (2021-02-11): Within 120 days.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288124

19782115

02/04/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Tax Verification

Reviewer Comment (2021-02-11): REO expense verifications provided. Seller Comment (2021-02-09): REO Docs for xxxx attached

Reviewer Comment (2021-02-11): REO expense verifications provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288124

19785897

02/04/2021

Credit

General

Missing Document: Cancelled Check(s) not provided

Reviewer Comment (2021-02-11): EMD transferred in multiple wire transactions.  Documentation provided. Seller Comment (2021-02-09): Invoices and bank statements of Earnest Money Deposit attached.

Reviewer Comment (2021-02-11): EMD transferred in multiple wire transactions.  Documentation provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288124

19785931

02/04/2021

Credit

Application / Processing

Missing Document: Tax Certificate not provided

Reviewer Comment (2021-03-09): Tax Cert, Updated 1008 and 1003 provided. Seller Comment (2021-03-08): Tax Cert with updated docs to match correct property tax amount attached.

Reviewer Comment (2021-03-09): Tax Cert, Updated 1008 and 1003 provided.

Cleared

03/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327913

19938724

02/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $740.96 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-03-03): xxxx received 12/02 LE and VCC. Seller Comment (2021-02-24): Please see attached LE and COC dated 12/2

Reviewer Comment (2021-03-03): xxxx received 12/02 LE and VCC.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327913

19938837

02/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $815.10 exceeds tolerance of $814.00.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2021-03-03): A cure was provided at close. Seller Comment (2021-02-24): See attached final CD that had cure in Section J on page 2

Reviewer Comment (2021-03-03): A cure was provided at close.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302327913

19938853

02/17/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $510.00 exceeds tolerance of $430.00 plus 10% or $473.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-03-03): A cure was provided at close. Seller Comment (2021-02-24): See attached final CD with cure in Section J on page 2

Reviewer Comment (2021-03-03): A cure was provided at close.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302327913

20094184

03/03/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $510.00 exceeds tolerance of $430.00 plus 10% or $473.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-03-03): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-03): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302327913

20094185

03/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $815.10 exceeds tolerance of $814.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-03-03): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-03): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302372927

19784553

02/04/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-11): xxxx received disclosure tracking indicating the initial CD was received the same day issued. Seller Comment (2021-02-08): copy of tracking and CD

Reviewer Comment (2021-02-11): xxxx received disclosure tracking indicating the initial CD was received the same day issued.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372927

19784624

02/04/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-03-25): Client acknowledged based on borrower's credit history and reserve profile.

Reviewer Comment (2021-03-25): Client acknowledged based on borrower's credit history and reserve profile.

The qualifying DTI on the loan is at least 10% less than the guideline maximum. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has owned the subject property for at least 5 years. Borrower has been employed in the same industry for more than 5 years. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by at least 40 points.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302248419

19741648

02/02/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-08): Inspection dated 2/4/21 indicates no damage. Seller Comment (2021-02-05): PDI

Reviewer Comment (2021-02-08): Inspection dated 2/4/21 indicates no damage.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302248419

19741865

02/02/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-19): xxxx received 01/04 CD. Seller Comment (2021-02-16): Please see attached complete initial loan estimate and initial CD along with disclosure tracking. Please clear condition. Reviewer Comment (2021-02-15): Missing Initial CD sent to borrower and evidence of receipt. Final CD in file. Buyer Comment (2021-02-09): This is a purchase, there is no rescission on purchases so closing and disbursement can be the same day. Please waive invalid condition. Thank you.

Reviewer Comment (2021-02-19): xxxx received 01/04 CD. Reviewer Comment (2021-02-15): Missing Initial CD sent to borrower and evidence of receipt. Final CD in file.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302263969

19774896

02/03/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Individual Retirement Account (IRA) / Account Number: xxxx

Reviewer Comment (2021-03-16): Provided Additional month for IRA Seller Comment (2021-03-15): 2 months acct 2954

Reviewer Comment (2021-03-16): Provided Additional month for IRA

Cleared

03/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302275386

19771434

02/03/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-03-25): Received a xxxx AVM dated xxxx that provided a value with a -1.0916% variance from the appraised value, value supported.

Reviewer Comment (2021-03-25): Received a xxxx AVM dated xxxx that provided a value with a -1.0916% variance from the appraised value, value supported.

Cleared

03/25/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302278996

19775623

02/03/2021

Credit

General

Missing Document: HUD/CD (Asset) not provided

Reviewer Comment (2021-03-02): Received the seller CD to document the sale of the departing residence.

Reviewer Comment (2021-03-02): Received the seller CD to document the sale of the departing residence.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278996

19775764

02/03/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-03-02): Received the mortgage statement for the additional property.

Reviewer Comment (2021-03-02): Received the mortgage statement for the additional property.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315007

19784028

02/04/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-03-02): Received copy of the post disaster inspection showing no damage.

Reviewer Comment (2021-03-02): Received copy of the post disaster inspection showing no damage.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315007

19784088

02/04/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,505.00 exceeds tolerance of $1,670.00 plus 10% or $1,837.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302315007

19795937

02/05/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,505.00 exceeds tolerance of $1,670.00 plus 10% or $1,837.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-03-16): Lender cured on the PCCD dated xxxx by refunding the borrower $668.00. Received proof of refund, LOE, corrected CD, and proof of delivery.

Reviewer Comment (2021-03-16): Lender cured on the PCCD dated xxxx by refunding the borrower $668.00. Received proof of refund, LOE, corrected CD, and proof of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302315007

19795976

02/05/2021

Credit

Lien

Missing evidence of lien position on Other Financing.

Lien Position: 2

Reviewer Comment (2021-03-11): Endorsement provided and correspondence states the Lender will be in 1st position. Seller Comment (2021-03-10): Please see attached Endorsement and Confirmation from Title.

Reviewer Comment (2021-03-11): Endorsement provided and correspondence states the Lender will be in 1st position.

Cleared

03/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278995

19773255

02/03/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-17): Provided the Post Closing Disclosure with correct sign and disbursement dates.xxxx Seller Comment (2021-02-16): PCCD with LOE Reviewer Comment (2021-02-12): PCCD provided.  Please also provide LOE to borrower. Seller Comment (2021-02-11): PCCD

Reviewer Comment (2021-02-17): Provided the Post Closing Disclosure with correct sign and disbursement dates.xxxx Reviewer Comment (2021-02-12): PCCD provided.  Please also provide LOE to borrower.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302280899

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302286688

19848586

02/09/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-16): CDA provided with 0% variance. Seller Comment (2021-02-16): CDA

Reviewer Comment (2021-02-16): CDA provided with 0% variance.

Cleared

02/16/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302286687

19775990

02/03/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-02-11): Received final title with sufficient coverage.

Reviewer Comment (2021-02-11): Received final title with sufficient coverage.

Cleared

02/11/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302286687

19776006

02/03/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-11): Received final title with sufficient coverage. Seller Comment (2021-02-09): Updated Title Policy with correct policy amount attached.

Reviewer Comment (2021-02-11): Received final title with sufficient coverage.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286687

19776261

02/03/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,320.12 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-12): Rec'd PC CD and LOE to the borrower. Seller Comment (2021-03-09): LOE attached Reviewer Comment (2021-03-08): Received a post-closing CD dated xxxx and proof of delivery with the Estimated Property Costs over Year 1 corrected however, the Letter of Explanation required to cure this exception was not provided. Exception remains. Seller Comment (2021-03-03): Corrected Estimated Property Costs over Year 1 attached. Reviewer Comment (2021-02-16): Amount should be based on 10, 11 or 12 months at 990.51 a month Buyer Comment (2021-02-09): Invalid Condition.  The Estimated Property Costs over Year 1 total of $10,320.12 only includes property taxes which is why it does not match the 12 months of $990.51 on page one because that amount includes Homeowner's Insurance.  Monthly property taxes of $860.01 times 12 months equals $10,320.12.  The Monthly property taxes of $860.01 plus the monthly homeowner's insurance of  $130.50 equals $990.51.  Please clear.

Reviewer Comment (2021-03-12): Rec'd PC CD and LOE to the borrower. Reviewer Comment (2021-03-08): Received a post-closing CD dated xxxx and proof of delivery with the Estimated Property Costs over Year 1 corrected however, the Letter of Explanation required to cure this exception was not provided. Exception remains. Reviewer Comment (2021-02-16): Amount should be based on 10, 11 or 12 months at 990.51 a month

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302288119

19778681

02/04/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302290324

19783332

02/04/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-16): Received updated title commitment with correct loan amount. Seller Comment (2021-02-15): Please see attached Updated Title Report.

Reviewer Comment (2021-02-16): Received updated title commitment with correct loan amount.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290324

19791626

02/05/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $134.75 exceeds tolerance of $0.00 plus 10% or $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302290323

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302290319

19983619

02/23/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-03-25): Lender resubmitted file without coborrower's income and with rental property income. Reviewer Comment (2021-03-22): Still missing VVOE done within 10 days of closing. None of the attached contained that information. Seller Comment (2021-03-17): Attached

Reviewer Comment (2021-03-25): Lender resubmitted file without coborrower's income and with rental property income. Reviewer Comment (2021-03-22): Still missing VVOE done within 10 days of closing. None of the attached contained that information.

Cleared

03/25/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290319

19983683

02/23/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-25): Client acknowledged based on the borrower's credit history and reserve profile.

Reviewer Comment (2021-03-25): Client acknowledged based on the borrower's credit history and reserve profile.

The refinance has decreased the borrower's monthly debt payments by 20% or more. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by at least 40 points.

Open

N

3

2

C

B

C

B

C

B

C

B

C

B

302315004

19985623

02/23/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-6,156.12  is less than amount of binding Lender Credit previously disclosed in the amount of $-6,212.00. (9300)

Reviewer Comment (2021-03-11): Received a valid COC. Seller Comment (2021-03-09): See uploaded COC for reduced loan amount which decreased points/credit

Reviewer Comment (2021-03-11): Received a valid COC.

Cleared

03/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315004

19985625

02/23/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $288.00 plus 10% or $316.80.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-03-11): Tolerance cure on the Final CD. Seller Comment (2021-03-09): See uploaded final CD

Reviewer Comment (2021-03-11): Tolerance cure on the Final CD.

Cleared

03/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315004

19985626

02/23/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $975.00 exceeds tolerance of $700.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-03-11): Tolerance cure on the Final CD. Seller Comment (2021-03-09): See uploaded final CD

Reviewer Comment (2021-03-11): Tolerance cure on the Final CD.

Cleared

03/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315004

20192215

03/11/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $288.00 plus 10% or $316.80.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-03-11): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-11): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302315004

20192216

03/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $975.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-03-11): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-11): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302303905

19800407

02/06/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 43.04897% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-03-22): DTI is 42.74% including the borrower's bonus income which was documented in file.

Reviewer Comment (2021-03-22): DTI is 42.74% including the borrower's bonus income which was documented in file.

Cleared

03/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303905

19800420

02/06/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-03-22): DTI is 42.74% including the borrower's bonus income which was documented in file.

Reviewer Comment (2021-03-22): DTI is 42.74% including the borrower's bonus income which was documented in file.

Cleared

03/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303905

19800421

02/06/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.04897% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-03-22): DTI is 42.74% including the borrower's bonus income which was documented in file.

Reviewer Comment (2021-03-22): DTI is 42.74% including the borrower's bonus income which was documented in file.

Cleared

03/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303905

19800422

02/06/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-03-22): DTI is 42.74% including the borrower's bonus income which was documented in file.

Reviewer Comment (2021-03-22): DTI is 42.74% including the borrower's bonus income which was documented in file.

Cleared

03/22/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302303905

19800423

02/06/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-03-22): DTI is 42.74% including the borrower's bonus income which was documented in file.

Reviewer Comment (2021-03-22): DTI is 42.74% including the borrower's bonus income which was documented in file.

Cleared

03/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303905

19800437

02/06/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-03-09): Received documentation the initial LE was mailed 11.19.2020.

Reviewer Comment (2021-03-09): Received documentation the initial LE was mailed 11.19.2020.

Cleared

03/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305800

19795737

02/05/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-03-25): Client acknowledged based on the borrower's credit history and reserve profile. Reviewer Comment (2021-03-24): Received additional copies of the 2018 & 2019 Tax Returns. Borrower's 2018 & 2019 were not provided. Exception remains. Seller Comment (2021-03-23): Please see attached W-2's

Reviewer Comment (2021-03-25): Client acknowledged based on the borrower's credit history and reserve profile. Reviewer Comment (2021-03-24): Received additional copies of the 2018 & 2019 Tax Returns. Borrower's 2018 & 2019 were not provided. Exception remains.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by at least 40 points.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302305800

19795836

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $575.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302306392

19793416

02/05/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-26): PCCD provided and entered Seller Comment (2021-02-24): See attached PCCD and email to borrower

Reviewer Comment (2021-02-26): PCCD provided and entered

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306392

19848852

02/09/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-03-25): Received a xxxx AVM dated xxxx that provided a value with a 11.888% variance from the appraised value, value supported.

Reviewer Comment (2021-03-25): Received a xxxx AVM dated xxxx that provided a value with a 11.888% variance from the appraised value, value supported.

Cleared

03/25/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302315001

19782058

02/04/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $257,410.06 is less than Cash From Borrower $311,457.40.

Reviewer Comment (2021-03-24): Received account statements used for closing and updated balances accordingly. Seller Comment (2021-03-23): Please see attached copy of deposits, assets and reserves.

Reviewer Comment (2021-03-24): Received account statements used for closing and updated balances accordingly.

Cleared

03/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315001

19782073

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,250.00 exceeds tolerance of $850.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302315001

19782125

02/04/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 15.00.

Reviewer Comment (2021-03-24): Received account statements used for closing and updated balances accordingly. Seller Comment (2021-03-23): Please see attached copy of  assets and reserves (35 months)

Reviewer Comment (2021-03-24): Received account statements used for closing and updated balances accordingly.

Cleared

03/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314998

19783087

02/04/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclouse Amount of Non-Escrowed Property Costs over Year 1 (Final/xxxx)

Reviewer Comment (2021-02-24): xxxx received a PCCD correcting non escrowed property costs and LOE. Seller Comment (2021-02-18): PC CD Letter Reviewer Comment (2021-02-16): LOE provided is to "investor." Please provided LOE to borrower that accompanied the PCCD. Seller Comment (2021-02-15): LOE Reviewer Comment (2021-02-15): Received PCCD issuedxxxx correcting the non escrowed property costs year 1 but a LOE was not provided. Seller Comment (2021-02-11): updated CD

Reviewer Comment (2021-02-24): xxxx received a PCCD correcting non escrowed property costs and LOE. Reviewer Comment (2021-02-16): LOE provided is to "investor." Please provided LOE to borrower that accompanied the PCCD. Reviewer Comment (2021-02-15): Received PCCD issuedxxxx correcting the non escrowed property costs year 1 but a LOE was not provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302314996

19807459

02/08/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-827.00. (9300)

Reviewer Comment (2021-02-19): xxxx received 12/10 VCC. Seller Comment (2021-02-16): please see revised COC, no refund needed

Reviewer Comment (2021-02-19): xxxx received 12/10 VCC.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314996

19807460

02/08/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $475.00 exceeds tolerance of $405.00 plus 10% or $445.50.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-19): A cure was provided at closing. Seller Comment (2021-02-15): please see section J of CD we refunded borrower $29.50 which is the 10% tolerance for the increase in recording fees

Reviewer Comment (2021-02-19): A cure was provided at closing.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314996

19954030

02/19/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $475.00 exceeds tolerance of $405.00 plus 10% or $445.50.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302316429

19778616

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $875.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302316429

19778618

02/04/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-03-09): PCCD provided in trailing docs but not uploaded to acuity...used 1003 as doc for index. Seller Comment (2021-03-08): Incorrect Disbursement Date on the executed CD. See new PCCD with correct Disbursement Date of xxxx.

Reviewer Comment (2021-03-09): PCCD provided in trailing docs but not uploaded to acuity...used 1003 as doc for index.

Cleared

03/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316429

19799693

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire.  Fee Amount of $84.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75215)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302316429

19848787

02/09/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-03-25): Received a xxxx AVM dated xxxx that provided a value with a 6.8312% variance from the appraised value, value supported.

Reviewer Comment (2021-03-25): Received a xxxx AVM dated xxxx that provided a value with a 6.8312% variance from the appraised value, value supported.

Cleared

03/25/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302326606

19780027

02/04/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-03-25): Received a xxxx AVM dated xxxx that provided a value with a -7.4573% variance from the appraised value, value supported.

Reviewer Comment (2021-03-25): Received a xxxx AVM dated xxxx that provided a value with a -7.4573% variance from the appraised value, value supported.

Cleared

03/25/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302327084

19788202

02/05/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-03-02): Received copy of the legible appraisal.

Reviewer Comment (2021-03-02): Received copy of the legible appraisal.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327084

19788850

02/05/2021

Compliance

Miscellaneous Compliance

Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD.

Date Issued: xxxx Credit Report Fee

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302338177

19783424

02/04/2021

Credit

Application / Processing

Missing Document: Tax Certificate not provided

Reviewer Comment (2021-03-25): Received tax cert. Seller Comment (2021-03-23): Please see attached Tax Cert.

Reviewer Comment (2021-03-25): Received tax cert.

Cleared

03/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338177

19783792

02/04/2021

Credit

Title / Lien Defect

Final Title Policy is missing. No evidence of title in file.

Reviewer Comment (2021-03-25): Received preliminary title. Seller Comment (2021-03-23): Please see attached Title Policy.

Reviewer Comment (2021-03-25): Received preliminary title.

Cleared

03/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338177

19784168

02/04/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-03-25): Initial and PCCD provided and input Seller Comment (2021-03-23): Please see attached final PCCD. Closing date 1/5/21 and Disbursement date 1/8/21.

Reviewer Comment (2021-03-25): Initial and PCCD provided and input

Cleared

03/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338177

19784169

02/04/2021

Compliance

Federal Compliance

TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File

TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $6,540.36 may be required.

Reviewer Comment (2021-03-25): LE provided and input Seller Comment (2021-03-23): Please see attached Loan Estimates.

Reviewer Comment (2021-03-25): LE provided and input

Cleared

03/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338177

19795827

02/05/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-03-25): Recent Mortgage statements, Tax & Insurance Verification were provided and input Seller Comment (2021-03-23): Please see attached REO Documents for xxxx.

Reviewer Comment (2021-03-25): Recent Mortgage statements, Tax & Insurance Verification were provided and input

Cleared

03/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372063

19849253

02/09/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Mutual Funds / Account Number: xxxx

Reviewer Comment (2021-02-16): Client provided an updated statement for xxxx covering 10/31-11/27 - cleared exception Seller Comment (2021-02-13): Please see attached 2 months statements.

Reviewer Comment (2021-02-16): Client provided an updated statement for xxxx covering 10/31-11/27 - cleared exception

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372058

19797962

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302372916

19783557

02/04/2021

Credit

Credit Documentation

Missing Document: Credit Report not provided

Reviewer Comment (2021-03-08): Lender provided credit report. Seller Comment (2021-03-05): Attached

Reviewer Comment (2021-03-08): Lender provided credit report.

Cleared

03/08/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302173081

19544304

01/13/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $43.00 plus 10% or $47.30.  Sufficient or excess cure was provided to the borrower. (0)

Reviewer Comment (2021-01-13): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2021-01-13): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302173081

19545471

01/13/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-01-28): CDA with 0% variance provided. Buyer Comment (2021-01-27): CDA uploaded

Reviewer Comment (2021-01-28): CDA with 0% variance provided.

Cleared

01/28/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302132382

19385714

xxxx  3:51:56 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. (Final/xxxx)

Reviewer Comment (2021-02-03): Revised PCCD and LOE provided. Buyer Comment (2021-01-29): Uploaded revised post close CD and LOE Reviewer Comment (2021-01-13): FinalCD reflects Initial Escrow Deposit amounts that differ on page 2 Section G total and page 4 Initial Escrow Payment. Corrected CD and LOE to borrower required to cure with matching correct figures.  xxxx has discussed this specific issue with outside counsel in the past.  We note that 1026.38(l)(7) [Escrow Account on page 4] basically refers to 1026.38(g)(3) [Section G on page 2 of CD]. In (g)(3), the only total that is referenced is the borrower-paid total. Further, it makes sense that the (l)(7) disclosure in the CD matches up with the borrower-paid total because we note that the (l)(7) disclosure states "A cushion for the escrow account you [i.e., the borrower] pay for at closing." To permit a total that is both borrower- and non-borrower paid would appear misleading since that would then not be the amount that "you [i.e., the borrower]" is paying.  The exception is graded as an EV2 instead of an EV3 given the instructions in the CFPB Small Entity Compliance Guide. Buyer Comment (2021-01-07): PCCD/LOE

Reviewer Comment (2021-02-03): Revised PCCD and LOE provided. Reviewer Comment (2021-01-13): FinalCD reflects Initial Escrow Deposit amounts that differ on page 2 Section G total and page 4 Initial Escrow Payment. Corrected CD and LOE to borrower required to cure with matching correct figures.  xxxx has discussed this specific issue with outside counsel in the past.  We note that 1026.38(l)(7) [Escrow Account on page 4] basically refers to 1026.38(g)(3) [Section G on page 2 of CD]. In (g)(3), the only total that is referenced is the borrower-paid total. Further, it makes sense that the (l)(7) disclosure in the CD matches up with the borrower-paid total because we note that the (l)(7) disclosure states "A cushion for the escrow account you [i.e., the borrower] pay for at closing." To permit a total that is both borrower- and non-borrower paid would appear misleading since that would then not be the amount that "you [i.e., the borrower]" is paying.  The exception is graded as an EV2 instead of an EV3 given the instructions in the CFPB Small Entity Compliance Guide.

Cured

N

2

2

B

B

B

B

B

B

B

B

B

B

302132382

19386069

xxxx  4:29:15 PM

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-13): Third party verification of prior employment dates provided. Buyer Comment (2021-01-10): Verification of previous employment attached

Reviewer Comment (2021-01-13): Third party verification of prior employment dates provided.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304044

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302307729

19864441

02/09/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-02-23): xxxx received disclosure tracking indicating the initial CD was received the same day issued. Seller Comment (2021-02-18): Uploaded proof of initial CD receipt

Reviewer Comment (2021-02-23): xxxx received disclosure tracking indicating the initial CD was received the same day issued.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302276549

19595676

01/20/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-01-28): Borrower acknowledgment provided. Buyer Comment (2021-01-28): Uploaded appraisal waiver Buyer Comment (2021-01-27): Acknowledgement

Reviewer Comment (2021-01-28): Borrower acknowledgment provided.

Cleared

01/28/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302337282

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302265804

19553677

01/14/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-01-25): Payoff statement provided Buyer Comment (2021-01-22): PAYOFF

Reviewer Comment (2021-01-25): Payoff statement provided

Cleared

01/25/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302265804

19553679

01/14/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302278960

19802362

02/06/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $3,130.98 exceeds tolerance of $3,057.00.  Sufficient or excess cure was provided to the borrower at Closing. (7200)

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302278960

19802364

02/06/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-19): xxxx received electronic signed CD Seller Comment (2021-02-16): Uploaded initial CD with evidence of esignature and final signed at closed.

Reviewer Comment (2021-02-19): xxxx received electronic signed CD

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302244976

19394286

xxxx  3:56:29 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $650.00 exceeds tolerance of $575.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302244976

19685465

01/27/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 39.09076% exceeds Guideline total debt ratio of 38.00000%.

Reviewer Comment (2021-01-27): Included historical bonus income from 2018, 2019 and 2020 YTD.

Reviewer Comment (2021-01-27): Included historical bonus income from 2018, 2019 and 2020 YTD.

Cleared

01/27/2021

N

3

1

A

A

A

A

A

302273073

19376256

xxxx  5:17:02 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $650.00 exceeds tolerance of $575.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2020-12-29): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-29): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302273073

19376257

xxxx  5:17:02 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2020-12-29): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-29): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302273073

19376332

xxxx  5:25:32 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-03-02): xxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2021-02-23): The RTC is signed 2/9/2021 which is proof of borrower's receipt. Please amend Reviewer Comment (2021-02-22): xxxx received RTC and screen shot of Principal application.  Please provide proof of delivery to complete cure. Buyer Comment (2021-02-16): Uploaded ROR and pay history Reviewer Comment (2021-01-28): xxxx received Corrected CD, LOE to borrower, Itemization of amount Financed.  Missing proof of principal reduction applied to principal balance via servicing records and proof of delivery of the RTC's to borrowers within 3 business days prior to xxxx rescission window close date to finalize cure. Buyer Comment (2021-01-21): Per lender: We do not agree with the investor suspense; also appears we cured too much on the CD at the time of closing. Investor indicates we under disclosed the finance charge, there breakdown for finance charges is not correct they also list interest as a finance charge however this loan had an interest credit so not applicable. All docs uploaded.. uploading PCCD xxxx;Itemization;PCCD xxxx;RTC;CHECK REQUEST;LOE Reviewer Comment (2021-01-13): The finance charge is under disclosed by $442.96. Based on Corrected CD issued 12-2-20, disclosed as $xxxx and calculated at $xxxx. The following fees have been included in the finance charge calculation: Flood Cert $10, Discount Points $4982, prepaid Interest -141.64, preocessing fee $690, Tax Service $75, Title-recording service $25, Title-closing/escrow $550 and Underwriting fee $705.   A PCCD, LOE, copy of refund check, proof of delivery and reopen of RTC is required cure. Buyer Comment (2021-01-07): PCCD/LOE

Reviewer Comment (2021-03-02): xxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Reviewer Comment (2021-02-22): xxxx received RTC and screen shot of Principal application.  Please provide proof of delivery to complete cure. Reviewer Comment (2021-01-28): xxxx received Corrected CD, LOE to borrower, Itemization of amount Financed.  Missing proof of principal reduction applied to principal balance via servicing records and proof of delivery of the RTC's to borrowers within 3 business days prior to xxxx rescission window close date to finalize cure. Reviewer Comment (2021-01-13): The finance charge is under disclosed by $442.96. Based on Corrected CD issued 12-2-20, disclosed as $xxxx and calculated at $xxxx. The following fees have been included in the finance charge calculation: Flood Cert $10, Discount Points $4982, prepaid Interest -141.64, preocessing fee $690, Tax Service $75, Title-recording service $25, Title-closing/escrow $550 and Underwriting fee $705.   A PCCD, LOE, copy of refund check, proof of delivery and reopen of RTC is required cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302273073

20108457

03/04/2021

Compliance

Federal Compliance

TRID Post Close Closing Disclosure Evidence Principal Reduction Applied to Loan

Principal reduction not applied to tolerance cure due to missing evidence of applying principal reduction to the loan. (Post-Cloxxxx021)

Reviewer Comment (2021-03-04): This is an RA informational exception and can't be cleared

Reviewer Comment (2021-03-04): This is an RA informational exception and can't be cleared

Waived

N

2

2

B

B

B

B

B

302286886

19558347

01/14/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-03): xxxx received xxxx e consent. Buyer Comment (2021-01-29): Uploaded esign consent.

Reviewer Comment (2021-02-03): xxxx received xxxx e consent.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286886

19558348

01/14/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $575.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302286886

19613668

01/21/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-28): VVOE coincides with disbursement. Buyer Comment (2021-01-26): Hello, Please remove this condition for a VVOE dated within 5 days prior to close for xxxx employment with xxxx and xxxx employment with xxxx. xxxx is an escrow State and the VVOEs are dated the day of funding, therefore meets guides. Thank you

Reviewer Comment (2021-01-28): VVOE coincides with disbursement.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302394061

No Finding

Loan Completed Without Finding

Review Complete

02/25/2021

1

1

302264835

19538133

01/12/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-02-01): xxxx received PCCD, LOE, copy of refund check, and proof of mailing.; exception is cured. Buyer Comment (2021-01-27): cure docs

Reviewer Comment (2021-02-01): xxxx received PCCD, LOE, copy of refund check, and proof of mailing.; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302338018

19579314

01/19/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 4506 or 4506-T (for Business) (2018), 4506 or 4506-T (for Business) (2019)

Reviewer Comment (2021-02-10): Signed 4506T provided. Buyer Comment (2021-02-05): uploaded 4506-T  & DocuSign

Reviewer Comment (2021-02-10): Signed 4506T provided.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304104

19566948

01/15/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 300.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-08): HOA fees documented from association.

Reviewer Comment (2021-02-08): HOA fees documented from association.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304104

19566994

01/15/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-02-08): HOA fees documented from association.

Reviewer Comment (2021-02-08): HOA fees documented from association.

Cleared

02/08/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302304104

19566995

01/15/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-02-08): HOA fees documented from association.

Reviewer Comment (2021-02-08): HOA fees documented from association.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304104

19567030

01/15/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 44.07819% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-02-08): HOA fees documented from association. Buyer Comment (2021-02-04): Please find attached the verification of the annual HOA fee for the subject property.

Reviewer Comment (2021-02-08): HOA fees documented from association.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304104

19567084

01/15/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-02-08): HOA fees documented from association.

Reviewer Comment (2021-02-08): HOA fees documented from association.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304104

19638876

01/22/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 44.07819% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-02-08): HOA fees documented from association.

Reviewer Comment (2021-02-08): HOA fees documented from association.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302067248

18963451

xxxx  12:15:02 PM

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2020-12-07): Verification of prior employment provided. Buyer Comment (2020-12-07): Page 235 in your portal reflects CO SOS dated xxxx Please clear the exception.

Reviewer Comment (2020-12-07): Verification of prior employment provided.

Cleared

12/07/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302067248

18963452

xxxx  12:15:02 PM

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2020-11-19): Disclosure provided. Buyer Comment (2020-11-16): MLO

Reviewer Comment (2020-11-19): Disclosure provided.

Cleared

xxxx  10:51:28 AM

N

2

1

B

A

B

A

B

A

B

A

B

A

302067248

18963453

xxxx  12:15:02 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2020-12-07): Verification of prior employment provided.

Reviewer Comment (2020-12-07): Verification of prior employment provided.

Cleared

12/07/2020

N

3

1

B

A

C

A

C

A

B

A

B

A

302067248

18963455

xxxx  12:15:02 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 14,807.56 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-28): xxxx received a PCCD correcting total property costs and LOE. Buyer Comment (2021-01-25): PCCD/LOE Reviewer Comment (2021-01-12): xxxx re-reviewed property costs documented in file, which reflect taxes month of $961.71 and insurance of $298.50/mo for total of $1260.21.  Based on 12 mo calc the total property costs over year is $15,122.52.  The Corrected CD issued 12-16-20 reflects monthly total of $1233.96 and annual 12 mo of $14,807.56 which does not match. Please provide PCCD and LOE to cure or verification of updated amounts. Buyer Comment (2021-01-06): Per lender: This is from 12/16 and it's correct- please advise what you're reviewing as we show this is correct. Reviewer Comment (2020-12-23): xxxx received PCCD.  The calculated total property costs costs are HOI $3582 and Taxes $11540.56 per tax cert. The calculated total is $15122.56. 10,11, or 12 months is acceptable. The total on the PCCD is $14807.56 on page 4. Please provide documenation supporting value or corrected CD and LOE to cure. Buyer Comment (2020-12-18): cure Reviewer Comment (2020-12-04): xxxx received PCCD.  The calculated total property costs costs are HOI $3582 and Taxes $11540.56 per tax cert. The calculated total is $15122.56. 10,11, or 12 months is acceptable. The total on the PCCD is $14807.56 on page 4. Please provide documenation supporting value or corrected CD and LOE to cure. Buyer Comment (2020-12-02): Cure docs

Reviewer Comment (2021-01-28): xxxx received a PCCD correcting total property costs and LOE. Reviewer Comment (2021-01-12): xxxx re-reviewed property costs documented in file, which reflect taxes month of $961.71 and insurance of $298.50/mo for total of $1260.21.  Based on 12 mo calc the total property costs over year is $15,122.52.  The Corrected CD issued 12-16-20 reflects monthly total of $1233.96 and annual 12 mo of $14,807.56 which does not match. Please provide PCCD and LOE to cure or verification of updated amounts. Reviewer Comment (2020-12-23): xxxx received PCCD.  The calculated total property costs costs are HOI $3582 and Taxes $11540.56 per tax cert. The calculated total is $15122.56. 10,11, or 12 months is acceptable. The total on the PCCD is $14807.56 on page 4. Please provide documenation supporting value or corrected CD and LOE to cure. Reviewer Comment (2020-12-04): xxxx received PCCD.  The calculated total property costs costs are HOI $3582 and Taxes $11540.56 per tax cert. The calculated total is $15122.56. 10,11, or 12 months is acceptable. The total on the PCCD is $14807.56 on page 4. Please provide documenation supporting value or corrected CD and LOE to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302174057

19374808

xxxx  3:32:08 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-01-26): xxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission Buyer Comment (2021-01-21): RTC Reviewer Comment (2021-01-13): xxxx received Corrected CD, LOE to borrower, copy of refund check to borrower and proof of delivery.  As this is a Material Disclosure violation and an rescindable transaction, the re-opening of the rescission period is required to finalize cure.  Copy of RTC's for all title owners along with proof of delivery to enable the 3 day rescission perior to be met is required. Buyer Comment (2021-01-07): cure docs

Reviewer Comment (2021-01-26): xxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission Reviewer Comment (2021-01-13): xxxx received Corrected CD, LOE to borrower, copy of refund check to borrower and proof of delivery.  As this is a Material Disclosure violation and an rescindable transaction, the re-opening of the rescission period is required to finalize cure.  Copy of RTC's for all title owners along with proof of delivery to enable the 3 day rescission perior to be met is required.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302304125

No Finding

Loan Completed Without Finding

Review Complete

01/23/2021

1

1

302101286

19372924

xxxx  2:04:50 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,063.50 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-03): PCCD and LOE provided. Buyer Comment (2021-01-29): Uploaded LOE and revised CD. Reviewer Comment (2021-01-14): xxxx received 1003, appraisal and lender rebuttal that no HOA on property, however the Final CD page 1 is marked "Other" HOA Dues not in escrow and has included a $300 mo amt in the annual costs also. Property costs reflected on Final CD of $10,063.50 on page 4 is 12 mo of page 1 monthly of $838.62. Loan file indicates 12 mo annual of $6463.44  These itemized costs of $424.40 tax / $114.22 totaling $538.62.  Please provide PCCD and LOE to cure or verification of updated amounts. Buyer Comment (2021-01-08): Lender Comments: " As per appraisal and as per Zillow, there are no HOA fees at this property."  See the following (4) uploads:  LOE, Appraisal (2 copies rec'd from Lender), and Initialed 1003 removing HOA fees from PITI.

Reviewer Comment (2021-02-03): PCCD and LOE provided. Reviewer Comment (2021-01-14): xxxx received 1003, appraisal and lender rebuttal that no HOA on property, however the Final CD page 1 is marked "Other" HOA Dues not in escrow and has included a $300 mo amt in the annual costs also. Property costs reflected on Final CD of $10,063.50 on page 4 is 12 mo of page 1 monthly of $838.62. Loan file indicates 12 mo annual of $6463.44  These itemized costs of $424.40 tax / $114.22 totaling $538.62.  Please provide PCCD and LOE to cure or verification of updated amounts.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302214485

No Finding

Loan Completed Without Finding

Review Complete

01/19/2021

1

1

302248756

19561259

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103)

Reviewer Comment (2021-01-25): Changed circumstance provided.

Reviewer Comment (2021-01-25): Changed circumstance provided.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267548

19946606

02/18/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-03-02): Received proof of receipt. Seller Comment (2021-02-23): Providing proof the borrower received the Initial CD on 12/31

Reviewer Comment (2021-03-02): Received proof of receipt.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274605

No Finding

Loan Completed Without Finding

Review Complete

02/16/2021

1

1

302290253

19979265

02/22/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Occupancy discrepancy.

Property occupancy of Primary does not match Guideline property occupancy of Primary.

Reviewer Comment (2021-03-18): Occupancy statement for Mary Ln showing property is a second home and not an investment property provided. Seller Comment (2021-03-17): see attached

Reviewer Comment (2021-03-18): Occupancy statement for Mary Ln showing property is a second home and not an investment property provided.

Cleared

03/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290253

19983919

02/23/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,177.00 exceeds tolerance of $1,917.00 plus 10% or $2,108.70.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-23): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-23): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302290253

19983937

02/23/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-03-05): 3/5/2021:  Received the e-sign consent reflecting 1/8/21 sent date.  Exception has been cleared. Seller Comment (2021-03-01): Re Review: Evidence that initial CD date 1/8/21 was sent via email and acknowledged on 1/8/21 (3) business days prior to closingxxxx

Reviewer Comment (2021-03-05): 3/5/2021:  Received the e-sign consent reflecting 1/8/21 sent date.  Exception has been cleared.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302214484

19572847

01/16/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-05): Minor loss documented. Buyer Comment (2021-02-03): Uploaded Balance Sheet  and P&L

Reviewer Comment (2021-02-05): Minor loss documented.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302214484

19572848

01/16/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-05): Signed returns provided. Buyer Comment (2021-02-03): Uploaded 2018 Business (1065's) and Personal (1040's) tax returns.

Reviewer Comment (2021-02-05): Signed returns provided.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302214484

19572849

01/16/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-05): Signed returns provided. Buyer Comment (2021-02-03): Uploaded 2018 Business (1065's) and Personal (1040's) tax returns; Balance Sheet and P&L; VOE's

Reviewer Comment (2021-02-05): Signed returns provided.

Cleared

02/05/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302214484

19572858

01/16/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-05): Replacement cost estimator provided. Buyer Comment (2021-02-03): RCE uploaded

Reviewer Comment (2021-02-05): Replacement cost estimator provided.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302214484

19573798

01/16/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-05): VOE provided. Buyer Comment (2021-02-03): VOE for Jean uploaded.

Reviewer Comment (2021-02-05): VOE provided.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302214484

19573799

01/16/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-05): VOE provided. Buyer Comment (2021-02-03): VOE for xxxx Uploaded.

Reviewer Comment (2021-02-05): VOE provided.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273099

19582998

01/19/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Buyer Comment (2021-01-25): Borrower received complete appraisal on or after the Effective Date of the Appraisal but prior to the UW requested appraisal revision. The UW requested appraisal revision triggered a new Appraiser signature date, but did not affect the value of the property. Appraisal with UW requested revision was not sent to the borrower(s). No further documentation required to acknowledge exception. Buyer Comment (2021-01-25): LOX

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302276548

19871415

02/10/2021

Credit

Credit Documentation

Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification.

Credit Report: Original // Liability Type: Revolving / Current Balance: $295.00 / Line Limit: $13,500.00, Credit Report: Original // Liability Type: Revolving / Current Balance: $26.00 / Line Limit: $5,000.00

Reviewer Comment (2021-02-26): Upon further, reviewed this exception has been cleared. xxxx Jumbo Express guidelines require credit report debts to follow AUS. DU did not include the 2 authorized user accounts in the DTI calculation. Seller Comment (2021-02-25): please show condition as complete

Reviewer Comment (2021-02-26): Upon further, reviewed this exception has been cleared. xxxx Jumbo Express guidelines require credit report debts to follow AUS. DU did not include the 2 authorized user accounts in the DTI calculation.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302276548

19871505

02/10/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-28): Documentation of earlier e-consent provided. Seller Comment (2021-02-23): Uploaded LOE

Reviewer Comment (2021-02-28): Documentation of earlier e-consent provided.

Cleared

02/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302276548

19871513

02/10/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-02-28): Electronic delivery and receipt documented. Seller Comment (2021-02-23): Uploaded LOE

Reviewer Comment (2021-02-28): Electronic delivery and receipt documented.

Cleared

02/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305676

No Finding

Loan Completed Without Finding

Review Complete

02/24/2021

1

1

302278955

19391406

xxxx  11:45:31 AM

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. (Final/xxxx)

Reviewer Comment (2021-01-17): Corrected CD and LOE provided. Buyer Comment (2021-01-15): PCCD/LOE

Reviewer Comment (2021-01-17): Corrected CD and LOE provided.

Cured

N

2

2

B

B

B

B

B

B

B

B

B

B

302278955

19407049

01/04/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xxxx)

Reviewer Comment (2021-01-17): Electronic delivery on 12/2  documented. Buyer Comment (2021-01-15): Per lender: Appraisal report was completed 12/2. Borrower signed AA 12/3. Closing was xxxx.

Reviewer Comment (2021-01-17): Electronic delivery on 12/2  documented.

Cleared

01/17/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302278955

19407050

01/04/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:Secondary/xxxx)

Reviewer Comment (2021-01-17): Appraisal delivery documented.  Not required for CDA. Buyer Comment (2021-01-15): Per lender:Appraisal report was completed 12/2. Borrower signed AA 12/3. Closing was xxxx.

Reviewer Comment (2021-01-17): Appraisal delivery documented.  Not required for CDA.

Cleared

01/17/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302278955

19575832

01/17/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-01-26): Waiver with earlier signature date provided. Buyer Comment (2021-01-25): ECOA Reviewer Comment (2021-01-17): Waiver was signed after delivery of appraisal.

Reviewer Comment (2021-01-26): Waiver with earlier signature date provided. Reviewer Comment (2021-01-17): Waiver was signed after delivery of appraisal.

Cleared

01/26/2021

N

2

1

A

A

A

A

A

302307056

No Finding

Loan Completed Without Finding

Review Complete

01/25/2021

1

1

302317912

No Finding

Loan Completed Without Finding

Review Complete

02/16/2021

1

1

302391396

19809388

02/08/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-03-01): Electronic delivery documented. Buyer Comment (2021-02-27): Initial CD xxxx is available in the shipping package at page no. 199-204 of 1511. The Initial CD was sent to the borrower on xxxx and was received by the borrower on xxxx which is 03 business day prior to the closing date xxxx. This can be verified from the compliance event timeline available in the shipping package at page no. 231-231 of 1511. Please review and advise.

Reviewer Comment (2021-03-01): Electronic delivery documented.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302391396

19809389

02/08/2021

Compliance

Federal Compliance

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxx not received by borrower at least four (4) business days prior to closing. (Interxxxx021)

Reviewer Comment (2021-03-01): Electronic delivery documented. Buyer Comment (2021-02-27): LE xxxx is available in the shipping package at page no. 1415-1417 of 1511. The LE was sent to the borrower on xxxx and was received by the borrower on xxxx which is 05 business day prior to the closing date xxxx. This can be verified from the compliance event timeline available in the shipping package at page no. 231-231 of 1511. Please review and advise.

Reviewer Comment (2021-03-01): Electronic delivery documented.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302391396

19809390

02/08/2021

Compliance

Federal Compliance

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxx not received by borrower at least four (4) business days prior to closing. (Interxxxx021)

Reviewer Comment (2021-03-01): Electronic delivery documented. Buyer Comment (2021-02-27): LE xxxx is available in the shipping package at page no. 1409-1411 of 1511. The LE was sent to the borrower on xxxx and was received by the borrower on xxxx which is 04 business day prior to the closing date xxxx. This can be verified from the compliance event timeline available in the shipping package at page no. 231-231 of 1511. Please review and advise.

Reviewer Comment (2021-03-01): Electronic delivery documented.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302391396

19934297

02/17/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx, Address: xxxx Tax Verification Tax Verification

Reviewer Comment (2021-03-01): Tax verification provided. Seller Comment (2021-02-27): Document uploaded. Please review and advise.

Reviewer Comment (2021-03-01): Tax verification provided.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392497

19806294

02/08/2021

Credit

Application / Processing

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

Reviewer Comment (2021-02-26): 1008 provided Seller Comment (2021-02-25): 1008

Reviewer Comment (2021-02-26): 1008 provided

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392497

19848189

02/09/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-26): 3yrs capital gains documented Seller Comment (2021-02-25): 1040 tax Transcript All 3 years available

Reviewer Comment (2021-02-26): 3yrs capital gains documented

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392497

19848199

02/09/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - Schedule D

Ability to Repay (Dodd-Frank 2014): Unable to verify Capital Gains income using reasonably reliable third-party records. (xxxx/Schedule D)

Reviewer Comment (2021-02-26): 3yrs capital gains documented Seller Comment (2021-02-25): Tax Transcript for all 3 Years

Reviewer Comment (2021-02-26): 3yrs capital gains documented

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392497

19848200

02/09/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-26): 3yrs capital gains documented

Reviewer Comment (2021-02-26): 3yrs capital gains documented

Cleared

02/26/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302392497

19848201

02/09/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-26): 3yrs capital gains documented Seller Comment (2021-02-25): Tax Transcript for all 3 Years

Reviewer Comment (2021-02-26): 3yrs capital gains documented

Cleared

02/26/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302392497

20320626

03/23/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-04-12): Received copy of the post disaster inspection showing no damage.

Reviewer Comment (2021-04-12): Received copy of the post disaster inspection showing no damage.

Cleared

04/12/2021

N

3

1

A

A

A

A

A

302372350

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302395314

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

301990041

19227872

xxxx  5:39:36 PM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2020-12-17): PDI dated xxxx-Disaster end date reflects xxxx. Disaster Dec date xxxx Seller Comment (2020-12-16): PDI

Reviewer Comment (2020-12-17): PDI dated xxxx-Disaster end date reflects xxxx. Disaster Dec date xxxx

The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

301990041

19227919

xxxx  6:01:01 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1099 (2019), Trust Agreement, Trustee's Statement

Reviewer Comment (2021-02-12): xxxx: Received Trustee letter verifying income. Seller Comment (2021-02-11): LOE ON TRUST Reviewer Comment (2021-01-11): Received letter from lender stating trust agreement should be waived since it was approved prior. Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable).  Lender provide Seller Comment (2021-01-06): Trust Distributions Reviewer Comment (2021-01-04): Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable). Seller Comment (2020-12-24): TRUST LOE Reviewer Comment (2020-12-22): Docs provided are for a different borrower xxxx Seller Comment (2020-12-16): TRUST DOCUMENTS

Reviewer Comment (2021-02-12): xxxx: Received Trustee letter verifying income. Reviewer Comment (2021-01-11): Received letter from lender stating trust agreement should be waived since it was approved prior. Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable).  Lender provide Reviewer Comment (2021-01-04): Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable). Reviewer Comment (2020-12-22): Docs provided are for a different borrower xxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301990041

19227920

xxxx  6:01:21 PM

Credit

General

Missing Document: Trustee's Statement not provided

Reviewer Comment (2021-02-12): xxxx: Received Trustee letter verifying income. Seller Comment (2021-02-11): LOE AND xxxx BANK Reviewer Comment (2021-01-11): Received letter from lender stating trust agreement should be waived since it was approved prior. Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable).  Lender provide Seller Comment (2021-01-10): Letter that was provided from the borrowers stating that the requirement of the trust agreement was to be waived. Reviewer Comment (2021-01-04): Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable). Seller Comment (2020-12-24): loe Reviewer Comment (2020-12-22): Docs provided are for a different borrower-xxxx Seller Comment (2020-12-16): TRUST DOCS

Reviewer Comment (2021-02-12): xxxx: Received Trustee letter verifying income. Reviewer Comment (2021-01-11): Received letter from lender stating trust agreement should be waived since it was approved prior. Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable).  Lender provide Reviewer Comment (2021-01-04): Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable). Reviewer Comment (2020-12-22): Docs provided are for a different borrower-xxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301990041

19227991

xxxx  6:36:35 PM

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2020-12-30): Lender cured on the PCCD dated 12.23.2020 by disclosing the actual disbursement date.

Reviewer Comment (2020-12-30): Lender cured on the PCCD dated 12.23.2020 by disclosing the actual disbursement date.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

301990041

19227992

xxxx  6:39:46 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans

TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxx did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/xxxx)

Reviewer Comment (2020-12-30): xxxx received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2020-12-24): loe pccd

Reviewer Comment (2020-12-30): xxxx received Letter of Explanation & Corrected Closing Disclosure.

Cured

N

2

2

B

B

B

B

B

B

B

B

B

B

301990041

19227999

xxxx  6:43:55 PM

Compliance

Federal Compliance

Trust Income Documentation

Qualified Mortgage (Dodd-Frank 2014): Trust income documentation requirement not met. (Gottesman,Dovid Retired/Trust Income)

Reviewer Comment (2021-02-12): xxxx: Received Trustee letter verifying income. Reviewer Comment (2021-01-11): Received letter from lender stating trust agreement should be waived since it was approved prior. Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable).  Lender provide Seller Comment (2021-01-10): Letter that was provided from the borrowers stating that the requirement of the trust agreement was to be waived. Reviewer Comment (2021-01-04): Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable). Seller Comment (2020-12-24): bank statement Reviewer Comment (2020-12-22): Docs provided are for a different borrower-xxxx Seller Comment (2020-12-16): ASSETS

Reviewer Comment (2021-02-12): xxxx: Received Trustee letter verifying income. Reviewer Comment (2021-01-11): Received letter from lender stating trust agreement should be waived since it was approved prior. Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable).  Lender provide Reviewer Comment (2021-01-04): Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable). Reviewer Comment (2020-12-22): Docs provided are for a different borrower-xxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301990041

19228000

xxxx  6:43:55 PM

Compliance

Federal Compliance

Trust Income Withdrawn

Qualified Mortgage (Dodd-Frank 2014): Documentation not provided to support that withdrawal of funds in Trust account used for cash investment will not negatively affect income. (xxxx/Trust Income)

Reviewer Comment (2021-02-12): xxxx: Received Trustee letter verifying income. Reviewer Comment (2021-01-11): Received letter from lender stating trust agreement should be waived since it was approved prior. Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable).  Lender provide Seller Comment (2021-01-10): Letter that was provided from the borrowers stating that the requirement of the trust agreement was to be waived. Reviewer Comment (2021-01-04): Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable). Seller Comment (2020-12-24): bank statements Reviewer Comment (2020-12-22): Docs provided are for a different borrower xxxx Seller Comment (2020-12-16): ASSETS

Reviewer Comment (2021-02-12): xxxx: Received Trustee letter verifying income. Reviewer Comment (2021-01-11): Received letter from lender stating trust agreement should be waived since it was approved prior. Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable).  Lender provide Reviewer Comment (2021-01-04): Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable). Reviewer Comment (2020-12-22): Docs provided are for a different borrower xxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

301990041

19228001

xxxx  6:43:55 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-12): xxxx: Received Trustee letter verifying income. Reviewer Comment (2021-01-11): Received letter from lender stating trust agreement should be waived since it was approved prior. Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable).  Lender provide Seller Comment (2021-01-10): Letter that was provided from the borrowers stating that the requirement of the trust agreement was to be waived. Reviewer Comment (2021-01-04): Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable). Seller Comment (2020-12-24): bank statements Reviewer Comment (2020-12-22): Docs provided are for a different borrower-xxxx Seller Comment (2020-12-16): ASSETS

Reviewer Comment (2021-02-12): xxxx: Received Trustee letter verifying income. Reviewer Comment (2021-01-11): Received letter from lender stating trust agreement should be waived since it was approved prior. Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable).  Lender provide Reviewer Comment (2021-01-04): Trust agreement not provided. Unable to actually determine what kind of trust (irrevocable). Reviewer Comment (2020-12-22): Docs provided are for a different borrower-xxxx

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302247673

19213689

xxxx  10:30:40 PM

Credit

Guideline Issue

Borrower does not have the minimum active tradelines per guidelines.

Reviewer Comment (2020-12-16): Provided LOE with additional qualifications if do not meet 3 open trades Seller Comment (2020-12-15): LOE

Reviewer Comment (2020-12-16): Provided LOE with additional qualifications if do not meet 3 open trades

Cleared

xxxx  7:48:43 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302247673

19213786

xxxx  11:34:26 PM

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-04): VOE's have been provided. Seller Comment (2020-12-28): vvvoe

Reviewer Comment (2021-01-04): VOE's have been provided.

Cleared

01/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302247673

19213792

xxxx  11:37:58 PM

Credit

Asset Documentation

Asset documentation requirements not met.

Reviewer Comment (2020-12-18): Assets provided. Seller Comment (2020-12-18): RETIREMENT ACCT

Reviewer Comment (2020-12-18): Assets provided.

Cleared

xxxx  3:13:40 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302247673

19213793

xxxx  11:37:58 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.42 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2020-12-17): Provided additional asset documentation Seller Comment (2020-12-15): RETIREMENT ACCT

Reviewer Comment (2020-12-17): Provided additional asset documentation

Cleared

xxxx  9:15:22 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302247673

19213794

xxxx  11:37:58 PM

Credit

Income Documentation

Income documentation requirements not met.

Reviewer Comment (2020-12-17): Provided income documentation Seller Comment (2020-12-15): ASSETS

Reviewer Comment (2020-12-17): Provided income documentation

Cleared

xxxx  9:14:43 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302247673

19213796

xxxx  11:39:28 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx Paystubs, VVOE - Employment Only, WVOE - Includes Income Paystubs, VVOE - Employment Only, WVOE - Includes Income

Reviewer Comment (2020-12-17): Provided income documentation Seller Comment (2020-12-15): ASSETS

Reviewer Comment (2020-12-17): Provided income documentation

Cleared

xxxx  9:14:48 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302247673

19213797

xxxx  11:40:19 PM

Credit

Credit Documentation

Aged document: Credit Report  is more than 90 days prior to the note date.

Credit Report: Original // Borrower: xxxxx

Reviewer Comment (2020-12-17): Provided updated credit report Seller Comment (2020-12-15): credit refresh

Reviewer Comment (2020-12-17): Provided updated credit report

Cleared

xxxx  8:56:33 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302247673

19213798

xxxx  11:40:57 PM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2020-12-18): Received post-disaster inspection dated xxxx reflecting no damage to subject property. Seller Comment (2020-12-17): PDI

Reviewer Comment (2020-12-18): Received post-disaster inspection dated xxxx reflecting no damage to subject property.

Cleared

xxxx  3:11:43 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302247673

19213822

xxxx  11:48:24 PM

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2020-12-17): Provided income documentation

Reviewer Comment (2020-12-17): Provided income documentation

Cleared

xxxx  9:14:18 AM

N

2

1

B

A

B

A

B

A

B

A

B

A

302247673

19213823

xxxx  11:48:24 PM

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2020-12-17): Provided income documentation

Reviewer Comment (2020-12-17): Provided income documentation

Cleared

xxxx  9:14:18 AM

N

2

1

B

A

B

A

B

A

B

A

B

A

302247673

19213824

xxxx  11:48:24 PM

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2020-12-17): Provided MTG payoff Seller Comment (2020-12-15): payoff

Reviewer Comment (2020-12-17): Provided MTG payoff

Cleared

xxxx  8:57:01 AM

N

2

1

B

A

B

A

B

A

B

A

B

A

302247673

19213825

xxxx  11:48:24 PM

Compliance

Federal Compliance

General Ability To Repay Provision Employment - W-2

Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxx/Wages)

Reviewer Comment (2020-12-17): Provided income documentation

Reviewer Comment (2020-12-17): Provided income documentation

Cleared

xxxx  9:14:18 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302247673

19213826

xxxx  11:48:24 PM

Compliance

Federal Compliance

General Ability To Repay Provision Employment - W-2

Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (xxxx/Wages)

Reviewer Comment (2020-12-17): Provided income documentation

Reviewer Comment (2020-12-17): Provided income documentation

Cleared

xxxx  9:14:18 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302247673

19213827

xxxx  11:48:24 PM

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2020-12-17): Provided income documentation

Reviewer Comment (2020-12-17): Provided income documentation

Cleared

xxxx  9:14:18 AM

N

1

1

A

A

A

A

A

A

A

A

A

A

302247673

19213828

xxxx  11:48:24 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-17): Received system screenprints verifying undiscounted rate and price as well as compliance report confirming points included in starting adjusted rate.  Exception cleared. Seller Comment (2021-02-16): undiscounted rate Reviewer Comment (2021-02-13): Received rate sheet.  Please provide the calculation for the undiscounted rate; the rate the borrower would have paid absent the discount points. Seller Comment (2021-02-12): RATE SHEET Reviewer Comment (2021-02-12): Please provide the calculation for the undiscounted rate; the rate the borrower would have paid absent the discount points. Seller Comment (2021-02-09): RATE SHEET Reviewer Comment (2021-01-27): Received fee worksheet.  Rate sheet reflecting a bona fide discount was not provided. Seller Comment (2021-01-26): RATE SHEET Reviewer Comment (2021-01-22): Rate sheet was not provided. Seller Comment (2021-01-21): RATE LOCK CONFIRMATION Reviewer Comment (2021-01-20): Received VOE.  Need rate sheet. Seller Comment (2021-01-18): VOE Verbal Prior To Wire Reviewer Comment (2021-01-11): Evidence of a bona fide discount was not provided.  Rate sheet was not provided. Seller Comment (2021-01-06): Attached is the Loan Options disclosure signed by the borrowers.  This may satisfy their requirement.  Please let us know about the Electronic VOE’s. Reviewer Comment (2021-01-04): Evidence of a bona fide discount was not provided.  Rate sheet was not provided. Seller Comment (2020-12-28): vvoe Reviewer Comment (2020-12-17): Due to fees and points violation Seller Comment (2020-12-15): assets

Reviewer Comment (2021-02-17): Received system screenprints verifying undiscounted rate and price as well as compliance report confirming points included in starting adjusted rate.  Exception cleared. Reviewer Comment (2021-02-13): Received rate sheet.  Please provide the calculation for the undiscounted rate; the rate the borrower would have paid absent the discount points. Reviewer Comment (2021-02-12): Please provide the calculation for the undiscounted rate; the rate the borrower would have paid absent the discount points. Reviewer Comment (2021-01-27): Received fee worksheet.  Rate sheet reflecting a bona fide discount was not provided. Reviewer Comment (2021-01-22): Rate sheet was not provided. Reviewer Comment (2021-01-20): Received VOE.  Need rate sheet. Reviewer Comment (2021-01-11): Evidence of a bona fide discount was not provided.  Rate sheet was not provided. Reviewer Comment (2021-01-04): Evidence of a bona fide discount was not provided.  Rate sheet was not provided. Reviewer Comment (2020-12-17): Due to fees and points violation

Cleared

02/17/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302247673

19213829

xxxx  11:48:24 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-01-04): Received PCCD issued xxxx reflecting the reason for no escrow and a LOX. Seller Comment (2020-12-30): pccd and loe

Reviewer Comment (2021-01-04): Received PCCD issued xxxx reflecting the reason for no escrow and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302247673

19213836

xxxx  11:56:28 PM

Compliance

Federal Compliance

QM Points and Fees

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or .98960%).

Reviewer Comment (2021-02-17): Received system screenprints verifying undiscounted rate and price as well as compliance report confirming points included in starting adjusted rate.  Exception cleared. Seller Comment (2021-02-16): undiscounted rate Reviewer Comment (2021-02-13): Received rate sheet.  Please provide the calculation for the undiscounted rate; the rate the borrower would have paid absent the discount points. Seller Comment (2021-02-12): RATE SHEET Reviewer Comment (2021-02-12): Please provide the calculation for the undiscounted rate; the rate the borrower would have paid absent the discount points. Seller Comment (2021-02-09): RATE SHEET Reviewer Comment (2021-01-27): Received fee worksheet.  Rate sheet reflecting a bona fide discount was not provided. Seller Comment (2021-01-26): FEE WORKSHEET Reviewer Comment (2021-01-22): Rate sheet was not provided. Seller Comment (2021-01-21): LOCK INFORMATION Reviewer Comment (2021-01-17): Received xxxx report.  Need rate sheet to determine there is a bona fide discount in order to exclude the discount points from the points and fees.  Fees exceed 3% with the discount points. Seller Comment (2021-01-13): xxxx-  Can you please tell us where  you are seeing this error? Reviewer Comment (2021-01-11): Evidence of a bona fide discount was not provided.  Rate sheet was not provided. Seller Comment (2021-01-10): Can you please tell us where  you are seeing this error? Seller Comment (2021-01-06): Attached is the Loan Options disclosure signed by the borrowers.  This may satisfy their requirement.  Please let us know about the Electronic VOE’s. Reviewer Comment (2021-01-04): Evidence of a bona fide discount was not provided.  Rate sheet was not provided. Seller Comment (2020-12-28): income worksheet and itemized fee worksheet Reviewer Comment (2020-12-17): No evidence of discount point acknowledgement or base pricing sheet to exclude points Seller Comment (2020-12-15): xxxx

Reviewer Comment (2021-02-17): Received system screenprints verifying undiscounted rate and price as well as compliance report confirming points included in starting adjusted rate.  Exception cleared. Reviewer Comment (2021-02-13): Received rate sheet.  Please provide the calculation for the undiscounted rate; the rate the borrower would have paid absent the discount points. Reviewer Comment (2021-02-12): Please provide the calculation for the undiscounted rate; the rate the borrower would have paid absent the discount points. Reviewer Comment (2021-01-27): Received fee worksheet.  Rate sheet reflecting a bona fide discount was not provided. Reviewer Comment (2021-01-22): Rate sheet was not provided. Reviewer Comment (2021-01-17): Received xxxx report.  Need rate sheet to determine there is a bona fide discount in order to exclude the discount points from the points and fees.  Fees exceed 3% with the discount points. Reviewer Comment (2021-01-11): Evidence of a bona fide discount was not provided.  Rate sheet was not provided. Reviewer Comment (2021-01-04): Evidence of a bona fide discount was not provided.  Rate sheet was not provided. Reviewer Comment (2020-12-17): No evidence of discount point acknowledgement or base pricing sheet to exclude points

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338103

19566336

01/15/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx Paystubs Paystubs

Reviewer Comment (2021-02-09): Provided W2s and W2 transcripts Seller Comment (2021-02-01): Please see uploaded W2's. Reviewer Comment (2021-01-24): Guidelines required W-2's and W-2 transcripts. Buyer Comment (2021-01-21): We provided the W2 transcripts and are able to validate the income why would the W2's even be necessary. If we can please have this escalated for exception review. Reviewer Comment (2021-01-19): W-2's were not provided.  Received pay stubs and W-2 transcripts. Seller Comment (2021-01-18): income documents

Reviewer Comment (2021-02-09): Provided W2s and W2 transcripts Reviewer Comment (2021-01-24): Guidelines required W-2's and W-2 transcripts. Reviewer Comment (2021-01-19): W-2's were not provided.  Received pay stubs and W-2 transcripts.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338103

19566407

01/15/2021

Credit

Income Documentation

REO Documents are missing.

Address: Statement

Reviewer Comment (2021-01-19): Received mortgage statement. Seller Comment (2021-01-18): Mortgage Statement for property at xxxx

Reviewer Comment (2021-01-19): Received mortgage statement.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302114179

19380671

xxxx  9:19:55 AM

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2021-02-25): Initial application date is xxxx. If this is accurate, this exception is valid Seller Comment (2021-02-24): the initial 1003, the COC LE so the CD in the file at closing is correct and the HOI has guaranteed rebuild/replacement cost on the bottom of the HOI dec page.  Please advise what else is needed.

Reviewer Comment (2021-02-25): Initial application date is xxxx. If this is accurate, this exception is valid

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302114179

19384331

xxxx  1:50:18 PM

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-25): Revised HOI policy dated xxxx indicates there is Guaranteed Replacement Cost Seller Comment (2021-02-24): the initial 1003, the COC LE so the CD in the file at closing is correct and the HOI has guaranteed rebuild/replacement cost on the bottom of the HOI dec page.  Please advise what else is needed. Reviewer Comment (2021-01-20): Received same hazard policy.  Coverage is insufficient. Seller Comment (2021-01-19): Satisfactory hazard insurance policy Reviewer Comment (2021-01-12): Received same hazard policy.  Coverage is insufficient. Seller Comment (2021-01-11): HOI

Reviewer Comment (2021-02-25): Revised HOI policy dated xxxx indicates there is Guaranteed Replacement Cost Reviewer Comment (2021-01-20): Received same hazard policy.  Coverage is insufficient. Reviewer Comment (2021-01-12): Received same hazard policy.  Coverage is insufficient.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302114179

19384393

xxxx  1:55:58 PM

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Address: xxxx Insurance Verification, Tax Verification Insurance Verification, Tax Verification

Reviewer Comment (2021-01-20): Received missing REO docs. Seller Comment (2021-01-19): xxxx, Address: xxxx - Insurance Verification Reviewer Comment (2021-01-12): Received tax info.  Missing hazard policy for both properties. Seller Comment (2021-01-11): xxxx, Address: xxxx,

Reviewer Comment (2021-01-20): Received missing REO docs. Reviewer Comment (2021-01-12): Received tax info.  Missing hazard policy for both properties.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302114179

19385070

xxxx  2:49:21 PM

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-03-03): xxxx received 11/24 CD. Buyer Comment (2021-02-24): Attached is the initial 1003, the COC LE so the CD in the file at closing is correct and the HOI has guaranteed rebuild/replacement cost on the bottom of the HOI dec page.  Please advise what else is needed.

Reviewer Comment (2021-03-03): xxxx received 11/24 CD.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302114179

19385071

xxxx  2:49:21 PM

Compliance

Federal Compliance

TRID Loan Estimate Timing

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xxxx)

Reviewer Comment (2021-03-03): xxxx received initial LE. Reviewer Comment (2021-02-25): Intent to proceed indicates an initial LE was issued xxxx. Please provide this LE Seller Comment (2021-02-24): Attached is the initial 1003, the COC LE so the CD in the file at closing is correct and the HOI has guaranteed rebuild/replacement cost on the bottom of the HOI dec page.  Please advise what else is needed.

Reviewer Comment (2021-03-03): xxxx received initial LE. Reviewer Comment (2021-02-25): Intent to proceed indicates an initial LE was issued xxxx. Please provide this LE

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302114179

19385072

xxxx  2:49:21 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,275.00 exceeds tolerance of $650.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-03-03): xxxx received 09/15 LE. Seller Comment (2021-02-24): Attached is the initial 1003, the COC LE so the CD in the file at closing is correct and the HOI has guaranteed rebuild/replacement cost on the bottom of the HOI dec page.  Please advise what else is needed. Reviewer Comment (2021-01-20): 2 LE's issued on same day with change to appraisal, however no corresponding COC in file Seller Comment (2021-01-19): The loan estimate issued on 9-18-2020 that shows the appraisal fee of $650.00 and appraisal fee as $1275.00

Reviewer Comment (2021-03-03): xxxx received 09/15 LE. Reviewer Comment (2021-01-20): 2 LE's issued on same day with change to appraisal, however no corresponding COC in file

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302114179

19446001

01/05/2021

Credit

Credit Documentation

Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification.

Credit Report: Original // Liability Type: 30 day (E.g. xxxx) / Current Balance: $xxxx / Line Limit: $xxxx

Reviewer Comment (2021-01-15): Non material EV-2. Seller Comment (2021-01-11): CREDIT MISC

Reviewer Comment (2021-01-15): Non material EV-2.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302114179

20169766

03/10/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-04-01): Received copy of the post disaster inspection showing no damage.

Reviewer Comment (2021-04-01): Received copy of the post disaster inspection showing no damage.

Cleared

04/01/2021

N

3

1

A

A

A

A

A

302265871

19491903

01/08/2021

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2021-01-14): Received initial 1003. Seller Comment (2021-01-11): Initial 1003 application

Reviewer Comment (2021-01-14): Received initial 1003.

Cleared

01/14/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302265871

19496606

01/08/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-10,995.60  is less than amount of binding Lender Credit previously disclosed in the amount of $-11,000.00. (9300)

Reviewer Comment (2021-01-26): xxxx received PCCD, LOE, copy of refund check, and proof of delivery; exception is cured. Seller Comment (2021-01-21): Please see PC CD, LOE, Copy of refund check and proof of check delivery. UPS tracking #xxxx.

Reviewer Comment (2021-01-26): xxxx received PCCD, LOE, copy of refund check, and proof of delivery; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302265871

19496607

01/08/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $122.00 exceeds tolerance of $82.00 plus 10% or $90.20.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-01-24): Cured on the Final CD. Seller Comment (2021-01-22): We provided a PC CD and LOE with a cure of $68.40 for a total cure of $100.20. Please provide more clarity on what's missing. Reviewer Comment (2021-01-20): Cure insufficient due to lender credit and appraisal violations. Seller Comment (2021-01-19): Please see page 2 of the final CD down on the bottom under total closing costs. The recording fees was credited back as a lender credit in the amount of $31.80.  Suspense is invalid.

Reviewer Comment (2021-01-24): Cured on the Final CD. Reviewer Comment (2021-01-20): Cure insufficient due to lender credit and appraisal violations.

Cleared

01/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265871

19496608

01/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $965.00 exceeds tolerance of $790.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-11): xxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Seller Comment (2021-02-10): Please see uploaded UPS tracking info. Reviewer Comment (2021-02-10): xxxx has received PCCD, LOE and copy of refund check datedxxxxowever, proof of mailing missing. Please provide proof of mailing. Seller Comment (2021-02-08): Please see PCCD,LOE and copy of refund check. Reviewer Comment (2021-01-26): Cure provided onxxxx is short $79.20 per testing.  Please provide PCCD, LOE, copy of refund check and proof of mailing. Seller Comment (2021-01-21): Please see PC CD, LOE, Copy of refund check and proof of check delivery. UPS tracking #xxxx.

Reviewer Comment (2021-02-11): xxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD Reviewer Comment (2021-02-10): xxxx has received PCCD, LOE and copy of refund check datedxxxxowever, proof of mailing missing. Please provide proof of mailing. Reviewer Comment (2021-01-26): Cure provided onxxxx is short $79.20 per testing.  Please provide PCCD, LOE, copy of refund check and proof of mailing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302265871

19501154

01/09/2021

Credit

Credit Documentation

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Reviewer Comment (2021-01-14): Borrower living with parents prior to purchase. Seller Comment (2021-01-13): Please see Letter of Explanation. The borrowers are not required to pay rent.

Reviewer Comment (2021-01-14): Borrower living with parents prior to purchase.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265871

19503384

01/10/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Savings / Account Number: xxxx, Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx, Financial Institution: xxxx // Account Type: 401(k)/403(b) Account / Account Number: xxxx

Reviewer Comment (2021-01-14): Received additional bank statements. Seller Comment (2021-01-11): Asset Statements

Reviewer Comment (2021-01-14): Received additional bank statements.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332731

19702240

01/29/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx, Address: xxxx HOA Verification, Statement, Tax Verification HOA Verification, Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-02-08): Provided REO documentation Seller Comment (2021-02-04): REO Documents

Reviewer Comment (2021-02-08): Provided REO documentation

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332731

19702400

01/29/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-02-07): Provided Mtg payoff Seller Comment (2021-02-04): PAYOFF

Reviewer Comment (2021-02-07): Provided Mtg payoff

Cleared

02/07/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302332731

19702401

01/29/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-08): Provided evidence that Initial LE was mailed Seller Comment (2021-02-04): TRACKING

Reviewer Comment (2021-02-08): Provided evidence that Initial LE was mailed

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259759

19645597

01/22/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. (Final/xxxx)

Reviewer Comment (2021-02-23): xxxx received corrected CD and LOE. Seller Comment (2021-02-18): PCCD AND LOE Reviewer Comment (2021-02-14): Received a CD issued xxxx reflecting updated figures and a LOE dated 2/9/2021 but a PCCD was not provided. Seller Comment (2021-02-09): pccd loe

Reviewer Comment (2021-02-23): xxxx received corrected CD and LOE. Reviewer Comment (2021-02-14): Received a CD issued xxxx reflecting updated figures and a LOE dated 2/9/2021 but a PCCD was not provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302259759

19645598

01/22/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose Estimated Property Costs over Year 1. (Final/xxxx)

Reviewer Comment (2021-02-23): xxxx received corrected CD and LOE. Seller Comment (2021-02-18): PCCD AND LOE Reviewer Comment (2021-02-14): Received a CD issued xxxx reflecting updated figures and a LOE dated 2/9/2021 but a PCCD was not provided. Seller Comment (2021-02-09): pccd loe

Reviewer Comment (2021-02-23): xxxx received corrected CD and LOE. Reviewer Comment (2021-02-14): Received a CD issued xxxx reflecting updated figures and a LOE dated 2/9/2021 but a PCCD was not provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302259759

19645599

01/22/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final/xxxx)

Reviewer Comment (2021-02-23): xxxx received corrected CD and LOE. Seller Comment (2021-02-18): PCCD LOE Reviewer Comment (2021-02-14): Received a CD issued xxxx reflecting updated figures and a LOE dated 2/9/2021 but a PCCD was not provided. Seller Comment (2021-02-09): pccd loe

Reviewer Comment (2021-02-23): xxxx received corrected CD and LOE. Reviewer Comment (2021-02-14): Received a CD issued xxxx reflecting updated figures and a LOE dated 2/9/2021 but a PCCD was not provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302259759

19671729

01/26/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-23): xxxx received corrected CD and LOE. Seller Comment (2021-02-18): PCCD LOE Reviewer Comment (2021-02-14): Received a CD issued xxxx reflecting updated figures and a LOE dated 2/9/2021 but a PCCD was not provided. Seller Comment (2021-02-09): pccd loe

Reviewer Comment (2021-02-23): xxxx received corrected CD and LOE. Reviewer Comment (2021-02-14): Received a CD issued xxxx reflecting updated figures and a LOE dated 2/9/2021 but a PCCD was not provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302369105

19731174

02/01/2021

Credit

Credit Documentation

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Reviewer Comment (2021-02-11): VOM provided in trailing documents Seller Comment (2021-02-11): 24 months pay history

Reviewer Comment (2021-02-11): VOM provided in trailing documents

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369105

19731438

02/01/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,069.64  is less than amount of binding Lender Credit previously disclosed in the amount of $-1,777.00. (9300)

Reviewer Comment (2021-02-26): xxxx received VCC, exception cleared. Seller Comment (2021-02-19): coc Reviewer Comment (2021-02-16): COC does not reflect the amount of the lender credit decrease. Seller Comment (2021-02-11): COC

Reviewer Comment (2021-02-26): xxxx received VCC, exception cleared. Reviewer Comment (2021-02-16): COC does not reflect the amount of the lender credit decrease.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369105

19746430

02/02/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans

TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxx did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/xxxx)

Reviewer Comment (2021-03-05): xxxx received PCCD and LOE; exception is cured. Seller Comment (2021-03-01): pccd/ loe Reviewer Comment (2021-02-26): Lender NMLS Id is missing from final CD,. Please provide PCCD with Lender NMLS on page 5. Seller Comment (2021-02-19): cd

Reviewer Comment (2021-03-05): xxxx received PCCD and LOE; exception is cured. Reviewer Comment (2021-02-26): Lender NMLS Id is missing from final CD,. Please provide PCCD with Lender NMLS on page 5.

Cured

N

2

2

B

B

B

B

B

B

B

B

B

B

302285505

19644940

01/22/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-19): Provided the Schedule-K1's for 2018 and 2019. xxxx Seller Comment (2021-02-18): 2018 K-1 AND 2019 K-1 Reviewer Comment (2021-02-10): xxxx: Please provide the 2 years K-1's used to calculate the Borrowers income. Seller Comment (2021-02-04): 1040 WITH VOE BREAKDOWN

Reviewer Comment (2021-02-19): Provided the Schedule-K1's for 2018 and 2019. xxxx Reviewer Comment (2021-02-10): xxxx: Please provide the 2 years K-1's used to calculate the Borrowers income.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302285505

20169781

03/10/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-04-12): Received copy of the post disaster inspection showing no damage.

Reviewer Comment (2021-04-12): Received copy of the post disaster inspection showing no damage.

Cleared

04/12/2021

N

3

1

A

A

A

A

A

302172547

19155301

12/03/2020

Compliance

Federal Compliance

RESPA -  Initial Escrow Account Statement Missing

RESPA: Initial escrow account statement was not provided to the borrower.

Reviewer Comment (2020-12-07): Borrower waived escrows. Buyer Comment (2020-12-07): Borrower declined escrows but the reason on page 4 of final CD needs to be checked.

Reviewer Comment (2020-12-07): Borrower waived escrows.

Cleared

12/07/2020

N

2

1

B

A

B

A

B

A

B

A

B

A

302172547

19155342

12/03/2020

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-01): Replacement cost estimator provided. Buyer Comment (2021-01-28): Uploaded Hazard Insurance RCE.

Reviewer Comment (2021-02-01): Replacement cost estimator provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302172547

19157772

12/04/2020

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2020-12-31): Acknowledgment provided. Buyer Comment (2020-12-31): ECOA

Reviewer Comment (2020-12-31): Acknowledgment provided.

Cleared

xxxx  4:37:19 PM

N

2

1

B

A

B

A

B

A

B

A

B

A

302172547

19182881

12/07/2020

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-01-07): xxxx received a corrected PCCD indicating will not have escrow reason and LOE. Buyer Comment (2021-01-04): PCCD/LOE

Reviewer Comment (2021-01-07): xxxx received a corrected PCCD indicating will not have escrow reason and LOE.

Cured

N

3

2

B

B

B

B

B

302150301

No Finding

Loan Completed Without Finding

Review Complete

02/13/2021

1

1

302394687

19844999

02/09/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-03-01): Final provided with updated coverage amount. Seller Comment (2021-02-27): Title Report

Reviewer Comment (2021-03-01): Final provided with updated coverage amount.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302394687

19845001

02/09/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-03-01): Final title provided.

Reviewer Comment (2021-03-01): Final title provided.

Cleared

03/01/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302137128

19393455

xxxx  2:37:40 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $590.00 exceeds tolerance of $450.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-01-25): xxxx received copy of Refund check, proof of mailing,  Letter of Explanation & Corrected Closing Disclosure Buyer Comment (2021-01-20): Cure docs: PCCD, LOE, CHECK, MAIL

Reviewer Comment (2021-01-25): xxxx received copy of Refund check, proof of mailing,  Letter of Explanation & Corrected Closing Disclosure

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302112602

19382624

xxxx  11:44:42 AM

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-19): VOE meets 5 business day guideline requirement. Buyer Comment (2021-01-12): VOE dated 11-17-2020.  Please note:  the note date and closing date on final CD is xxxx and the VOE is dated xxxx with is within 5 days of closing. Please clear this condition

Reviewer Comment (2021-01-19): VOE meets 5 business day guideline requirement.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302147496

19850213

02/09/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-02-24): Payoff provided that matches PCCD Seller Comment (2021-02-23): Payoff

Reviewer Comment (2021-02-24): Payoff provided that matches PCCD

Cleared

02/24/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302147496

19850436

02/09/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-03-01): VVOE provided and input Seller Comment (2021-02-26): Previous VVOE xxxx attached Reviewer Comment (2021-02-24): We still need a VOE from the previous employer xxxx. A copy of the xxxx VOE was uploaded again and we already have one for this employer Seller Comment (2021-02-23): VOE uploaded

Reviewer Comment (2021-03-01): VVOE provided and input Reviewer Comment (2021-02-24): We still need a VOE from the previous employer xxxx. A copy of the xxxx VOE was uploaded again and we already have one for this employer

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302147496

19850775

02/09/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-03-01): VVOE provided and input Reviewer Comment (2021-02-24): We still need a VOE from the previous employer xxxx to establish a complete 2yr history for the borrower Seller Comment (2021-02-23): VOE uploaded

Reviewer Comment (2021-03-01): VVOE provided and input Reviewer Comment (2021-02-24): We still need a VOE from the previous employer xxxx to establish a complete 2yr history for the borrower

Cleared

03/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302401382

20117101

03/04/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-03-16): Unable to locate the referenced document. Seller Comment (2021-03-15): Business income for xxxx is negative and employment verification is not required. Please waive.

Reviewer Comment (2021-03-16): Unable to locate the referenced document.

Open_unable_to_clear

N

2

2

B

B

B

B

B

B

B

B

B

B

302137253

19261740

xxxx  4:18:59 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $276.54 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-01-14): xxxx received changed circumstance. Buyer Comment (2021-01-08): COC docs was uploaded 1/4/2020 and there was no updated comments regarding this document, however reflected as reviewed? Please confirm if the documentation was reviewed and if adequate to clear. Buyer Comment (2021-01-04): COC

Reviewer Comment (2021-01-14): xxxx received changed circumstance.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302137253

19261741

xxxx  4:18:59 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $74.00 exceeds tolerance of $50.00.  Insufficient or no cure was provided to the borrower. (7520)

Reviewer Comment (2021-01-21): xxxx received copy of final settlement statement confirming refund to borrower at disbusement within 60 days of closing & Corrected Closing Disclosure Reviewer Comment (2021-01-21): xxxx reviewed final settlement statement and confirmed lender credit to borrower for cure at disbursement.  Please provide copy of LOE to borrower that accompanied the corrected CD to finalize cure requirements. Buyer Comment (2021-01-15): Please review the FSS page D0099 showing the credit matching PCCD. Reviewer Comment (2021-01-14): xxxx received corrected CD.  Missing copy of refund check on cure, proof of mailing and copy of LOE to borrower to finalize cure. Buyer Comment (2021-01-08): Per lender this specific condition was cured at closing and disclosed on the final CD. Please amend this condition as the seller cured the $24 difference at closing. Reviewer Comment (2021-01-08): xxxx received changed circumstance issued 11-10-20.  The reason for change was for interest rate to 3% and points change.  This change would not affect the credit report fee and is not valid for that increase.  In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change.  A valid Changed Circumstance or cure requirements of Corrected CD, LOE to borrower, proof of mailing and copy of refund check are required. Buyer Comment (2021-01-08): COC docs was uploaded 1/4/2020 and there was no updated comments regarding this document; however it  reflected reviewed?  Please  confirm if the documentation was reviewed and if adequate to clear. Buyer Comment (2021-01-04): PCCD

Reviewer Comment (2021-01-21): xxxx received copy of final settlement statement confirming refund to borrower at disbusement within 60 days of closing & Corrected Closing Disclosure Reviewer Comment (2021-01-21): xxxx reviewed final settlement statement and confirmed lender credit to borrower for cure at disbursement.  Please provide copy of LOE to borrower that accompanied the corrected CD to finalize cure requirements. Reviewer Comment (2021-01-14): xxxx received corrected CD.  Missing copy of refund check on cure, proof of mailing and copy of LOE to borrower to finalize cure. Reviewer Comment (2021-01-08): xxxx received changed circumstance issued 11-10-20.  The reason for change was for interest rate to 3% and points change.  This change would not affect the credit report fee and is not valid for that increase.  In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change.  A valid Changed Circumstance or cure requirements of Corrected CD, LOE to borrower, proof of mailing and copy of refund check are required.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302137253

19261819

xxxx  4:28:02 PM

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2020-12-29): PCCD provided to revise disbursement date. Buyer Comment (2020-12-22): Post Close Closing Disclosure in file (AMC images page 132) reflects disbursement date was xxxx. Loan closed on xxxx and ROR expired on xxxx.

Reviewer Comment (2020-12-29): PCCD provided to revise disbursement date.

Cleared

xxxx  4:57:42 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302137253

19261840

xxxx  4:30:28 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-08): SHQM Loan

Reviewer Comment (2021-01-08): SHQM Loan

Cleared

01/08/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302137253

19264886

xxxx  8:44:41 PM

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-01-08): File contains 2 years signed tax returns and YTD P&L/Balance Sheet.  Minor loss offset against the positive income on the account. Buyer Comment (2020-12-31): Negative income was included in the DTI, income not being used in qualification  Third party verification would not be required.

Reviewer Comment (2021-01-08): File contains 2 years signed tax returns and YTD P&L/Balance Sheet.  Minor loss offset against the positive income on the account.

Cleared

01/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302137253

19264897

xxxx  8:48:43 PM

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Other

Reviewer Comment (2021-01-14): REO payment amounts documented. Buyer Comment (2021-01-09): Mtg statement for xxxx

Reviewer Comment (2021-01-14): REO payment amounts documented.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327095

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302273056

19594986

01/20/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2019)

Reviewer Comment (2021-02-10): W2's provided. Buyer Comment (2021-02-08): Uploaded 2018 & 2019 W-2's

Reviewer Comment (2021-02-10): W2's provided.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369329

19943241

02/18/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Other

Reviewer Comment (2021-03-01): Lender provided copy of Flood insurance. Seller Comment (2021-02-26): Flood ins uploaded

Reviewer Comment (2021-03-01): Lender provided copy of Flood insurance.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290216

19628827

01/21/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-02-10): Lender elects to exclude rental income for this property.  DTI within guidelines. Buyer Comment (2021-02-08): Per the final 1003  rental income was not used for this property. The  Lenders ratios 41.74% not using rental income. Please hit  for full PITIA

Reviewer Comment (2021-02-10): Lender elects to exclude rental income for this property.  DTI within guidelines.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290216

19628828

01/21/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-10): Lender elects to exclude rental income for this property.  DTI within guidelines.

Reviewer Comment (2021-02-10): Lender elects to exclude rental income for this property.  DTI within guidelines.

Cleared

02/10/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302290216

19629011

01/21/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 16,964.40 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-15): Received PCCD issued xxxx reflecting corrected property costs and a LOX. Buyer Comment (2021-02-11): Uploaded PCCD Reviewer Comment (2021-02-04): Please also provide accompanying corrected CD. Buyer Comment (2021-02-01): Uploaded LOE

Reviewer Comment (2021-02-15): Received PCCD issued xxxx reflecting corrected property costs and a LOX. Reviewer Comment (2021-02-04): Please also provide accompanying corrected CD.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302290216

19629012

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $3,543.12 exceeds tolerance of $1,323.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-02-05): xxxx received VCC, exception is cleared. Buyer Comment (2021-02-01): Uploaded COC

Reviewer Comment (2021-02-05): xxxx received VCC, exception is cleared.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290216

19629148

01/22/2021

Credit

Document Error

Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.

Borrower: xxxx

Reviewer Comment (2021-02-10): Non-perm resident status with H1B visa documented. Buyer Comment (2021-02-10): Visa uploaded

Reviewer Comment (2021-02-10): Non-perm resident status with H1B visa documented.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338132

19864750

02/09/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-02-24): Express program confirmed. Seller Comment (2021-02-23): Express program follows DU, DU did not require a VOR

Reviewer Comment (2021-02-24): Express program confirmed.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338132

19865013

02/09/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-03-01): Explanation letter provided. Seller Comment (2021-02-26): Gap in employment explanation attached

Reviewer Comment (2021-03-01): Explanation letter provided.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338132

19865014

02/09/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-01): Explanation letter provided.

Reviewer Comment (2021-03-01): Explanation letter provided.

Cleared

03/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302336653

19951983

02/18/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-02-26):xxxx:  Document has been received.  Exception has been cleared. Seller Comment (2021-02-25): Payoff provided but not cleared and downgraded to a 2. Why wasn't it cleared? Reviewer Comment (2021-02-24): Provided payoff Seller Comment (2021-02-23): Payoff

Reviewer Comment (2021-02-26):xxxx:  Document has been received.  Exception has been cleared. Reviewer Comment (2021-02-24): Provided payoff

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302336653

19953804

02/19/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-03-09): Evidence of delivery provided. Seller Comment (2021-03-08): Appraisal delivery Reviewer Comment (2021-03-02): Received earlier dated appraisal.  Missing evidence when the appraisal dated xxxx was sent to the borrower. Seller Comment (2021-02-26): Original appraisal Reviewer Comment (2021-02-26):xxxx:  No new documentation has been received for this exception.    The exception remains open.

Reviewer Comment (2021-03-09): Evidence of delivery provided. Reviewer Comment (2021-03-02): Received earlier dated appraisal.  Missing evidence when the appraisal dated xxxx was sent to the borrower. Reviewer Comment (2021-02-26):xxxx:  No new documentation has been received for this exception.    The exception remains open.

Cleared

03/09/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302470351

20105661

03/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,450.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower. (7506)

Reviewer Comment (2021-03-04): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2021-03-04): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302457713

No Finding

Loan Completed Without Finding

Review Complete

03/10/2021

1

1

302457712

No Finding

Loan Completed Without Finding

Review Complete

03/08/2021

1

1

302461617

20152438

03/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $4,247.10 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (7200)

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302461617

20152439

03/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of $450.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (7561)

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302461617

20152440

03/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $700.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (7567)

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302411643

No Finding

Loan Completed Without Finding

Review Complete

03/08/2021

1

1

302339282

19612401

01/21/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-01): Provided replacement cost estimator Seller Comment (2021-01-28): Please see the uploaded replacement cost estimator, included with the policy.

Reviewer Comment (2021-02-01): Provided replacement cost estimator

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302339282

19613351

01/21/2021

Compliance

Federal Compliance

K-1 Documentation

Qualified Mortgage (Dodd-Frank 2014): Required K-1s or signed tax returns/transcripts not provided for K-1 (Less than 25% Ownership) income. (xxxx/Schedule K-1 less than 25 Percent)

Reviewer Comment (2021-01-27): Received K-1's. Seller Comment (2021-01-25): income documents

Reviewer Comment (2021-01-27): Received K-1's.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302339282

19613352

01/21/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - K-1 Less 25%

Ability to Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (xxxx/Schedule K-1 less than 25 Percent)

Reviewer Comment (2021-01-27): Received K-1's. Seller Comment (2021-01-25): income documents

Reviewer Comment (2021-01-27): Received K-1's.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302339282

19613353

01/21/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-27): Received K-1's.

Reviewer Comment (2021-01-27): Received K-1's.

Cleared

01/27/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302339282

19613354

01/21/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-01-27): Received K-1's. Seller Comment (2021-01-25): income documents

Reviewer Comment (2021-01-27): Received K-1's.

Cleared

01/27/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302096481

No Finding

Loan Completed Without Finding

Review Complete

02/01/2021

1

1

302317911

19721504

01/29/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-12): Received title commitment with sufficient coverage. Seller Comment (2021-02-12): Updated title report

Reviewer Comment (2021-02-12): Received title commitment with sufficient coverage.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302046212

18659087

10/09/2020

Credit

Credit Documentation

Missing Document: Credit Report not provided

Reviewer Comment (2020-10-19): Received credit report

Reviewer Comment (2020-10-19): Received credit report

Cleared

xxxx  9:24:36 AM

N

3

1

D

A

D

A

D

A

D

A

D

A

302046212

18659857

10/09/2020

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2020-10-19): Regraded for extension. Reviewer Comment (2020-10-19): Regraded to EV2-B. Tax Return Recency issue. File contains 2017 and 2018 personal returns, with 2018 and 2019 business returns, but the 2019 personal 1040s are on extension. Seller Comment (2020-10-15): DS: Please clear and see attached NROR for 2019 as well as 2019 extension 4868 form.  The was provided on page 132 and 700.

Reviewer Comment (2020-10-19): Regraded for extension. Reviewer Comment (2020-10-19): Regraded to EV2-B. Tax Return Recency issue. File contains 2017 and 2018 personal returns, with 2018 and 2019 business returns, but the 2019 personal 1040s are on extension.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302046212

18659858

10/09/2020

Compliance

Federal Compliance

General Ability To Repay Provision Credit History

Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records.

Reviewer Comment (2020-10-19): Received credit report Seller Comment (2020-10-19): DS: Please see attached credit report. Reviewer Comment (2020-10-18): Document provided is not in a standard readable format. Seller Comment (2020-10-15): DS: Please clear and see attached credit report and pages 37-53 in original upload as this was sent.

Reviewer Comment (2020-10-19): Received credit report Reviewer Comment (2020-10-18): Document provided is not in a standard readable format.

Cleared

xxxx  9:26:32 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302046212

18659860

10/09/2020

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2020-10-19): Received credit report.

Reviewer Comment (2020-10-19): Received credit report.

Cleared

xxxx  9:26:32 AM

N

1

1

A

A

A

A

A

A

A

A

A

A

302046212

18659861

10/09/2020

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2020-10-19): SHQM Loan Seller Comment (2020-10-15): DS: Please clear and see attached NROR for 2019 as well as 2019 extension 4868 form. The was provided on page 132 and 700.

Reviewer Comment (2020-10-19): SHQM Loan

Cleared

xxxx  10:22:49 AM

N

3

1

B

A

C

A

C

A

B

A

B

A

302046212

18659944

10/09/2020

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclouse Amount of Non-Escrowed Property Costs over Year 1 (Final/xxxx)

Reviewer Comment (2020-10-27): xxxx received a corrected CD and LOE. Seller Comment (2020-10-26): 10/26  LBW  Please see attached.

Reviewer Comment (2020-10-27): xxxx received a corrected CD and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302046212

18666676

xxxx  5:07:33 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Combined loan to value discrepancy.

Calculated combined loan to value percentage of 84.52381% exceeds Guideline combined loan to value percentage of 80.00000%.

Reviewer Comment (2020-10-18): CLTV up to 90% allowed for 1 unit primary residence. Seller Comment (2020-10-15): DS: Please see attached Jumbo Bank Buster product Matrix that shows CLTV can go up to 90% on R&T.

Reviewer Comment (2020-10-18): CLTV up to 90% allowed for 1 unit primary residence.

Cleared

xxxx  9:06:26 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302388308

19391690

xxxx  12:18:21 PM

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-10,161.29  is less than amount of binding Lender Credit previously disclosed in the amount of $-11,027.00. (9300)

Reviewer Comment (2021-02-11): Received copy of the change of circumstance.

Reviewer Comment (2021-02-11): Received copy of the change of circumstance.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388308

19391691

xxxx  12:18:21 PM

Compliance

Federal Compliance

TRID Loan Estimate Issue Date Not Provided

TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on xxxx did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Interxxxx020)

Reviewer Comment (2021-01-12): Provided all pages of LE xxxx Seller Comment (2021-01-07): 1/7/2021 RF please see attached page 1 of LE dated xxxx, please clear condition.  Thank you.

Reviewer Comment (2021-01-12): Provided all pages of LE xxxx

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388308

19391692

xxxx  12:18:21 PM

Compliance

Federal Compliance

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxx not received by borrower at least four (4) business days prior to closing. (Interxxxx020)

Reviewer Comment (2021-01-12): Provided evidence of same day receipt Seller Comment (2021-01-07): 1/7/2021 Please see attached xxxx LE and Trid History showing borrower received. Please clear condition.  Thank you

Reviewer Comment (2021-01-12): Provided evidence of same day receipt

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388308

19391693

xxxx  12:18:21 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $525.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7507)

Reviewer Comment (2021-02-02): Received PCCD issuedxxxx reflecting a tolerance cure of $525, a LOX, copy of refund check and evidence of delivery. Seller Comment (2021-01-28):xxxxF agree - Refund to borrower $525.00 see attached LOX, revised CD, proof of delivery and check to borrower.

Reviewer Comment (2021-02-02): Received PCCD issuedxxxx reflecting a tolerance cure of $525, a LOX, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302405814

19596184

01/20/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-17): Provided replacement cost estimator Seller Comment (2021-02-16): 2/16 DS: Please clear and see attached replacement cost estimator for this insurance policy.

Reviewer Comment (2021-02-17): Provided replacement cost estimator

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405814

19596988

01/20/2021

Compliance

Federal Compliance

QM Points and Fees

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or .98960%).

Reviewer Comment (2021-03-02): Received evidence of bona fide discount. Seller Comment (2021-02-26): 02-26-21 DI Disagree - QM Worksheet was provided which documents the undiscounted rate as agreed upon by UWM/xxxx/AMC. The difference between the Par Rate and APOR is .223% allowing for 2% bona fide points . $11,580 of the total $12,280.59 discount charge is bona fide. The total points and fees of $24,915.59 minus the Bona Fide Points of $11,580 is $13,335.59 on a total loan amount financed of $552,544.18 is 2.414%. Please see attached QM results Reviewer Comment (2021-01-29): Documentation provided indicates a par rate, but additional clarification is required. Please provide the undiscounted rate and the price in order to determine if discount points are bona fide and eligible for exclusion. Exception remains open. Seller Comment (2021-01-26): 01-26-21 DI Please see attachment

Reviewer Comment (2021-03-02): Received evidence of bona fide discount. Reviewer Comment (2021-01-29): Documentation provided indicates a par rate, but additional clarification is required. Please provide the undiscounted rate and the price in order to determine if discount points are bona fide and eligible for exclusion. Exception remains open.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405814

19597037

01/20/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-02): Received evidence of bona fide discount. Seller Comment (2021-02-26): 02-26-21 DI Disagree - QM Worksheet was provided which documents the undiscounted rate as agreed upon by UWM/xxxx/AMC. The difference between the Par Rate and APOR is .223% allowing for 2% bona fide points . $11,580 of the total $12,280.59 discount charge is bona fide. The total points and fees of $24,915.59 minus the Bona Fide Points of $11,580 is $13,335.59 on a total loan amount financed of $552,544.18 is 2.414%. Please see attached QM results Reviewer Comment (2021-02-17): Designation is Temp SHQM.  Par rate provided.  Please also provided associated price so that testing can be re-run. Seller Comment (2021-02-16): 2/16 DS: please see attached AUS response. This loan is a conventional LP loan. This is not a QM loan.

Reviewer Comment (2021-03-02): Received evidence of bona fide discount. Reviewer Comment (2021-02-17): Designation is Temp SHQM.  Par rate provided.  Please also provided associated price so that testing can be re-run.

Cleared

03/02/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302405814

19597506

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $12,280.59 exceeds tolerance of $11,846.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-03-04): xxxx received VCCs. Seller Comment (2021-02-26): 02-26-21 DI Disagree - The loan locked on 11/04 disclosing discount points of $11,267. On 12/7, the Broker re-locked the loan causing the discount point to increase to $11,846. This was disclosed to the borrower on the 12/7 LE. On 12/15, the Broker extended the rate lock causing the discount points to increase again to $12,280.59, and a subsequent CD was sent to the borrower on 12/15. See attached supporting documents Seller Comment (2021-02-26): 02-26-2021 DI Disagree - The loan locked on 11/04 disclosing discount points of $11,267. On 12/7, the Broker re-locked the loan causing the discount point to increase to $11,846. This was disclosed to the borrower on the 12/7 LE. On 12/15, the Broker extended the rate lock causing the discount points to increase again to $12,280.59, and a subsequent CD was sent to the borrower on 12/15. See attached supporting documents

Reviewer Comment (2021-03-04): xxxx received VCCs.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405814

19615174

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103)

Reviewer Comment (2021-03-02): Lender provided COC. Seller Comment (2021-02-26): 02-26-21 DI Disagree - Appraisal was received on 11/23, which required a final inspection. Broker submitted a change of circumstance on 11/23 adding the final inspection fee. This fee was susbequently re-disclosed to the borrower on the 11/23 LE. See attached supporting documents. Seller Comment (2021-02-26): 02-26-21  DI Disagree - Appraisal was received on 11/23, which required a final inspection. Broker submitted a change of circumstance on 11/23 adding the final inspection fee. This fee was susbequently re-disclosed to the borrower on the 11/23 LE. See attached supporting documents.

Reviewer Comment (2021-03-02): Lender provided COC.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393540

19408167

01/04/2021

Compliance

Federal Compliance

Income Method of Calculation

Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. (xxxx/Schedule C)

Reviewer Comment (2021-01-18): Received evidence of AUS approved. Seller Comment (2021-01-18): 1/18 DS: Please rescind and see attached LP findings which only requires one year calculation when the business has been active for 5 or more years. This is a conventional LP loan.  AUS finding xxxx under employment and income.

Reviewer Comment (2021-01-18): Received evidence of AUS approved.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393540

19408170

01/04/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-01-18): Received evidence of AUS approved. Seller Comment (2021-01-18): 1/18 DS: Please rescind and see attached LP rental guideline. Only most recent years of returns are needed. The lease is only needed when the rental income is being calculated from the lease.

Reviewer Comment (2021-01-18): Received evidence of AUS approved.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393540

19408171

01/04/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-01-18): Received evidence of AUS approved. Seller Comment (2021-01-18): 1/18 DS: Please rescind this condition as this income is positive and not being used to qualify. This is a conventional LP loan.

Reviewer Comment (2021-01-18): Received evidence of AUS approved.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393540

19408172

01/04/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-18): Received evidence of AUS approved. Seller Comment (2021-01-18): 1/18 DS: Please rescind this condition as this income is positive and not being used to qualify. This is a conventional LP loan.

Reviewer Comment (2021-01-18): Received evidence of AUS approved.

Cleared

01/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302393540

19457135

01/06/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-01-18): Received assets. Seller Comment (2021-01-18): 1/18 DS: please see attached LP findings showing no reserves. This is a conventional loan and not a QM loan. Reserves are not required.

Reviewer Comment (2021-01-18): Received assets.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393540

19457142

01/06/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $0.00 is less than Cash From Borrower $24,409.95.

Reviewer Comment (2021-01-18): Received assets. Seller Comment (2021-01-18): 1/18 DS: Please rescind and see attached LP findings for this conventional loan. Please cite LP guideline that states business assets cannot be used.

Reviewer Comment (2021-01-18): Received assets.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393540

19491783

01/08/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-01-18): Received AUS. Seller Comment (2021-01-18): 1/18 DS: Please rescind this condition as this income is positive and not being used to qualify. This is a conventional LP loan. Seller Comment (2021-01-14): 01-14-21 DI Please see attachment. Thank You! Reviewer Comment (2021-01-14): Received AUS dated 11/4/2020 but the loan amount and LTV/CLTV do not match.  Please provided updated AUS with correct information. Seller Comment (2021-01-11): AUS

Reviewer Comment (2021-01-18): Received AUS. Reviewer Comment (2021-01-14): Received AUS dated 11/4/2020 but the loan amount and LTV/CLTV do not match.  Please provided updated AUS with correct information.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393540

19492155

01/08/2021

Credit

Document Error

Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19).

Borrower: xxxx // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: xxxx Application Date:  xxxx;

Reviewer Comment (2021-01-22): Received updated verification of self employed business. Seller Comment (2021-01-21): 1/21 DS: Please clear and see attached VOB. Reviewer Comment (2021-01-20): Sole Proprietorship income is the sole source of income. Buyer Comment (2021-01-18): 1/18 DS: Please rescind as this income is not being used therefore a VOB is not needed.

Reviewer Comment (2021-01-22): Received updated verification of self employed business. Reviewer Comment (2021-01-20): Sole Proprietorship income is the sole source of income.

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393540

19492326

01/08/2021

Credit

Document Error

YTD P&L Statement was not signed and/oor dated  by Borrower.  (GSE COVID-19)

Borrower: xxxx // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: xxxx // Document: P&L Statement / Document Date: xxxx / Tax Year: <empty>

Reviewer Comment (2021-01-26): Received the signed and dated P&L.

Reviewer Comment (2021-01-26): Received the signed and dated P&L.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393540

19492327

01/08/2021

Credit

Income Eligibility

Borrower has un-audited YTD P&L and  does not have 2 months bank statements. (GSE COVID-19)

Borrower: xxxx // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: xxxx

Reviewer Comment (2021-01-20): Received 2nd month bank statement. Seller Comment (2021-01-18): 1/18 DS: Please see attached business assets. Schedule C income was not used and therefore assets are not needed.

Reviewer Comment (2021-01-20): Received 2nd month bank statement.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388292

19394500

xxxx  4:14:38 PM

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-01-08): Provided short form policy at $xxxx Seller Comment (2021-01-07): Final TP

Reviewer Comment (2021-01-08): Provided short form policy at $xxxx

Cleared

01/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388292

19394699

xxxx  4:38:01 PM

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.22472% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-01-14): Received evidence of xxxx being a monthly balance and secured by assets. Seller Comment (2021-01-12): 1/12 DS: Please see attached DU findings that states open xxxx account needs reserves shown for $347, the balance of the xxxx. This is a conventional high balance loan. Conventional guidelines are used.

Reviewer Comment (2021-01-14): Received evidence of xxxx being a monthly balance and secured by assets.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388292

19394704

xxxx  4:39:05 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-01-14): Received evidence of xxxx being a monthly balance and secured by assets. Seller Comment (2021-01-12): 1/12 DS: Please see attached DU findings. This is a conventional high balance loan. Conventional guidelines are used.

Reviewer Comment (2021-01-14): Received evidence of xxxx being a monthly balance and secured by assets.

Cleared

01/14/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302388292

19394731

xxxx  4:40:51 PM

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-01-14): Received evidence of xxxx being a monthly balance and secured by assets. Seller Comment (2021-01-12): 1/12 DS: Please see attached DU findings that states open xxxx account needs reserves shown for $347, the balance of the xxxx. This is a conventional high balance loan. Conventional guidelines are used.

Reviewer Comment (2021-01-14): Received evidence of xxxx being a monthly balance and secured by assets.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388292

19394797

xxxx  4:48:32 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 46.22472% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-01-14): Received evidence of xxxx being a monthly balance and secured by assets. Seller Comment (2021-01-12): 1/12 DS: Please see attached DU findings that states open xxxx account needs reserves shown for $347, the balance of the xxxx. This is a conventional high balance loan. Conventional guidelines are used.

Reviewer Comment (2021-01-14): Received evidence of xxxx being a monthly balance and secured by assets.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388292

19394798

xxxx  4:48:32 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of  is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-01-14): Received assets. Seller Comment (2021-01-12): 1/12 DS: Please see attached DU findings that states open xxxx account needs reserves shown for $347, the balance of the xxxx. This is a conventional high balance loan. Conventional guidelines are used.

Reviewer Comment (2021-01-14): Received assets.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388292

19394848

xxxx  4:51:40 PM

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-01-14): Received evidence of xxxx being a monthly balance and secured by assets. Seller Comment (2021-01-12): 1/12 DS: Please see attached DU findings that states open xxxx account needs reserves shown for $347, the balance of the xxxx. This is a conventional high balance loan. Conventional guidelines are used.

Reviewer Comment (2021-01-14): Received evidence of xxxx being a monthly balance and secured by assets.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388292

19554010

01/14/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-01-18): Received corrected AUS. Seller Comment (2021-01-14): 1/14 DS: Please clear and see attached AUS with $645,000 loan amount.

Reviewer Comment (2021-01-18): Received corrected AUS.

Cleared

01/18/2021

N

3

1

A

A

A

A

A

302393532

19396086

xxxx  9:55:11 PM

Compliance

Federal Compliance

TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File

TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $10,835.00 may be required.

Reviewer Comment (2021-01-13): Provided LE's Seller Comment (2021-01-08): 1/8/2021 RF Please see attached LE's: 11/9, 11/12 and Trid history, 11/13. Please clear the condition. Thank you

Reviewer Comment (2021-01-13): Provided LE's

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393532

19396094

xxxx  9:59:06 PM

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-8,723.99  is less than amount of binding Lender Credit previously disclosed in the amount of $-11,299.05. (9300)

Reviewer Comment (2021-01-13): Provided LE's

Reviewer Comment (2021-01-13): Provided LE's

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393532

19426799

01/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726)

Reviewer Comment (2021-01-16): Same provider. Seller Comment (2021-01-15):xxxx RF The title fees are not subject to tolerance because the borrower did not choose from the SPL (attached), please waive the condition.  Thank you.

Reviewer Comment (2021-01-16): Same provider.

Cleared

01/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393532

19454673

01/06/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1120S

Reviewer Comment (2021-01-26): Received copy of the Accept LP; loan meets Temporary Safe Harbor requirements.

Reviewer Comment (2021-01-26): Received copy of the Accept LP; loan meets Temporary Safe Harbor requirements.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393532

19540641

01/13/2021

Compliance

Federal Compliance

TRID Settlement Service Provider Status

TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.

Reviewer Comment (2021-01-16): Received SSPL

Reviewer Comment (2021-01-16): Received SSPL

Cleared

01/16/2021

N

1

1

A

A

A

A

A

302393532

19540642

01/13/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation.  Fee Amount of $7,650.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7326)

Reviewer Comment (2021-01-13): Provided LE's

Reviewer Comment (2021-01-13): Provided LE's

Cleared

01/13/2021

N

3

1

A

A

A

A

A

302393532

19573772

01/16/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-26): Received copy of the Accept LP; loan meets Temporary Safe Harbor requirements.

Reviewer Comment (2021-01-26): Received copy of the Accept LP; loan meets Temporary Safe Harbor requirements.

Cleared

01/26/2021

N

3

1

A

A

A

A

A

302393532

19573773

01/16/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-26): Received copy of the Accept LP; loan meets Temporary Safe Harbor requirements.

Reviewer Comment (2021-01-26): Received copy of the Accept LP; loan meets Temporary Safe Harbor requirements.

Cleared

01/26/2021

N

3

1

A

A

A

A

A

302405765

19600570

01/20/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-21): Received evidence of bona fide discount. Seller Comment (2021-02-19): kc 2/19  Disagree - Please see the provided SH Disclosure and Passing QM Tests.   Please waive this condition, thank you. Reviewer Comment (2021-02-17): Please provide rate sheet or other documentation to verify the Undiscounted Interest Rate AND the Undiscounted Interest Rate Price to very bona fide discount points. Seller Comment (2021-02-16): kcxxxxDisagree - Please see the provided SH Disclosure and Passing QM Tests.  Please waive this condition, thank you.

Reviewer Comment (2021-02-21): Received evidence of bona fide discount. Reviewer Comment (2021-02-17): Please provide rate sheet or other documentation to verify the Undiscounted Interest Rate AND the Undiscounted Interest Rate Price to very bona fide discount points.

Cleared

02/21/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302405765

19600572

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $18,515.00 exceeds tolerance of $17,615.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-03-01): Received the CIC for the rate lock extension.

Reviewer Comment (2021-03-01): Received the CIC for the rate lock extension.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405765

19600576

01/20/2021

Compliance

Federal Compliance

QM Points and Fees

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or .98960%).

Reviewer Comment (2021-02-21): Received evidence of bona fide discount. Seller Comment (2021-02-19): kc 2/19 resubmitting:  Disagree - Please see provided QM Test. Included Fees ($39,695.00) - Bona Fide Points ($18,000.00) = Total Fees ($21,695.00) / Amount Finance ($878, 147.44) = Total Fees Percentage (2.471%).  This falls within the acceptable range.   Please waive condition, thank you. Reviewer Comment (2021-02-17): Please provide rate sheet or other documentation to verify the Undiscounted Interest Rate AND the Undiscounted Interest Rate Price to very bona fide discount points. Seller Comment (2021-02-16): kcxxxx Disagree - Please see provided QM Test. Included Fees ($39,695.00) - Bona Fide Points ($18,000.00) = Total Fees ($21,695.00) / Amount Finance ($878, 147.44) = Total Fees Percentage (2.471%).  This falls within the acceptable range. Please waive this condition, thank you

Reviewer Comment (2021-02-21): Received evidence of bona fide discount. Reviewer Comment (2021-02-17): Please provide rate sheet or other documentation to verify the Undiscounted Interest Rate AND the Undiscounted Interest Rate Price to very bona fide discount points.

Cleared

02/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405765

19600609

01/20/2021

Credit

Closing / Title

Title Error: Title vesting does not concur with deed

Reviewer Comment (2021-02-09): Provided deed  for xxxx and xxxx in which xxxx relinquished their rights to holding title, however Current mortgage still reflects husband and wife as joint tenants vs. Soley.as Final Title reads Seller Comment (2021-02-05): 02/05 DL: Please rescind. Borrower xxxx relinquished their rights to holding title. See email attached from the title company, as well as the deed mentioned. The deed mentions "xxxx" which is an AKA for the borrower, attached credit report for support. Reviewer Comment (2021-02-05): Vesting does not match.  Mortgage reflects joint tenants, final title reflects sole ownership for xxxx. Seller Comment (2021-02-01): 02/01 DL: Please rescind. Please cite where this is required. It is only required for at least one borrower to have been vested on title for at least 12 months. Chain of title shows the borrower xxxx acquired title to the property in 1992, continuity of obligation has been met. Guideline attached.

Reviewer Comment (2021-02-09): Provided deed  for xxxx and xxxx in which xxxx relinquished their rights to holding title, however Current mortgage still reflects husband and wife as joint tenants vs. Soley.as Final Title reads Reviewer Comment (2021-02-05): Vesting does not match.  Mortgage reflects joint tenants, final title reflects sole ownership for xxxx.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405765

19615870

01/21/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-03): Received evidence of 100% full replacement coverage. Seller Comment (2021-02-01): 02/01 DL: Please rescind. See attached policy which states "Dwelling - 100% Full Replacement Coverage". Full replacement coverage is 100% of repair or rebuilding costs, without limits.

Reviewer Comment (2021-02-03): Received evidence of 100% full replacement coverage.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393518

19415929

01/04/2021

Compliance

Federal Compliance

TRID Loan Estimate Issue Date Not Provided

TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on xxxx did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Interxxxx020)

Reviewer Comment (2021-01-12): Provided all pages of LE's Seller Comment (2021-01-08): 1/8/2021 Please see attached completed xxxx LE and Trid History, please clear thank you

Reviewer Comment (2021-01-12): Provided all pages of LE's

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393518

19415930

01/04/2021

Compliance

Federal Compliance

TRID Loan Estimate Issue Date Not Provided

TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on xxxx did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Interxxxx020)

Reviewer Comment (2021-01-12): Provided all pages of LE's Seller Comment (2021-01-08): 1/8/2021 RF Please see attached xxxxE, please clear the condition.  Thank you

Reviewer Comment (2021-01-12): Provided all pages of LE's

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393518

19415931

01/04/2021

Compliance

Federal Compliance

TRID Loan Estimate Issue Date Not Provided

TILA-RESPA Integrated Disclosure: Loan Estimate estimated to be provided on xxxx did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Interxxxx020)

Reviewer Comment (2021-01-12): Provided all pages of LE's Seller Comment (2021-01-08): 1/8/2021 Please see attached complete xxxxE, please clear condition.  Thank you

Reviewer Comment (2021-01-12): Provided all pages of LE's

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388243

19391226

xxxx  11:32:58 AM

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 996.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-09): Letter of Explanation & Corrected Closing Disclosure provided to borrower Seller Comment (2021-02-05): 2/5 KC Agree - Please see the updated Appraisal, PCCD, LOX, and mailing confirmation. Please clear condition, thank you.

Reviewer Comment (2021-02-09): Letter of Explanation & Corrected Closing Disclosure provided to borrower

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302388243

19391227

xxxx  11:32:58 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $32.50 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302405671

19594190

01/20/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-03-05): xxxx received PCCD and FSS indicating fee was not charged at closing. Seller Comment (2021-02-26): kc 2/26Disagree - Discount points were not charged to the borrower at closing. See attached Settlement statement, PCCD and Letter to Borrower.   Thanks for your help! Seller Comment (2021-02-26): kc 2/26  please see revised CD.   Thank you for waiving this condition.

Reviewer Comment (2021-03-05): xxxx received PCCD and FSS indicating fee was not charged at closing.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405671

19594191

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $205.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-03-05): xxxx received PCCD and FSS indicating fee was not charged at closing. Seller Comment (2021-02-26): kc 2/26 Disagree - Discount points were not charged to the borrower at closing. See attached Settlement statement, PCCD and Letter to Borrower.   Thanks for your help! Seller Comment (2021-02-26): kc 2/26  final CD was origination fee not discount points.    Please waive condition.  Thank you

Reviewer Comment (2021-03-05): xxxx received PCCD and FSS indicating fee was not charged at closing.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405671

19594192

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $600.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-03-05): A cure was provided at closing. Seller Comment (2021-02-26): kc 2/26 Disagree - This tolerance was already applied as a credit to the borrower on the 12/18 final CD. See attached Disbursement Ledger to confirm.   Thank you Seller Comment (2021-02-26): kc 2/26   settlement statement shows lender credit for $106 for appraisal  $100 and credit report $6.    Please waive condition, thank you!

Reviewer Comment (2021-03-05): A cure was provided at closing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302405671

19594193

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $56.00 exceeds tolerance of $50.00.  Insufficient or no cure was provided to the borrower. (7520)

Reviewer Comment (2021-03-05): A cure was provided at closing. Seller Comment (2021-02-26): kc 2/26Disagree - This tolerance was already applied as a credit to the borrower on the 12/18 final CD. See attached Disbursement Ledger to confirm.   Please waive, thank you Seller Comment (2021-02-26): kc 2/26  final settlement statement provided to show lender credit of $106--$6 for credit report & $100 for appraisal (condition above) .  Please waive condition, thank you!

Reviewer Comment (2021-03-05): A cure was provided at closing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302405671

19611846

01/21/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-18): Cleared. Seller Comment (2021-02-17): 02/17 DL: Please rescind. See attached LP findings confirming this is a Conventional loan, VOE from previous employers is not required. Also attached 1003 which shows the borrower was employed at xxxx from xxxx-xxxx, attached 2018 and 2019 W-2s from xxxx. Borrower then worked at xxxx from xxxx-xxxx, attached 2019 W-2 from xxxx. 2 year history has been sufficiently documented. Other condition had the exact same comment but was accepted, please elaborate why the condition is rejected if this is not required. Reviewer Comment (2021-02-16): Agency loan, did not require VOE from prior employer. Seller Comment (2021-02-15): 02/15 DL: Please rescind. See attached LP findings confirming this is a Conventional loan, VOE from previous employers is not required. Also attached 1003 which shows the borrower was employed at xxxx from xxxx-xxxx, attached 2018 and 2019 W-2s from xxxx Borrower then worked at xxxx from xxxx-xxxx, attached 2019 W-2 from xxxx. 2 year history has been sufficiently documented. Reviewer Comment (2021-01-27): Received VOE from xxxx.  Missing VOE from prior employers xxxx and xxxx to verify a 2 year employment history. Seller Comment (2021-01-25): 1/25 kc   Verification of employment was submitted in original file, please waive condition.  Thank you

Reviewer Comment (2021-02-18): Cleared. Reviewer Comment (2021-02-16): Agency loan, did not require VOE from prior employer. Reviewer Comment (2021-01-27): Received VOE from xxxx.  Missing VOE from prior employers xxxx and xxxx to verify a 2 year employment history.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405671

19611847

01/21/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-18): Cleared. Seller Comment (2021-02-17): 02/17 DL: Please rescind. See attached LP findings confirming this is a Conventional loan, VOE from previous employers is not required. Also attached 1003 which shows the borrower was employed at xxxx from xxxx-xxxx, attached 2018 and 2019 W-2s from xxxx. Borrower then worked at xxxx from xxxx-xxxx, attached 2019 W-2 from xxxx. 2 year history has been sufficiently documented. Other condition had the exact same comment but was accepted, please elaborate why the condition is rejected if this is not required. Reviewer Comment (2021-02-16): Agency loan, did not require VOE from prior employer. Seller Comment (2021-02-15): 02/15 DL: Please rescind. See attached LP findings confirming this is a Conventional loan, VOE from previous employers is not required. Also attached 1003 which shows the borrower was employed at xxxx from xxxx-xxxx, attached 2018 and 2019 W-2s from xxxx Borrower then worked at xxxx from xxxx-xxxx, attached 2019 W-2 from xxxx. 2 year history has been sufficiently documented. Reviewer Comment (2021-01-27): Received VOE from xxxx.  Missing VOE from prior employers xxxx and xxxx to verify a 2 year employment history. Seller Comment (2021-01-25): 1/25 kc   Verification of employment was submitted in original file, please waive condition.  Thank you

Reviewer Comment (2021-02-18): Cleared. Reviewer Comment (2021-02-16): Agency loan, did not require VOE from prior employer. Reviewer Comment (2021-01-27): Received VOE from xxxx.  Missing VOE from prior employers xxxx and xxxx to verify a 2 year employment history.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302339345

19773341

02/03/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-25): Provided 3 years of Transcripts Seller Comment (2021-02-24): 03 years W2 transcript is available in the shipping package at page no. 678 of 950. 03 years Record of Account and 03 Years W2 Transcript uploaded for reference. Please review and advise.

Reviewer Comment (2021-02-25): Provided 3 years of Transcripts

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302339345

19773342

02/03/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-25): Proved 3 years of Transcripts Seller Comment (2021-02-24): 03 years Record of Account and 03 Years W2 Transcript uploaded for reference. Please review and advise.

Reviewer Comment (2021-02-25): Proved 3 years of Transcripts

Cleared

02/25/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302339345

19773382

02/03/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-10): verified PDI dated 2/5/21 was received and reflects property not affected by the disaster therefore, condition is cleared. Seller Comment (2021-02-08): PDI

Reviewer Comment (2021-02-10): verified PDI dated 2/5/21 was received and reflects property not affected by the disaster therefore, condition is cleared.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250483

19394894

xxxx  4:57:24 PM

Credit

Credit Documentation

Missing Document: Credit Report not provided

Reviewer Comment (2021-01-15): Credit report provided. Buyer Comment (2021-01-11): Uploaded Credit Report

Reviewer Comment (2021-01-15): Credit report provided.

Cleared

01/15/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302250483

19404146

01/04/2021

Compliance

Federal Compliance

Appendix Q Liabilities – Invalid Exclusion Basis

Qualified Mortgage (Dodd-Frank 2014): One or more liabilities have been excluded from DTI calculation for a prohibited reason.

Reviewer Comment (2021-01-15): Allowable.

Reviewer Comment (2021-01-15): Allowable.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250483

19404147

01/04/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-15): Allowable.

Reviewer Comment (2021-01-15): Allowable.

Cleared

01/15/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302250483

19404148

01/04/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclouse Amount of Non-Escrowed Property Costs over Year 1 (Final/xxxx)

Reviewer Comment (2021-02-07): Corrected CD and LOE provided. Buyer Comment (2021-02-03): Uploaded LOE Reviewer Comment (2021-01-15): CD provided but unable to locate LOE to borrower. Buyer Comment (2021-01-13): Uploaded CD and supporting documentation

Reviewer Comment (2021-02-07): Corrected CD and LOE provided. Reviewer Comment (2021-01-15): CD provided but unable to locate LOE to borrower.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302250483

19404150

01/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,575.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302250483

19404151

01/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-01-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302250483

19404533

01/04/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Third Party Verification

Reviewer Comment (2021-01-28): Third party verification provided. Buyer Comment (2021-01-26): Third party uploaded

Reviewer Comment (2021-01-28): Third party verification provided.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250483

19404537

01/04/2021

Credit

Credit Documentation

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Reviewer Comment (2021-01-28): Combination of ownership and recent temporary rental history documented. Buyer Comment (2021-01-26): The lease agreement is found in the document

Reviewer Comment (2021-01-28): Combination of ownership and recent temporary rental history documented.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302317910

19742683

02/02/2021

Credit

Income Documentation

Income documentation requirements not met.

Reviewer Comment (2021-02-11): Income docs provided.  Loan is SHQM . Buyer Comment (2021-02-09): Please find below the income calculation: ***xxxx: Established in 2001. has 3 partners. Customer holds 30% ownership interest. No decline in business income noted from 2018 to 2019.. business has sufficient liquidity.. YTD P&L does not reflect a significant drop in gross business income. explanation requested.. Business bank statements support YTD income..Due to the decrease in net income to partners YTD, For qualifying used YTD net income to customer of $3626 > xxxx: Established in 2000. has 9 partner as of 2019. Customer as of 2019 held 33.50% ownership interest in this business.. Receives K1 income, rent income and guaranteed payments to partners as well as distributions. Income changes from year to year.. business has sufficient liquidity. from 2018 to 2019 no decline in business income was noted. However, YTD P&L does reflect a 50% drop in gross business income. Explanation requested.. However, customer also receives guaranteed payment but this amount is not itemized on P&L.. therefore unable to show as of yet true final income for customer ytd.. For now used 2019 12 mo avg of guaranteed payments which is lower than 2018 and gives income of $28,491 > xxxx: established in 2018 which was initial partnership tax returns filed. there are 4 partners of which customer holds 25% interest.. no income reported from this business entity. therefore $0 used. this business is just a holding entity and it's been idle which has no profit, no assets and no bank accounts.. no further action or documents needed > xxxx: there are 4 partners of which customer holds 25% interest.. no income or expenses reported from this business entity. therefore $0 used. this business is just a holding entity and it's been idle which has no profit, no assets and no bank accounts.. no further action or documents needed > xxxx: established in 2007. has 2 partners. Customer holds 50%. 2019 shows increase in gross business earnings, however, no distributions paid and partnership does not show sufficient liquidity, therefore income used is $0... > xxxx 2016 xxxx: 45% owner. business does not report any income or expenses . no further action or documentation needed > 2016 xxxx: 45% owner. business does not report any income or expenses . no further action or documentation needed > xxxx: 25% partner.. No income or expenses reported. No further action needed or documentation > xxxx: Customer 37.5% owner. income derived from rental property..Partnership does have liquidity. however, YTD P&L does not report any income received, therefore used $0 income for qualifying > xxxx: 42.5% owner. partnership is not reporting any income/expenses. no further documentation needed > xxxx: deals with commercial rental property. customer is 27.625% owner.. Sufficient liquidity documented..YTD P&L shows lower gross commercial rents received and lower net income to all partners.. .. No income from this partnership considered. ***Please advise if still bank statements are required. Reviewer Comment (2021-02-08): No additional income documents were provided.  Income docs required to complete review whether income is being used or not. Seller Comment (2021-02-06): Please find the Explanation Reviewer Comment (2021-02-05): The file is missing the following income documents required to verify self employed income or loss; xxxx - 2019 K1 and 1065, xxxx, xxxx, xxxx and xxxx - missing P&L and Balance Sheets. Seller Comment (2021-02-03): Please find the income docs as requested

Reviewer Comment (2021-02-11): Income docs provided.  Loan is SHQM . Reviewer Comment (2021-02-08): No additional income documents were provided.  Income docs required to complete review whether income is being used or not. Reviewer Comment (2021-02-05): The file is missing the following income documents required to verify self employed income or loss; xxxx - 2019 K1 and 1065, xxxx, xxxx, xxxx and xxxx - missing P&L and Balance Sheets.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302094957

19513213

01/11/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-01-19): Provided pay history Seller Comment (2021-01-14): Please see attached pay history

Reviewer Comment (2021-01-19): Provided pay history

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302094957

19515442

01/11/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-12): Received gap letter. Seller Comment (2021-02-10): We asked for an explanation on Sept 8 and borrower [provided the explanation on Sept 9. I am uploading the screenprint of the task. we generally get explanation from the borrower over tasks only. Reviewer Comment (2021-02-01): Unable to determine from the screen shot when the borrower acknowledged the task. Buyer Comment (2021-01-25): The last uploaded LOX contains the date as September 9 when borrower acknowledged the task. Reviewer Comment (2021-01-24): Unable to determine date LOE is dated. Seller Comment (2021-01-22): The task was created for the borrower on our POS system to provide the explanation for gap in employment. The progress of the task confirms borrower's email address and verifies that borrower completed this task by providing required explanation. Please consider this and waive this condition Reviewer Comment (2021-01-21): Letter of explanation was not dated.  Please provided signed and dated gap letter. Seller Comment (2021-01-20): Please see attached explanation provided by the borrower on employment gap

Reviewer Comment (2021-02-12): Received gap letter. Reviewer Comment (2021-02-01): Unable to determine from the screen shot when the borrower acknowledged the task. Reviewer Comment (2021-01-24): Unable to determine date LOE is dated. Reviewer Comment (2021-01-21): Letter of explanation was not dated.  Please provided signed and dated gap letter.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302094957

19515443

01/11/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-12): Received gap letter.

Reviewer Comment (2021-02-12): Received gap letter.

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302304060

19647532

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $391.50 exceeds tolerance of $310.50.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2021-02-01): xxxx received PCCD, LOE, and copy of refund check; exception is cured. Seller Comment (2021-01-27): Relevant document has been uploaded to the portal included cure check. Kindly review

Reviewer Comment (2021-02-01): xxxx received PCCD, LOE, and copy of refund check; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302304060

19666297

01/26/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 8.30 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2021-02-25): Received additional assets. Seller Comment (2021-02-23): TSP statement covering xxxx xxxxwhich supports the balance reflecting on the VOD dated 12/8/20. It is reasonable to consider the asset letter as a VOD meant to provide an update to the account balance covering the end date of the last statement issued xxxxThis documentation in combination should be acceptable. Kindly review and advise Reviewer Comment (2021-02-01): 2 months assets statements was not provided, just a letter from Thrift reflecting a balance of $598,192.69. Seller Comment (2021-01-27): Document uploaded to the portal which shows that current balance of Thrift Savings Plan $598,192.69.

Reviewer Comment (2021-02-25): Received additional assets. Reviewer Comment (2021-02-01): 2 months assets statements was not provided, just a letter from Thrift reflecting a balance of $598,192.69.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304060

20022626

02/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $324.00 exceeds tolerance of $310.50.  Sufficient or excess cure was provided to the borrower. (8304)

Reviewer Comment (2021-02-25): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2021-02-25): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

302407998

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302371038

19807895

02/08/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-03-01): Final policy provided.

Reviewer Comment (2021-03-01): Final policy provided.

Cleared

03/01/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302371038

19808071

02/08/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-03-01): Final policy with revised coverage amount provided. Seller Comment (2021-02-27): Updated Title report

Reviewer Comment (2021-03-01): Final policy with revised coverage amount provided.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302371038

19809294

02/08/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019)

Reviewer Comment (2021-02-26): Two years transcripts provided. Seller Comment (2021-02-25): 1040 tax transcripts

Reviewer Comment (2021-02-26): Two years transcripts provided.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302371038

19846874

02/09/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019)

Reviewer Comment (2021-02-26): Two years transcripts provided. Seller Comment (2021-02-25): Tax Transcript

Reviewer Comment (2021-02-26): Two years transcripts provided.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302371038

19846900

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $2,956.70 exceeds tolerance of $2,942.00.  Sufficient or excess cure was provided to the borrower at Closing. (7567)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302316426

19633274

01/22/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-03-01): Dates/duration provided on VOE support explanation that prior company was acquired by current employer. Two year history adequately documented. Seller Comment (2021-02-28): For xxxx, we are unable to complete vvoe for "xxxx" because "xxxx" is now travel Bank and they said that they do not have prior work history of the employees, everything is on the xxxx. please refer xxxx Reviewer Comment (2021-01-28): received VOE for current employer.  Missing VOE for prior employer, Travelator to verify a 2 year employment history. VOE should reflect start and end dates. Seller Comment (2021-01-25): Please review the attached VOE.

Reviewer Comment (2021-03-01): Dates/duration provided on VOE support explanation that prior company was acquired by current employer. Two year history adequately documented. Reviewer Comment (2021-01-28): received VOE for current employer.  Missing VOE for prior employer, Travelator to verify a 2 year employment history. VOE should reflect start and end dates.

Cleared

03/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302316426

19633275

01/22/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-03-01): VOE for prior employment provided. Reviewer Comment (2021-01-28): Received VOE for current employer.  Missing VOE for prior employer, Microsoft to verify a 2 year employment history. VOE should reflect start and end dates. Seller Comment (2021-01-25): Please review the attached VOE.

Reviewer Comment (2021-03-01): VOE for prior employment provided. Reviewer Comment (2021-01-28): Received VOE for current employer.  Missing VOE for prior employer, Microsoft to verify a 2 year employment history. VOE should reflect start and end dates.

Cleared

03/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302316426

19633276

01/22/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-01-27): xxxx received proof of receipt, exception is cleared. Seller Comment (2021-01-25): Please review the attached explanation.

Reviewer Comment (2021-01-27): xxxx received proof of receipt, exception is cleared.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316426

19633312

01/22/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-01): Dates/duration provided on VOE support explanation that prior company was acquired by current employer.  Two year history adequately documented.

Reviewer Comment (2021-03-01): Dates/duration provided on VOE support explanation that prior company was acquired by current employer.  Two year history adequately documented.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316426

19633313

01/22/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-01): VOE for prior employment provided.

Reviewer Comment (2021-03-01): VOE for prior employment provided.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267589

19874684

02/10/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-26): Received the co-borrower's xxxx Balance Sheet.

Reviewer Comment (2021-02-26): Received the co-borrower's xxxx Balance Sheet.

Cleared

02/26/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302267589

19897924

02/12/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-26): Received the co-borrower's xxxx P&L Statement. Seller Comment (2021-02-25): Balance sheet for xxxx attached Seller Comment (2021-02-25): P & L for xxxx attached

Reviewer Comment (2021-02-26): Received the co-borrower's xxxx P&L Statement.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267589

19897925

02/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney Review Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77166)

Reviewer Comment (2021-02-26): Upon further review, this exception has been cleared. Title - Attorney Review Fee was added at closing in Section C. Seller Comment (2021-02-23): Please re-review. Title - Attorney Review Fee should be a no tolerance fee as the borrower shopped for their own attorney and did not use a provider on SSPL

Reviewer Comment (2021-02-26): Upon further review, this exception has been cleared. Title - Attorney Review Fee was added at closing in Section C.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267589

19897981

02/12/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Balance Sheet, P&L Statement

Reviewer Comment (2021-02-26): Received the co-borrower's P&L Statement and Balance Sheet dated through xxxx. Seller Comment (2021-02-25): Balance sheet xxxx attached Seller Comment (2021-02-25): P & L for Homestay attached

Reviewer Comment (2021-02-26): Received the co-borrower's P&L Statement and Balance Sheet dated through xxxx.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302302569

19392315

xxxx  1:05:12 PM

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-01-20): Fraud report provided. Buyer Comment (2021-01-19): Fraud Report uploaded.

Reviewer Comment (2021-01-20): Fraud report provided.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302302569

19392600

xxxx  1:27:18 PM

Credit

Credit Documentation

Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification.

Credit Report: Original // Liability Type: Revolving / Current Balance: $3,017.00 / Line Limit: $24,300.00

Reviewer Comment (2021-01-20): Account included in qualification. Buyer Comment (2021-01-19): new 1003 1008 for authorized user uploaded

Reviewer Comment (2021-01-20): Account included in qualification.

Cleared

01/20/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302302569

19392922

xxxx  1:51:11 PM

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-01-20): VOE's provided to verify prior employment dates. Buyer Comment (2021-01-19): new 1003 1008 for authorized user uploaded. Buyer Comment (2021-01-19): VOE for E. White uploaded.

Reviewer Comment (2021-01-20): VOE's provided to verify prior employment dates.

Cleared

01/20/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302302569

19392938

xxxx  1:53:18 PM

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-20): VVOE's provided to verify prior employment dates. Buyer Comment (2021-01-19): VOE for E. White uploaded.

Reviewer Comment (2021-01-20): VVOE's provided to verify prior employment dates.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302302569

19392939

xxxx  1:53:18 PM

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-20): VVOE's provided to verify prior employment dates. Buyer Comment (2021-01-19): VOE for E. White uploaded.

Reviewer Comment (2021-01-20): VVOE's provided to verify prior employment dates.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327069

No Finding

Loan Completed Without Finding

Review Complete

01/26/2021

1

1

302368603

19681502

01/27/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx W-2 Transcript (2018), W-2 Transcript (2019) W-2 Transcript (2018), W-2 Transcript (2019)

Reviewer Comment (2021-02-03): Evidence of W-2's in file.  No evidence transcripts are requried. Buyer Comment (2021-01-30): It seems invalid since W-2 for Borrower and Co-Borrower for period 2018 and 2019 is present in the final shipping package. Please refer to page # 802 to 819 for the same.

Reviewer Comment (2021-02-03): Evidence of W-2's in file.  No evidence transcripts are requried.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302368603

19681872

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $1,560.96 exceeds tolerance of $1,557.00.  Sufficient or excess cure was provided to the borrower at Closing. (7567)

Reviewer Comment (2021-01-27): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-27): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302368603

19681873

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,770.00 exceeds tolerance of $1,766.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-01-27): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-27): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302368603

19687873

01/27/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-16): Revised title commitment provided. Seller Comment (2021-02-16): Please see the attached updated title report.

Reviewer Comment (2021-02-16): Revised title commitment provided.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372053

19730241

02/01/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-16): Revised title commitment provided. Seller Comment (2021-02-16): Please see the attached updated title report.

Reviewer Comment (2021-02-16): Revised title commitment provided.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392768

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302388438

19806665

02/08/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification

Reviewer Comment (2021-02-22): Received hazard policy. Seller Comment (2021-02-21): Insurance document

Reviewer Comment (2021-02-22): Received hazard policy.

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372205

19892053

02/12/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-03-01): Updated commitment provided. Seller Comment (2021-03-01): Updated title report Reviewer Comment (2021-03-01): Loan amount acknowledged.   Title coverage amount is incorrect. Seller Comment (2021-02-27): Updated settlement statement with correct loan amount uploaded. Please review and advise.

Reviewer Comment (2021-03-01): Updated commitment provided. Reviewer Comment (2021-03-01): Loan amount acknowledged.   Title coverage amount is incorrect.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302280918

19379336

xxxx  2:31:26 AM

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-25): Borrower qualifies with a DTI of 40.77% excluding the income from the business.

Reviewer Comment (2021-02-25): Borrower qualifies with a DTI of 40.77% excluding the income from the business.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302280918

19379337

xxxx  2:31:26 AM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-25): Borrower qualifies with a DTI of 40.77% excluding the income from the business.

Reviewer Comment (2021-02-25): Borrower qualifies with a DTI of 40.77% excluding the income from the business.

Cleared

02/25/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302280918

19421737

01/05/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-01-14): Provided VVOE before closing Seller Comment (2021-01-10): VOE VVOE

Reviewer Comment (2021-01-14): Provided VVOE before closing

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302280918

19421830

01/05/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - Assets

Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. (Net Proceeds from Sale of property/Equity On Sold Property)

Reviewer Comment (2021-01-11): Provided closing statement Seller Comment (2021-01-10): 2699 Uinta Street Denver CO.

Reviewer Comment (2021-01-11): Provided closing statement

Cleared

01/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302280918

19421831

01/05/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-11): Provided closing statement

Reviewer Comment (2021-01-11): Provided closing statement

Cleared

01/11/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302280918

19421839

01/05/2021

Credit

General

Missing Document: HUD/CD (Asset) not provided

Reviewer Comment (2021-01-11): Provided closing statement Seller Comment (2021-01-10): 2699 Uinta Street Denver CO.

Reviewer Comment (2021-01-11): Provided closing statement

Cleared

01/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302280918

19887932

02/11/2021

Compliance

Federal Compliance

General Ability To Repay Provision Employment - S-Corp Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing:  Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (xxxx/S-Corp)

Reviewer Comment (2021-02-25): Borrower qualifies with a DTI of 40.77% excluding the income from the business.

Reviewer Comment (2021-02-25): Borrower qualifies with a DTI of 40.77% excluding the income from the business.

Cleared

02/25/2021

N

3

1

A

A

A

A

A

302290129

19566866

01/15/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Transcripts (2018), Transcripts (2019)

Reviewer Comment (2021-02-04): Tax transcripts provided. Buyer Comment (2021-02-02): Transcripts uploaded

Reviewer Comment (2021-02-04): Tax transcripts provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290129

19566914

01/15/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-02-02): xxxx received lender credit itemization to finance charges. Buyer Comment (2021-01-28): Lender concessions Reviewer Comment (2021-01-28): The client has elected to ignore lump sum credits in the finance charge calculation.  To apply a credit towards specific finance charge fees, a LOE and PCCD that itemizes fees as paid by the lender on page 2 is required. Buyer Comment (2021-01-25): please review: CD dated 12/8/20; lender credit applied in the amount of $ 2691.80 which is sufficient to cure the increase in finance charges of $2491.80.

Reviewer Comment (2021-02-02): xxxx received lender credit itemization to finance charges. Reviewer Comment (2021-01-28): The client has elected to ignore lump sum credits in the finance charge calculation.  To apply a credit towards specific finance charge fees, a LOE and PCCD that itemizes fees as paid by the lender on page 2 is required.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290129

19616805

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302290129

19616984

01/21/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-04): Approve\ineligible DU findings provided. Buyer Comment (2021-02-02): AUS uploaded

Reviewer Comment (2021-02-04): Approve\ineligible DU findings provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278979

19390680

xxxx  11:20:10 AM

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-01-18): Approve/ineligible DU findings provided. Buyer Comment (2021-01-14): AUS uploaded

Reviewer Comment (2021-01-18): Approve/ineligible DU findings provided.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278979

19391465

xxxx  11:52:26 AM

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-01-18): 2019 Business return indicates 2019 was the initial filing Buyer Comment (2021-01-14): 2019 1065 uploaded, lender states no 2018  was filed

Reviewer Comment (2021-01-18): 2019 Business return indicates 2019 was the initial filing

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278979

19391466

xxxx  11:52:26 AM

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-18): Business returns provided. Buyer Comment (2021-01-14): 2019 & 2018 xxxx

Reviewer Comment (2021-01-18): Business returns provided.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278979

19391467

xxxx  11:52:26 AM

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Partnership Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing:  Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (xxxx/Partnership)

Reviewer Comment (2021-01-18): Returns and verification provided. Buyer Comment (2021-01-14): Verification uploaded Buyer Comment (2021-01-14): Business returns uploaded

Reviewer Comment (2021-01-18): Returns and verification provided.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278979

19391733

xxxx  12:21:44 PM

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-18): Business transcripts provided.

Reviewer Comment (2021-01-18): Business transcripts provided.

Cleared

01/18/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302278979

19391734

xxxx  12:21:44 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-01-18): SHQM Loan

Reviewer Comment (2021-01-18): SHQM Loan

Cleared

01/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302278979

19391800

xxxx  12:27:38 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-01-18): xxxx received itemization, exception cleared. Buyer Comment (2021-01-12): lender concession details sheet

Reviewer Comment (2021-01-18): xxxx received itemization, exception cleared.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278979

19407514

01/04/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1065 (2018), K-1 (2018)

Reviewer Comment (2021-01-18): Business returns provided. Buyer Comment (2021-01-14): tax returns and K1 uploaded Buyer Comment (2021-01-14): K1's uploaded

Reviewer Comment (2021-01-18): Business returns provided.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302317890

19889614

02/11/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-03-01): 2017 1040 provided and input Seller Comment (2021-02-26): see attached

Reviewer Comment (2021-03-01): 2017 1040 provided and input

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302317890

19889615

02/11/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-01): 2017 1040 provided and input

Reviewer Comment (2021-03-01): 2017 1040 provided and input

Cleared

03/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302317890

19902693

02/13/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-03-03): 3/3/2021:  Received AUS.  Exception has been cleared. Seller Comment (2021-02-26): see attached

Reviewer Comment (2021-03-03): 3/3/2021:  Received AUS.  Exception has been cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303765

19394682

xxxx  4:35:16 PM

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-01-18): Approve/ineligible AUS findings provided. Buyer Comment (2021-01-13): AUS uploaded

Reviewer Comment (2021-01-18): Approve/ineligible AUS findings provided.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303765

19400338

01/03/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-01-18): Not required by AUS.  Acceptable per Express guidelines. Buyer Comment (2021-01-13): This is express. rental follows DU. DU did not request VOR info. Please waive

Reviewer Comment (2021-01-18): Not required by AUS.  Acceptable per Express guidelines.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305495

19647255

01/22/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-04): Approve\ineligible DU findings provided. Buyer Comment (2021-02-02): AU S uploaded

Reviewer Comment (2021-02-04): Approve\ineligible DU findings provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320430

19619105

01/21/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-09): DU findings provided. Buyer Comment (2021-02-05): DU Findings attached

Reviewer Comment (2021-02-09): DU findings provided.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302356742

19874864

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302356742

19874865

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302356742

19874866

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $106.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320429

19619104

01/21/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-04): PCCD and LOE provided to revise disbursement date. Buyer Comment (2021-02-01): Uploaded LOE and PCCD.

Reviewer Comment (2021-02-04): PCCD and LOE provided to revise disbursement date.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320429

19619584

01/21/2021

Credit

Mortgage / Program Eligibility

Missing Document: Note - Subordinate Lien not provided

Reviewer Comment (2021-02-09): Executed HELOC agreement provided. Buyer Comment (2021-02-05): HELOC closing docs uploaded

Reviewer Comment (2021-02-09): Executed HELOC agreement provided.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320429

19667072

01/26/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-09): DU findings provided. Buyer Comment (2021-02-05): AUS uploaded

Reviewer Comment (2021-02-09): DU findings provided.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304071

19636489

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $575.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302304071

19636490

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $131.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302304071

19647542

01/22/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-08): DU findings provided. Buyer Comment (2021-02-04): Please find attached the DU

Reviewer Comment (2021-02-08): DU findings provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303156

19566223

01/15/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-02-01): cleared with uploaded doc's Buyer Comment (2021-01-28): Please find a copy of the lease agreement for xxxx.

Reviewer Comment (2021-02-01): cleared with uploaded doc's

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303156

19566224

01/15/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $122.00 exceeds tolerance of $82.00 plus 10% or $90.20.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-01-15): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-15): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302303156

19566232

01/15/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-01): cleared with uploaded doc's Buyer Comment (2021-02-01): uploaded lease agreement

Reviewer Comment (2021-02-01): cleared with uploaded doc's

Cleared

02/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302303156

19566233

01/15/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-02-02): xxxx received itemized statement, exception cleared. Buyer Comment (2021-02-01): Uploaded LOE and PCCD. Buyer Comment (2021-01-28): Please re-review based on new lump sum settings. Reviewer Comment (2021-01-27): Current testing criteria will not allow the application of lump sum seller credits.  To address the exception a  PCCD showing the charges as seller paid on page 2 should be forwarded.  The seller paid charges can then be credited and re-tested. Buyer Comment (2021-01-22): lender concession

Reviewer Comment (2021-02-02): xxxx received itemized statement, exception cleared. Reviewer Comment (2021-01-27): Current testing criteria will not allow the application of lump sum seller credits.  To address the exception a  PCCD showing the charges as seller paid on page 2 should be forwarded.  The seller paid charges can then be credited and re-tested.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303156

19566262

01/15/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-01): Employment verification was provided and reflects Borrower is retiring in <4 months from loan closing. Unable to ascertain future income earnings. See new exception. Buyer Comment (2021-01-29): Please find the required verification of employment Buyer Comment (2021-01-28): Please find a copy of the lease agreement for xxxx.

Reviewer Comment (2021-02-01): Employment verification was provided and reflects Borrower is retiring in <4 months from loan closing. Unable to ascertain future income earnings. See new exception.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303156

19573774

01/16/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-01): cleared with uploaded doc's Buyer Comment (2021-02-01): uploaded AUS Buyer Comment (2021-01-29): Please find the attached AUS Buyer Comment (2021-01-28): .

Reviewer Comment (2021-02-01): cleared with uploaded doc's

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303156

19737459

02/01/2021

Compliance

Federal Compliance

Retirement Income Documented

Qualified Mortgage (Dodd-Frank 2014): Retirement income for borrower planning to retire within three (3) years not documented. (xxxx/Wages)

Reviewer Comment (2021-03-05): 3/5/2021:  Received the Final CD reflecting the 2 payoffs are reflected as paid at closing.  Exception has been cleared. Buyer Comment (2021-03-04): Lender Response: "See CD from closing. Pg. 4 shows both xxxx and xxxx paid off at closing. There is no DTI issue." Uploaded CD reflecting payoffs. Reviewer Comment (2021-02-24): Retirement income estimate from DOD provided and used by lender.  However, other debt payments on credit report do not appear to have been included in DTI per 1008.  Using lower retirement income, DTI exceeds 43%. Buyer Comment (2021-02-23): see attached

Reviewer Comment (2021-03-05): 3/5/2021:  Received the Final CD reflecting the 2 payoffs are reflected as paid at closing.  Exception has been cleared. Reviewer Comment (2021-02-24): Retirement income estimate from DOD provided and used by lender.  However, other debt payments on credit report do not appear to have been included in DTI per 1008.  Using lower retirement income, DTI exceeds 43%.

Cleared

03/05/2021

N

3

1

A

A

A

A

A

302285420

19569946

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $947.44 exceeds tolerance of $450.00.  Insufficient or no cure was provided to the borrower. (77187)

Reviewer Comment (2021-03-09): xxxx received copy of Refund check, proof of mailing,  Letter of Explanation & Corrected Closing Disclosure Buyer Comment (2021-03-03): LOE, PCCD, refund check and proof of delivery Reviewer Comment (2021-02-24): xxxx received Changed Circumstance and CD dated 12-3-20.  Prior explanation states that per lender, property survey was required because title insurer required on as evidenced on the title commitment.  But fee was originally disclosed to borrower for $450.  Title commitment was dated 10-27-20 and would already of been known at initial disclosure of fee.  The fee however increased from $450 to $947.44 on 12-3-20 and changed circumstance does not give sufficient information on why it increased though and prior information only states title commitment required (which was dated 10-27 before the 12-3 change).  Provide additional clarification for fee increase or cure is required. Buyer Comment (2021-02-18): Per lender: This fee actually appears in section C, which are services the borrower DID shop for. With my explanation of why the fee was increased, and a copy of the change of circumstance, showing that the fee was re-disclosed to the borrower properly, can we please get this condition cleared? Reviewer Comment (2021-02-15): Survey fee information is not reflected under 12/3/2015 disclosure change summary Buyer Comment (2021-02-09): Please see title commitment in file. Per lender, a property survey was required because the title insurer required one as evidenced on the title commitment. The fee was disclosed to the borrower on the 12/3/20 and included in the COC. Reviewer Comment (2021-02-03): VCC in file does not explain why the change was needed.  VCC showing reason for the additional fee, or cure, is required. Buyer Comment (2021-01-31): COC

Reviewer Comment (2021-03-09): xxxx received copy of Refund check, proof of mailing,  Letter of Explanation & Corrected Closing Disclosure Reviewer Comment (2021-02-24): xxxx received Changed Circumstance and CD dated 12-3-20.  Prior explanation states that per lender, property survey was required because title insurer required on as evidenced on the title commitment.  But fee was originally disclosed to borrower for $450.  Title commitment was dated 10-27-20 and would already of been known at initial disclosure of fee.  The fee however increased from $450 to $947.44 on 12-3-20 and changed circumstance does not give sufficient information on why it increased though and prior information only states title commitment required (which was dated 10-27 before the 12-3 change).  Provide additional clarification for fee increase or cure is required. Reviewer Comment (2021-02-15): Survey fee information is not reflected under 12/3/2015 disclosure change summary Reviewer Comment (2021-02-03): VCC in file does not explain why the change was needed.  VCC showing reason for the additional fee, or cure, is required.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302285420

19569948

01/15/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-08): DU findings provided.

Reviewer Comment (2021-02-08): DU findings provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302285420

20156140

03/09/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: SEVERE WINTER STORMS Disaster Declaration Date: xxxx

Reviewer Comment (2021-03-24): Post Disaster Inspection provided and reflects ha no apparent damage. Buyer Comment (2021-03-23): see attached

Reviewer Comment (2021-03-24): Post Disaster Inspection provided and reflects ha no apparent damage.

Cleared

03/24/2021

N

3

1

A

A

A

A

A

302277159

19602349

01/21/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-25): Canadian borrower holds a NAFTA TN-1 Visa.  Acceptable per guidelines. Buyer Comment (2021-01-22): This is a Jumbo Express and guidelines allow for non- permanent residents with Canadian Citizenship or TN1 which has been uploaded for your review.

Reviewer Comment (2021-01-25): Canadian borrower holds a NAFTA TN-1 Visa.  Acceptable per guidelines.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277159

19602382

01/21/2021

Credit

Credit Documentation

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Reviewer Comment (2021-02-04): Express program.  VOR not required by DU. Buyer Comment (2021-02-02): Jumbo Express - VOR not required per guidelines.  Not required by DU.  Please waive

Reviewer Comment (2021-02-04): Express program.  VOR not required by DU.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277159

19616618

01/21/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-04): Approve\ineligible DU findings provided. Buyer Comment (2021-02-02): DU Findings attached

Reviewer Comment (2021-02-04): Approve\ineligible DU findings provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289038

19940398

02/17/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-24): Received signed 2018 returns. Seller Comment (2021-02-23): 2018 returns uploaded Seller Comment (2021-02-23): 2018 Signed returns

Reviewer Comment (2021-02-24): Received signed 2018 returns.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289038

19940399

02/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $820.00 exceeds tolerance of $800.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-24): PCCD, LOE, refund check and proof of mailing was provided. Seller Comment (2021-02-24): PCCD Seller Comment (2021-02-24): Check, tracking, PCCD, LOE uploaded. Seller Comment (2021-02-24): Refund Cure docs.

Reviewer Comment (2021-02-24): PCCD, LOE, refund check and proof of mailing was provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302289038

19940403

02/17/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-24): Received signed 2018 returns.

Reviewer Comment (2021-02-24): Received signed 2018 returns.

Cleared

02/24/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302289038

19942401

02/18/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-24): Received AUS. Seller Comment (2021-02-23): AUS uploaded

Reviewer Comment (2021-02-24): Received AUS.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289038

20014585

02/24/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $820.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-02-24): LOE, PCCD, copy of check and proof of mailing was provided.

Reviewer Comment (2021-02-24): LOE, PCCD, copy of check and proof of mailing was provided.

Cured

N

3

2

B

B

B

B

B

302278923

19982405

02/23/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-03-09): xxxx received itemized statement, exception cleared. Seller Comment (2021-03-03): Lender credit breakdown

Reviewer Comment (2021-03-09): xxxx received itemized statement, exception cleared.

Cleared

03/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327780

19967794

02/22/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-03-18): Replacement Cost Estimator was provided. Seller Comment (2021-03-17): RCE attached

Reviewer Comment (2021-03-18): Replacement Cost Estimator was provided.

Cleared

03/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327780

19968353

02/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $450.00 exceeds tolerance of $400.00.  Insufficient or no cure was provided to the borrower. (77187)

Reviewer Comment (2021-03-17):xxxx:  Received Corrected CD, Letter of explanation to the borrower and proof of delivery.  Exception is cured. Seller Comment (2021-03-15): LOE, PCCD, refund check and proof of delivery Reviewer Comment (2021-03-04): xxxx received lender rebuttal.  Fee was not disclosed on Final LE which is determination if fee was shoppable. If the lender required the survey fee then a cure is due to the borrower for not previously disclosing the fee.  If the borrower-chosen service provider further outsourced the Survey Fee, we would accept an attestation confirming this.  The attestation should confirm that the service was outsourced by the borrower-chosen provider and should be on either the provider's or the lender's letterhead. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.  If the borrower elected to have survey completed on their own then a Corrected CD moving the fee to Section H and LOE to borrower is required. Seller Comment (2021-02-25): Re Review: LE dated xxxxection C, Survey increased on CDxxxxection C. Borrower chose servicer tolerance does not apply.

Reviewer Comment (2021-03-17):xxxx:  Received Corrected CD, Letter of explanation to the borrower and proof of delivery.  Exception is cured. Reviewer Comment (2021-03-04): xxxx received lender rebuttal.  Fee was not disclosed on Final LE which is determination if fee was shoppable. If the lender required the survey fee then a cure is due to the borrower for not previously disclosing the fee.  If the borrower-chosen service provider further outsourced the Survey Fee, we would accept an attestation confirming this.  The attestation should confirm that the service was outsourced by the borrower-chosen provider and should be on either the provider's or the lender's letterhead. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.  If the borrower elected to have survey completed on their own then a Corrected CD moving the fee to Section H and LOE to borrower is required.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302327780

20244752

03/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $450.00 exceeds tolerance of $400.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (77187)

Reviewer Comment (2021-03-17):xxxx:  Received Corrected CD, Letter of explanation to the borrower, copy of refund check and proof of delivery.  Exception is cured.

Reviewer Comment (2021-03-17):xxxx:  Received Corrected CD, Letter of explanation to the borrower, copy of refund check and proof of delivery.  Exception is cured.

Cured

N

3

2

B

B

B

B

B

302314350

19631636

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $120.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302314350

19631651

01/22/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-02-03): Itemization provided. Buyer Comment (2021-01-31): lender concession details

Reviewer Comment (2021-02-03): Itemization provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314350

19663663

01/25/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-07): Approve ineligible DU findings provided. Buyer Comment (2021-02-04): uploaded AUS

Reviewer Comment (2021-02-07): Approve ineligible DU findings provided.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329380

19874749

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,300.00 exceeds tolerance of $900.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-03-01): xxxx received VCC, exception cleared. Seller Comment (2021-02-22): Uploaded COC and LE

Reviewer Comment (2021-03-01): xxxx received VCC, exception cleared.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329380

19898560

02/12/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-03-03): 3/3/2021:  Received the gap letter.   Exception is cleared. Seller Comment (2021-03-02): Gap letter uploaded

Reviewer Comment (2021-03-03): 3/3/2021:  Received the gap letter.   Exception is cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329380

19898571

02/12/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-03): 3/3/2021:  Received the gap letter.   Exception is cleared. Seller Comment (2021-03-02): Gap letter uploaded

Reviewer Comment (2021-03-03): 3/3/2021:  Received the gap letter.   Exception is cleared.

Cleared

03/03/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302323304

19795954

02/05/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-23): Provided AUS Seller Comment (2021-02-22): Uploaded AUS

Reviewer Comment (2021-02-23): Provided AUS

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323304

19796218

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-02-16): Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. Seller Comment (2021-02-12): Re Review: Appraisal Desk Review Fee of  $75.00  has been cured as the lender credit of $75 was applied to the final CD dated xxxxPlease remove exception.

Reviewer Comment (2021-02-16): Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323304

19910823

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302288821

19651927

01/24/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-08): DU findings provided. Buyer Comment (2021-02-04): DU Findings attached

Reviewer Comment (2021-02-08): DU findings provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289132

19561670

01/15/2021

Credit

Closing / Title

Missing Document: Security Instrument - Subject Lien not provided

Reviewer Comment (2021-02-08): Security instrument and riders provided. Buyer Comment (2021-02-04): Security instrument

Reviewer Comment (2021-02-08): Security instrument and riders provided.

Cleared

02/08/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302289132

19561722

01/15/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-02-08): Dec page with revised effective date provided. Buyer Comment (2021-02-04): Security instrument Buyer Comment (2021-02-04): Hazard insurance effective the date of disbursement and Closing Disclosure confirming Disbursement date,.

Reviewer Comment (2021-02-08): Dec page with revised effective date provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289132

19561871

01/15/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx, Address: xxxx Statement Other

Reviewer Comment (2021-02-08): Statement provided. Buyer Comment (2021-02-04): REO verifications of PITIA

Reviewer Comment (2021-02-08): Statement provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289132

19562020

01/15/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-08): Balance sheet provided. Buyer Comment (2021-02-04): Balance sheet

Reviewer Comment (2021-02-08): Balance sheet provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289132

19562021

01/15/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-08): Balance sheet provided.

Reviewer Comment (2021-02-08): Balance sheet provided.

Cleared

02/08/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302289132

19562023

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-03-03): Cure docs and refund provded. Buyer Comment (2021-03-02): Refund check, LOE, PCCD and proof of delivery Reviewer Comment (2021-02-10): xxxx received a LOE from lender that explained why the appraisal fee was added to the xxxxE. However, the CDA appraisal review in file shows it performed and delivered to the lender on xxxxThe disclosure showing the $75 appraisal desk review fee was added is the xxxxE, which is greater than 3 days from the CDA date. Please provide additional information of when the lender became aware that the additional appraisal review charge was needed. Buyer Comment (2021-02-09): Uploaded LOE Reviewer Comment (2021-02-03): VCC in file does not explain the need for an appraisal review fee.  VCC showing reason requiring the additional fee, or cure to complete testing. Buyer Comment (2021-01-31): COC

Reviewer Comment (2021-03-03): Cure docs and refund provded. Reviewer Comment (2021-02-10): xxxx received a LOE from lender that explained why the appraisal fee was added to the xxxxE. However, the CDA appraisal review in file shows it performed and delivered to the lender on xxxxThe disclosure showing the $75 appraisal desk review fee was added is the xxxxE, which is greater than 3 days from the CDA date. Please provide additional information of when the lender became aware that the additional appraisal review charge was needed. Reviewer Comment (2021-02-03): VCC in file does not explain the need for an appraisal review fee.  VCC showing reason requiring the additional fee, or cure to complete testing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302289132

19647437

01/22/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-08): Approve ineligible DU findings provided. Buyer Comment (2021-02-08): DU findings attached Reviewer Comment (2021-02-07): No AUS in uploaded documents. Buyer Comment (2021-02-04): AUS

Reviewer Comment (2021-02-08): Approve ineligible DU findings provided. Reviewer Comment (2021-02-07): No AUS in uploaded documents.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288902

19573766

01/16/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-01-29): Approve\ineligible DU findings provided. Buyer Comment (2021-01-28): DU Findings attached

Reviewer Comment (2021-01-29): Approve\ineligible DU findings provided.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316420

19798845

02/05/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: Ajay Chandran // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-25): VOE provided. Seller Comment (2021-02-24): attached Seller Comment (2021-02-24): VVOE xxxx

Reviewer Comment (2021-02-25): VOE provided.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316420

19799258

02/05/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,740.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-23): PCCD and LOE provided. Seller Comment (2021-02-17): Uploaded LOE and PCCD

Reviewer Comment (2021-02-23): PCCD and LOE provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302316420

19848341

02/09/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-23): Approve/ineligible DU findings provided.

Reviewer Comment (2021-02-23): Approve/ineligible DU findings provided.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330598

19867051

02/10/2021

Credit

Asset Documentation

Guideline Issue: Insufficient asset documentation.

Reviewer Comment (2021-02-23): xxxx. Received settlement statement for the sale of xxxxr. Seller Comment (2021-02-19): Please see attachment.

Reviewer Comment (2021-02-23): xxxx. Received settlement statement for the sale of xxxxr.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330598

19867289

02/10/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-23): xxxx: Received AUS with Approve/Ineligible findings dated xxxx. Seller Comment (2021-02-19): Please see attachment

Reviewer Comment (2021-02-23): xxxx: Received AUS with Approve/Ineligible findings dated xxxx.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330598

19867436

02/10/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $146.00 exceeds tolerance of $131.00 plus 10% or $144.10.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302304015

19959677

02/19/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-03-01): Received AUS. Seller Comment (2021-02-26): AUS uploaded

Reviewer Comment (2021-03-01): Received AUS.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327853

19634785

01/22/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-03-02): Replacement cost estimator provided. Buyer Comment (2021-03-01): RCE uploaded Reviewer Comment (2021-02-07): Policy states "replacement cost coverage applies, up to the policy limits" which is less than the loan amount. Buyer Comment (2021-02-04): The policy states "replacement cost Applies"

Reviewer Comment (2021-03-02): Replacement cost estimator provided. Reviewer Comment (2021-02-07): Policy states "replacement cost coverage applies, up to the policy limits" which is less than the loan amount.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327853

19637769

01/22/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-02-04): xxxx received itemization, exception cleared. Buyer Comment (2021-01-31): lender concessions details

Reviewer Comment (2021-02-04): xxxx received itemization, exception cleared.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327853

19674740

01/26/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-07): Approve/ineligible DU findings provided. Buyer Comment (2021-02-04): AUS

Reviewer Comment (2021-02-07): Approve/ineligible DU findings provided.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302356457

19954748

02/19/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-03-05): xxxx received itemization, exception cleared. Seller Comment (2021-03-01): Lender credit breakdown

Reviewer Comment (2021-03-05): xxxx received itemization, exception cleared.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302356457

19961680

02/19/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-03-04): Received the DU (Approve/Ineligible) dated xxxx. Seller Comment (2021-03-03): AUS provided

Reviewer Comment (2021-03-04): Received the DU (Approve/Ineligible) dated xxxx.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302401914

19989808

02/23/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee.  Fee Amount of $700.00 exceeds tolerance of $695.00.  Sufficient or excess cure was provided to the borrower at Closing. (7334)

Reviewer Comment (2021-02-23): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-23): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302334909

19883023

02/11/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification

Reviewer Comment (2021-02-24): HOA verification provided. $160.00/month Seller Comment (2021-02-23): HOA uploaded

Reviewer Comment (2021-02-24): HOA verification provided. $160.00/month

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302334909

19889781

02/11/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-24): Final VOE dated xxxx Seller Comment (2021-02-23): VOE Uploaded

Reviewer Comment (2021-02-24): Final VOE dated xxxx

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302334909

19929369

02/16/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-24): AUS dated the same day as the Note provided. A/I Seller Comment (2021-02-23): AUS uploaded

Reviewer Comment (2021-02-24): AUS dated the same day as the Note provided. A/I

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302317889

19943581

02/18/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-24): VVOE for prior employment provided. Seller Comment (2021-02-23): VOE uploaded

Reviewer Comment (2021-02-24): VVOE for prior employment provided.

Cleared

02/24/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302317889

19956443

02/19/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-24): VVOE for prior employment provided. Seller Comment (2021-02-23): Revised VOE uploaded Seller Comment (2021-02-23): VOE appraisal

Reviewer Comment (2021-02-24): VVOE for prior employment provided.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330689

19902719

02/13/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-03-03): 3/3/2021:  Received the AUS.  Exception has been cleared. Seller Comment (2021-03-02): DU Findings attached

Reviewer Comment (2021-03-03): 3/3/2021:  Received the AUS.  Exception has been cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325333

19874131

02/10/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-03-03): xxxx received itemized statement. Seller Comment (2021-02-24): Uploaded lender concession. Per lender credits were applied at closing to APR fees and no cure is due.

Reviewer Comment (2021-03-03): xxxx received itemized statement.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325333

19927712

02/16/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-03): xxxx received PCCD and LOE; exception is cured. Seller Comment (2021-02-24): Uploaded LOE and PCCD

Reviewer Comment (2021-03-03): xxxx received PCCD and LOE; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302372345

19995582

02/23/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee.  Fee Amount of $515.97 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7349)

Reviewer Comment (2021-03-11):xxxx:  Received the valid change of circumstance.   Exception has been cleared. Seller Comment (2021-03-09): COC.  Per Lender: See COC and interim CD for increase in question.  It was for a lock extension fee and was properly disclosed.

Reviewer Comment (2021-03-11):xxxx:  Received the valid change of circumstance.   Exception has been cleared.

Cleared

03/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329394

19950494

02/18/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-03-09): xxxx received lender finance charge lender credit itemization.

Reviewer Comment (2021-03-09): xxxx received lender finance charge lender credit itemization.

Cleared

03/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331341

19732984

02/01/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx, Address: xxxx Statement Statement

Reviewer Comment (2021-02-10): Received missing REO docs. Seller Comment (2021-02-04): REO documents

Reviewer Comment (2021-02-10): Received missing REO docs.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331341

19733274

02/01/2021

Credit

Income Documentation

Income documentation requirements not met.

Reviewer Comment (2021-02-19): Provided signed and dated 1040s for years 2018-2019.xxxx Seller Comment (2021-02-18): Please see uploaded copy of the signed/dated 2019 tax return. Reviewer Comment (2021-02-10): 2019 personal tax returns are signed but not dated. Seller Comment (2021-02-04): income documents

Reviewer Comment (2021-02-19): Provided signed and dated 1040s for years 2018-2019.xxxx Reviewer Comment (2021-02-10): 2019 personal tax returns are signed but not dated.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331341

19741973

02/02/2021

Credit

General

Incomplete Document: 1003 Final is incomplete

Reviewer Comment (2021-02-10): Received complete final 1003. Seller Comment (2021-02-04): Final 1003

Reviewer Comment (2021-02-10): Received complete final 1003.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331341

19743070

02/02/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019), 1120S (2018), 1120S (2019), Balance Sheet, K-1 (2018), K-1 (2019), P&L Statement

Reviewer Comment (2021-02-10): Received missing income docs. Seller Comment (2021-02-04): Income docs

Reviewer Comment (2021-02-10): Received missing income docs.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331341

19743192

02/02/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-19): Provided signed and dated 1040s for years 2018-2019.xxxx Seller Comment (2021-02-18): Please see uploaded copy of the signed/dated 2019 tax return. Reviewer Comment (2021-02-10): 2019 personal tax returns are signed but not dated. Seller Comment (2021-02-04): Income docs

Reviewer Comment (2021-02-19): Provided signed and dated 1040s for years 2018-2019.xxxx Reviewer Comment (2021-02-10): 2019 personal tax returns are signed but not dated.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331341

19743193

02/02/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-19): Provided signed and dated 1040s for years 2018-2019.xxxx Seller Comment (2021-02-18): Please see uploaded copy of the signed/dated 2019 tax return. Reviewer Comment (2021-02-10): 2019 personal tax returns are signed but not dated. Seller Comment (2021-02-04): Income docs

Reviewer Comment (2021-02-19): Provided signed and dated 1040s for years 2018-2019.xxxx Reviewer Comment (2021-02-10): 2019 personal tax returns are signed but not dated.

Cleared

02/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302356447

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302278930

19456240

01/06/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-14): Received PCCD issued xxxx reflecting a disbursement date of xxxx and a LOX. Seller Comment (2021-01-12): The bottom of NRTC was not properly scanned in the package, so we did outbound the same and borrowers signed it with post closing date. Now since the NRTC was signed on xxxx, the Rescission was re-opened and the loan was finally funded on xxxx I have uploaded the PCCD, disbursement ledger and the email which was sent to the borrower confirming that  loan was not disbursed on xxxx

Reviewer Comment (2021-01-14): Received PCCD issued xxxx reflecting a disbursement date of xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302278930

19456241

01/06/2021

Compliance

Federal Compliance

TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date

Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Reviewer Comment (2021-02-03): Received corrected ROR. Seller Comment (2021-01-29): Corrected NRTC Reviewer Comment (2021-01-14): The borrowers were not given a 3 day rescission period.  The ROR was signed on xxxx and reflected an expiration date of xxxx. Seller Comment (2021-01-12): The bottom of NRTC was not properly scanned in the package, so we did outbound the same and borrowers signed it with post closing date. Now since the NRTC was signed on xxxx, the Rescission was re-opened and the loan was finally funded on xxxx I have uploaded the PCCD, disbursement ledger and the email which was sent to the borrower confirming that loan was not disbursed on xxxx

Reviewer Comment (2021-02-03): Received corrected ROR. Reviewer Comment (2021-01-14): The borrowers were not given a 3 day rescission period.  The ROR was signed on xxxx and reflected an expiration date of xxxx.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278930

19460251

01/07/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 15,145.08 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-20): Letter of Explanation & Corrected Closing Disclosure Provided Seller Comment (2021-01-17): Revised PCCD

Reviewer Comment (2021-01-20): Letter of Explanation & Corrected Closing Disclosure Provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302356730

19655694

01/25/2021

Credit

General

Missing Document: HUD/CD (Asset) not provided

Reviewer Comment (2021-03-03): Lender provided CD from sale of previous loan providing funds to close. Seller Comment (2021-03-02): this CD for property 7316 S Glencoe Court, Centennial, CO 80122, please advise Reviewer Comment (2021-02-28): Document provided is for the subject transaction. Seller Comment (2021-02-25): CD FRO SALE Reviewer Comment (2021-02-08): Received purchase contract for sale of primary.  Missing CD reflecting proceeds which is reflected on the Final 1003 for $176,000. Seller Comment (2021-02-05): PROPERTY OF SALE DOCUMENTS

Reviewer Comment (2021-03-03): Lender provided CD from sale of previous loan providing funds to close. Reviewer Comment (2021-02-28): Document provided is for the subject transaction. Reviewer Comment (2021-02-08): Received purchase contract for sale of primary.  Missing CD reflecting proceeds which is reflected on the Final 1003 for $176,000.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335640

19661436

01/25/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019), Paystubs, W-2 (2018), W-2 (2019)

Reviewer Comment (2021-03-01): Received the income documentation package.

Reviewer Comment (2021-03-01): Received the income documentation package.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335640

19661908

01/25/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-02-06): Received payoff. Seller Comment (2021-02-03): Payoff statement

Reviewer Comment (2021-02-06): Received payoff.

Cleared

02/06/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302335640

19661910

01/25/2021

Compliance

State Compliance

Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided)

Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.

Reviewer Comment (2021-02-06): Received disclosure. Seller Comment (2021-02-03): First Lien Disc

Reviewer Comment (2021-02-06): Received disclosure.

Cleared

02/06/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302335640

19661972

01/25/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/xxxx)

Reviewer Comment (2021-02-14): Received PCCD issued 2/8/2021 reflecting corrected escrows and a LOX. Seller Comment (2021-02-09): PCCD AND LOE

Reviewer Comment (2021-02-14): Received PCCD issued 2/8/2021 reflecting corrected escrows and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302335640

19700367

01/28/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-03-03): Lender provided proof of sufficient coverage. Seller Comment (2021-03-02): RC: $590298 Dwelling + other structures: $633600 Please advise Reviewer Comment (2021-02-06): Received replacement cost estimator reflecting a cost to rebuild as $590,298, the amount of insurance is $576,000.  Coverage is still insufficient. Seller Comment (2021-02-04): HOI

Reviewer Comment (2021-03-03): Lender provided proof of sufficient coverage. Reviewer Comment (2021-02-06): Received replacement cost estimator reflecting a cost to rebuild as $590,298, the amount of insurance is $576,000.  Coverage is still insufficient.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265810

19545066

01/13/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-17): Received signed pages of 2018/2019 personal and business returns. Buyer Comment (2021-02-16): All Returns uploaded Reviewer Comment (2021-02-05): Signed 2019 1120 and 2018 1040 provided. Buyer Comment (2021-02-03): Uploaded 2019 Business still need 2018, uploaded 2018 signed 1040's need 2019

Reviewer Comment (2021-02-17): Received signed pages of 2018/2019 personal and business returns. Reviewer Comment (2021-02-05): Signed 2019 1120 and 2018 1040 provided.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265810

19545067

01/13/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $47.96 exceeds tolerance of $32.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-01-13): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-13): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302265810

19545073

01/13/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - S-Corp

Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (xxxx/S-Corp)

Reviewer Comment (2021-02-17): Received signed pages of 2018/2019 personal and business returns. Reviewer Comment (2021-02-05): Signed 2019 1120 and 2018 1040 provided. Buyer Comment (2021-02-03): Uploaded 2019 Business still need 2018, uploaded 2018 signed 1040's need 2019

Reviewer Comment (2021-02-17): Received signed pages of 2018/2019 personal and business returns. Reviewer Comment (2021-02-05): Signed 2019 1120 and 2018 1040 provided.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265810

19545074

01/13/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-17): Received signed pages of 2018/2019 personal and business returns.

Reviewer Comment (2021-02-17): Received signed pages of 2018/2019 personal and business returns.

Cleared

02/17/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302265810

19545075

01/13/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-17): Received signed pages of 2018/2019 personal and business returns. Reviewer Comment (2021-02-05): P&L provided. Buyer Comment (2021-02-03): P & L only uploaded, still need balance sheet

Reviewer Comment (2021-02-17): Received signed pages of 2018/2019 personal and business returns. Reviewer Comment (2021-02-05): P&L provided.

Cleared

02/17/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302265810

19555984

01/14/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-05): LP findings provided. Buyer Comment (2021-02-03): LP uploaded

Reviewer Comment (2021-02-05): LP findings provided.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286905

19612375

01/21/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-23): Provided VOE for prior employer Buyer Comment (2021-02-22): VOE uploaded Reviewer Comment (2021-02-08): VVOE provided with dates.  However, dates indicate a greater than 30 day gap from 8/2/19 to xxxxhich requires a letter of explanation. Buyer Comment (2021-02-04): VVOE Fulton County attached

Reviewer Comment (2021-02-23): Provided VOE for prior employer Reviewer Comment (2021-02-08): VVOE provided with dates.  However, dates indicate a greater than 30 day gap from 8/2/19 to xxxxhich requires a letter of explanation.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286905

19612376

01/21/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-23): Provided VOE for prior employer Buyer Comment (2021-02-23): VOE uploaded

Reviewer Comment (2021-02-23): Provided VOE for prior employer

Cleared

02/23/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302286905

20004554

02/23/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-23): Provided VOE for prior employer

Reviewer Comment (2021-02-23): Provided VOE for prior employer

Cleared

02/23/2021

N

2

1

A

A

A

A

A

302336688

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302273125

19554809

01/14/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-04): Subject hazard policy provided. Buyer Comment (2021-02-02): Uploaded HOI for subject dated xxxx

Reviewer Comment (2021-02-04): Subject hazard policy provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273125

19561258

01/15/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx, Address: xxxx, Address: xxxx, Address: xxxx Insurance Verification, Tax Verification HOA Verification, Insurance Verification, Tax Verification Insurance Verification, Tax Verification Insurance Verification, Tax Verification

Reviewer Comment (2021-02-04): REO verifications provided. Buyer Comment (2021-02-02): Uploaded REO docs: xxxx; and REO Spreadsheet.

Reviewer Comment (2021-02-04): REO verifications provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273125

19561270

01/15/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-02-04): Effective date coincides with transaction date. Buyer Comment (2021-02-02): Uploaded HOI for subject dated xxxx

Reviewer Comment (2021-02-04): Effective date coincides with transaction date.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273125

19561274

01/15/2021

Credit

Guideline Issue

Aged document: Asset Account date is more than 90 days prior to Closing.

Financial Institution: xxxx // Account Type: 401(k)/403(b) Account / Account Number: xxxx

Reviewer Comment (2021-02-09): Verified assets meet guideline requirements. Buyer Comment (2021-02-05): Lender Response: "Processor did not use the xxxx account #xxxx to get this loan approved. I also looked into my docs and did not see that account. Please help me to understand what you really need to get this condition approved. What figure are they using for reserves? Assets totaling $306,894.04 are listed on the 1003 without the account statement in question. Cash to table at closing of $227,255.60. Remaining cash for reserves - $79,638.44." Reviewer Comment (2021-02-04): Account in question is the xxxx 401K and is needed to meet reserve requirement.  Statements are quarterly and most recent period provided endedxxxxxxxxtatement would have been available prior to close. Buyer Comment (2021-02-02): Lender Response: "The assets used for closing were xxxx and xxxx. I believe the statement they’re referencing was put in the file to source a deposit or something similar, but if they look at the 1003 they’ll see those assets/that account was not a factor in approval."

Reviewer Comment (2021-02-09): Verified assets meet guideline requirements. Reviewer Comment (2021-02-04): Account in question is the xxxx 401K and is needed to meet reserve requirement.  Statements are quarterly and most recent period provided endedxxxxxxxxtatement would have been available prior to close.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273125

19561286

01/15/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-02-04): Acknowledgment provided. Buyer Comment (2021-02-02): ECOA

Reviewer Comment (2021-02-04): Acknowledgment provided.

Cleared

02/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302273125

19561287

01/15/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:Secondaxxxx020)

Reviewer Comment (2021-02-04): Not applicable for CDA Buyer Comment (2021-02-03): appraisal disclosure

Reviewer Comment (2021-02-04): Not applicable for CDA

Cleared

02/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302273125

19561289

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Repairs Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75242)

Reviewer Comment (2021-02-09): xxxx received comment per Lender, xxxxas not a business day, LE was disclosed accurately, exception cleared. Buyer Comment (2021-02-09): per lender: 11/23 appraisal stated value was subject to completion which triggers final inspection, hence the $150. This was re-disclosed on the 11/30 Loan Estimate. Question to CDG – why wasn’t it re-disclosed within 3 business days of the appraisal receipt date of 11/23?—Synovus was closed 11/26 and 11/27 for Thanksgiving, so 11/30 was the 3rd business day The lender credit went down due to property being a PUD. Pricing changed by registration on 12/4. This was reflected on the CD prior to closing dated 12/4. When was it discovered as a PUD? $17.50 is for cure of overage of recording fee. This is a 10% tolerance item and was cured correctly. Reviewer Comment (2021-02-02): xxxx received Changed Circumstance dated 11-23-20,  but it does not give sufficient information on why the Repair/Final Inspection was added and the LE redisclosure on 11-30-20 exceeds 3 business days from the change date of 11-23-20.  In order to determine if the changed circumstance is valid more information is necessary on reason fee was added and when lender became aware of the change and must be a valid reason for a Lender Credit to decrease.  A valid Changed Circumstance and within acceptable 3 day timing or cure requirements of Corrected CD, LOE to borrower, proof of mailing and copy of refund check are required. Buyer Comment (2021-01-28): COC uploaded

Reviewer Comment (2021-02-09): xxxx received comment per Lender, xxxxas not a business day, LE was disclosed accurately, exception cleared. Reviewer Comment (2021-02-02): xxxx received Changed Circumstance dated 11-23-20,  but it does not give sufficient information on why the Repair/Final Inspection was added and the LE redisclosure on 11-30-20 exceeds 3 business days from the change date of 11-23-20.  In order to determine if the changed circumstance is valid more information is necessary on reason fee was added and when lender became aware of the change and must be a valid reason for a Lender Credit to decrease.  A valid Changed Circumstance and within acceptable 3 day timing or cure requirements of Corrected CD, LOE to borrower, proof of mailing and copy of refund check are required.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278921

19557129

01/14/2021

Compliance

Federal Compliance

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxx not received by borrower at least four (4) business days prior to closing. (Interxxxx020)

Reviewer Comment (2021-02-26): Earlier electronic delivery documented. Buyer Comment (2021-02-19): Uploaded Loan Status tracking. Per lender: This shows that on 12/9 the LE was sent and on 12/9 it was viewed by the borrowers and consented Reviewer Comment (2021-02-02): xxxx received lender rebuttal.  The Revised LE must be received at least 4 business days prior to closing.  12-9-20 issued revised LE would have a mailbox receipt date of 12-12-90 (Saturday-day 1).  12-14 Monday-Day 2, 12-15 Tuesday-Day3, 12-16 Wed - day 4 and Close day.  Cannot count close date as day 4, must be received "prior" to closing date.  Provide earlier proof of receipt. Buyer Comment (2021-01-27): The mailbox rule would indicates that the borrower received the final LE dated 12/9/2020 on  xxxx the loan closed on xxxx; therefore it is presumed that  the borrower has received the final LE more than 4 business days prior to closing. Please amend Reviewer Comment (2021-01-26): Exception addresses the issue of when the 12/9 LE was received.  The mailbox rule indicates the document was not received by the borrower 4 or more days prior to closing. Buyer Comment (2021-01-22): PCCD

Reviewer Comment (2021-02-26): Earlier electronic delivery documented. Reviewer Comment (2021-02-02): xxxx received lender rebuttal.  The Revised LE must be received at least 4 business days prior to closing.  12-9-20 issued revised LE would have a mailbox receipt date of 12-12-90 (Saturday-day 1).  12-14 Monday-Day 2, 12-15 Tuesday-Day3, 12-16 Wed - day 4 and Close day.  Cannot count close date as day 4, must be received "prior" to closing date.  Provide earlier proof of receipt. Reviewer Comment (2021-01-26): Exception addresses the issue of when the 12/9 LE was received.  The mailbox rule indicates the document was not received by the borrower 4 or more days prior to closing.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278921

19557133

01/14/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-01): cleared with doc's on file Buyer Comment (2021-01-28): Providing title commitment with correct loan amount.

Reviewer Comment (2021-02-01): cleared with doc's on file

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327851

19841815

02/08/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Money Markets / Account Number: xxxx, Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx

Reviewer Comment (2021-03-03): Additional statements provided. Seller Comment (2021-03-02): xxxx 10-16-2020 to 11-16-2020 attached Seller Comment (2021-03-02): xxxx 8-17-2020 to 09-15-2020 attached Seller Comment (2021-03-02): xxxx 10-16-2020 to 11-16-2020 attached Seller Comment (2021-03-02): xxxx 9-16-2020 to 10-15-2020 attached Reviewer Comment (2021-03-01): xxxx & xxxx only 1 month of bank statements were provided. Lender's asset calculation provided is not our borrower's. Exception remains. Seller Comment (2021-02-26): Lenders asset calc

Reviewer Comment (2021-03-03): Additional statements provided. Reviewer Comment (2021-03-01): xxxx & xxxx only 1 month of bank statements were provided. Lender's asset calculation provided is not our borrower's. Exception remains.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327851

19842004

02/08/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-03-01): Initial CD provided and input Seller Comment (2021-02-25): Uploaded electronically signed initial CD

Reviewer Comment (2021-03-01): Initial CD provided and input

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327851

19875596

02/10/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Transcripts (2018), Transcripts (2019)

Reviewer Comment (2021-03-01): 2018 & 2019 W2 Transcripts provided and input Seller Comment (2021-02-26): Transcripts uploaded

Reviewer Comment (2021-03-01): 2018 & 2019 W2 Transcripts provided and input

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302321619

No Finding

Loan Completed Without Finding

Review Complete

01/27/2021

1

1

302129899

19704661

01/29/2021

Credit

General

Missing Document: Verification of Non-US Citizen Status not provided

Reviewer Comment (2021-02-05): Received evidence of permanent resident card. Buyer Comment (2021-02-02): It seems invalid since Permanent resident card for Borrower and Co-Borrower present in the final shipping package. Please refer to page # 132 to 135 for the same.

Reviewer Comment (2021-02-05): Received evidence of permanent resident card.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288804

19801690

02/06/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-19): xxxx received disclosure tracking indicating the initial CD was received the same day issued. Seller Comment (2021-02-16): Please find the attached rebuttal.

Reviewer Comment (2021-02-19): xxxx received disclosure tracking indicating the initial CD was received the same day issued.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288804

19801691

02/06/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Notary Fee.  Fee Amount of $200.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. (7542)

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-06): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302369398

19730026

02/01/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-11): An updated title with a policy amount of $xxxx was provided. Seller Comment (2021-02-08): TITLE

Reviewer Comment (2021-02-11): An updated title with a policy amount of $xxxx was provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302391400

19849827

02/09/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302391400

19882492

02/11/2021

Compliance

State Compliance

Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed)

Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s).

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302133920

19392217

xxxx  12:56:55 PM

Compliance

Federal Compliance

Appendix Q Liabilities – Invalid Exclusion Basis

Qualified Mortgage (Dodd-Frank 2014): One or more liabilities have been excluded from DTI calculation for a prohibited reason.

Reviewer Comment (2021-01-19): Allowable.  Sufficient reserves after exclusion of xxxx balances. Buyer Comment (2021-01-15): Please remove exception. Borrower has sufficient reserves

Reviewer Comment (2021-01-19): Allowable.  Sufficient reserves after exclusion of xxxx balances.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302133920

19392218

xxxx  12:56:55 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-19): Allowable.  Sufficient reserves after exclusion.

Reviewer Comment (2021-01-19): Allowable.  Sufficient reserves after exclusion.

Cleared

01/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302133920

19392219

xxxx  12:56:55 PM

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-01-27): xxxx received 09/19 e consent. Buyer Comment (2021-01-24): e consent

Reviewer Comment (2021-01-27): xxxx received 09/19 e consent.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302172086

19529075

01/12/2021

Compliance

Federal Compliance

Social Security Documentation

Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (xxxx/Social Security)

Reviewer Comment (2021-02-18): Provided SSI award letters for both borrowers Buyer Comment (2021-02-17): Uploaded Award Letters for xxxxa; SSA- 1099

Reviewer Comment (2021-02-18): Provided SSI award letters for both borrowers

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302172086

19529076

01/12/2021

Compliance

Federal Compliance

Social Security Documentation

Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (xxxx/Social Security)

Reviewer Comment (2021-02-18): Provided SSI award letters for both borrowers Buyer Comment (2021-02-17): Uploaded Award Letters for xxxxa; SSA- 1099

Reviewer Comment (2021-02-18): Provided SSI award letters for both borrowers

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302172086

19529078

01/12/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-18): Provided SSI award letters for both borrowers Buyer Comment (2021-02-17): Uploaded Award Letters for xxxxa; SSA- 1099

Reviewer Comment (2021-02-18): Provided SSI award letters for both borrowers

Cleared

02/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302172086

19529079

01/12/2021

Compliance

State Compliance

Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided)

Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.

Reviewer Comment (2021-02-04): Disclosure/worksheet provided. Buyer Comment (2021-02-01): TNB

Reviewer Comment (2021-02-04): Disclosure/worksheet provided.

Cleared

02/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302172086

19542252

01/13/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $236.25 exceeds tolerance of $81.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-01-13): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-13): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302172086

19542354

01/13/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-01-26): xxxx received e-sign, exception cleared. Buyer Comment (2021-01-24): e consent

Reviewer Comment (2021-01-26): xxxx received e-sign, exception cleared.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302302568

19871873

02/10/2021

Credit

General

Missing Document: HUD/CD (Asset) not provided

Reviewer Comment (2021-02-22): Executed bridge loan note provided. Seller Comment (2021-02-19): see attached

Reviewer Comment (2021-02-22): Executed bridge loan note provided.

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302114236

19365850

xxxx  5:16:02 PM

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2021-01-06): Received the initial 1003. Seller Comment (2020-12-31): Initial 1003

Reviewer Comment (2021-01-06): Received the initial 1003.

Cleared

01/06/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302114236

19365934

xxxx  5:24:53 PM

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-13): Received tax returns. Seller Comment (2021-02-12): 2018 complete tax returns Reviewer Comment (2021-02-11): Income verified is from a Sole Proprietorship therefore Safe Harbor QM requires most recent 2 years 1040s. 2019 previously provided, and most recently pages 1&2  (signed and dated) of 2018 were provided, however no other pages of the returns are in the file. In order to meet requirements, complete 2018 returns are still needed with all schedules. Exception remains open Seller Comment (2021-02-08): Signed 2018 and 2019 tax returns Reviewer Comment (2021-01-19): Received 8879.  Still missing 2018 tax returns. Seller Comment (2021-01-17): Signed Form 8879 Reviewer Comment (2021-01-06): Received 2019 personal returns but are not signed and dated. Seller Comment (2020-12-31): 2019 Personal Tax returns -1040

Reviewer Comment (2021-02-13): Received tax returns. Reviewer Comment (2021-02-11): Income verified is from a Sole Proprietorship therefore Safe Harbor QM requires most recent 2 years 1040s. 2019 previously provided, and most recently pages 1&2  (signed and dated) of 2018 were provided, however no other pages of the returns are in the file. In order to meet requirements, complete 2018 returns are still needed with all schedules. Exception remains open Reviewer Comment (2021-01-19): Received 8879.  Still missing 2018 tax returns. Reviewer Comment (2021-01-06): Received 2019 personal returns but are not signed and dated.

Cleared

02/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302114236

19365945

xxxx  5:27:09 PM

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-01-06): Provided evidence of receipt Buyer Comment (2020-12-31): As per the compliance events timeline on page 164 of 860 of the shipping package, it can be verified that the initial CD dated xxxx was sent and  received by both the borrowers on xxxx itself.. Thus, the closing took place after the 3 business days waiting period on xxxx.

Reviewer Comment (2021-01-06): Provided evidence of receipt

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302114236

19365955

xxxx  5:28:40 PM

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $210.00 exceeds tolerance of $175.00 plus 10% or $192.50.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2020-12-28): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-28): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302114236

19365956

xxxx  5:28:40 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee.  Fee Amount of $55.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75195)

Reviewer Comment (2020-12-28): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-28): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302114236

19365976

xxxx  5:31:17 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-13): Received tax returns.

Reviewer Comment (2021-02-13): Received tax returns.

Cleared

02/13/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302114236

19375344

xxxx  3:42:53 PM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-06): Received HELOC agreement. Seller Comment (2020-12-31): The HELOC with Third Fed # 4581 belongs to the property at xxxx. The Heloc agreement is now uploaded to the portal.

Reviewer Comment (2021-01-06): Received HELOC agreement.

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302370922

19807195

02/08/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-18): Provided attestation that verbally validated the coverage equal to 100% of the cost to rebuild Seller Comment (2021-02-17): Please find the hazard insurance with sufficient coverage and please refer page 2 for replacement cost coverage $496,000.00

Reviewer Comment (2021-02-18): Provided attestation that verbally validated the coverage equal to 100% of the cost to rebuild

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302370922

19849256

02/09/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-18): Provided VVOE Seller Comment (2021-02-17): VVOE as per guideline with in 10 days of closing days uploaded to the portal. Kindly review and advise.

Reviewer Comment (2021-02-18): Provided VVOE

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316141

19616175

01/21/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-03-03): Lender provided somewhat dated email Gap LOE. Reviewer Comment (2021-02-01): Job gap letter is not dated. Seller Comment (2021-01-27): We have verified the employment gap electronically from Borrower. Please find the attached LOE regarding the employment gap

Reviewer Comment (2021-03-03): Lender provided somewhat dated email Gap LOE. Reviewer Comment (2021-02-01): Job gap letter is not dated.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316141

19616176

01/21/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-03): Lender provided  somewhat dated Gap LOE or email response. Seller Comment (2021-03-02): Please see the attached Wage transcript and we are working on dated gap letter Reviewer Comment (2021-02-01): Job gap letter was not dated. Seller Comment (2021-01-27): Please find the attached Borrower LOE and W-2 for Borrower and Co-Borrower.

Reviewer Comment (2021-03-03): Lender provided  somewhat dated Gap LOE or email response. Reviewer Comment (2021-02-01): Job gap letter was not dated.

Cleared

03/03/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302316141

19616177

01/21/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-17): Provided evidence of receipt of Initial CD Seller Comment (2021-02-16): Please find the attached rebuttal. Reviewer Comment (2021-02-02): Disclosure summary reflects the initial CD was received by the borrower on 1/6/2021 which is after the note date of 1/2/2021.  Please provide evidence of earlier delivery. Buyer Comment (2021-01-27): It seems invalid since initial CD was disclosed to borrower at least 3 business days prior to Closing. Considering the fact that December has 31 days. Initial CD received on 12-29-20 and final CD date is 1-2-21 so borrower get initial CD 4 days before closing.

Reviewer Comment (2021-02-17): Provided evidence of receipt of Initial CD Reviewer Comment (2021-02-02): Disclosure summary reflects the initial CD was received by the borrower on 1/6/2021 which is after the note date of 1/2/2021.  Please provide evidence of earlier delivery.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316141

19620116

01/21/2021

Credit

Income Documentation

Income documentation requirements not met.

Reviewer Comment (2021-03-04): Received transcripts. Seller Comment (2021-03-02): Please see the attached tax transcript Reviewer Comment (2021-02-17): W-2s were provided.  Exception is for W-2 Transcripts, not W2s.  Note:  the W-2 Transcripts in the loan file are not for the borrowers on the loan. Seller Comment (2021-02-16): Please find the attached W-2 for both the borrowers. Reviewer Comment (2021-02-01): W-2 transcripts or tax return transcripts were not provided. Seller Comment (2021-01-27): Please find the attached w-2 for Borrower and co-borrower

Reviewer Comment (2021-03-04): Received transcripts. Reviewer Comment (2021-02-17): W-2s were provided.  Exception is for W-2 Transcripts, not W2s.  Note:  the W-2 Transcripts in the loan file are not for the borrowers on the loan. Reviewer Comment (2021-02-01): W-2 transcripts or tax return transcripts were not provided.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336549

19792752

02/05/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-17): Provided the Verification with Start and Ends dates for previous employer. xxxx Seller Comment (2021-02-16): Please see the attached Verbal verification of employment for current employer and previous employer which reflects joining date and last working day to verify the 2 year employment history

Reviewer Comment (2021-02-17): Provided the Verification with Start and Ends dates for previous employer. xxxx

Cleared

02/17/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302336623

19887618

02/11/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-01): VOE provided coincides with disbursement. Seller Comment (2021-02-27): Updated VOE uploaded. Please review and advise

Reviewer Comment (2021-03-01): VOE provided coincides with disbursement.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336623

19947056

02/18/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-03-01): Documentation provided that property was sold prior to subject consummation. Seller Comment (2021-02-27): xxxx was sold on xxxx. Settlement statement for the same has been uploaded at portal. Rental income of the same was not used to qualify. Please review and advise.

Reviewer Comment (2021-03-01): Documentation provided that property was sold prior to subject consummation.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336623

19947057

02/18/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-01): Documentation provided that property was sold prior to subject consummation. Seller Comment (2021-02-27): xxxx was sold on xxxx. Settlement statement for the same has been uploaded at portal. Rental income of the same was not used to qualify. Please review and advise.

Reviewer Comment (2021-03-01): Documentation provided that property was sold prior to subject consummation.

Cleared

03/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302336623

19947095

02/18/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-03-01): Documentation provided that property was sold prior to subject consummation. Buyer Comment (2021-02-27): Subject property address is - xxxx. The same is reflecting on Final 1003. Please review and advise.

Reviewer Comment (2021-03-01): Documentation provided that property was sold prior to subject consummation.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304126

19618124

01/21/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-01-29): Received fraud report.  All red flags addressed. Seller Comment (2021-01-26): Fraud Report

Reviewer Comment (2021-01-29): Received fraud report.  All red flags addressed.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304126

19622467

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $4,543.00 exceeds tolerance of $4,532.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302304126

19643815

01/22/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-19): Replacement cost estimator provided. Seller Comment (2021-02-18): Replacement Cost Estimator Reviewer Comment (2021-01-29): Received same hazard policy with insufficient coverage.  Policy reflects 100% replacement cost up to policy limits bit verbiage is not acceptable for Guaranteed or full replacement coverage. Seller Comment (2021-01-26): Insurance policy

Reviewer Comment (2021-02-19): Replacement cost estimator provided. Reviewer Comment (2021-01-29): Received same hazard policy with insufficient coverage.  Policy reflects 100% replacement cost up to policy limits bit verbiage is not acceptable for Guaranteed or full replacement coverage.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304126

19644067

01/22/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-01-29): Received updated commitment with sufficient coverage. Seller Comment (2021-01-26): Revised Title Commitment

Reviewer Comment (2021-01-29): Received updated commitment with sufficient coverage.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302412369

19775281

02/03/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-02-12): Provided two years 1040s and Lease Agreement.xxxx Seller Comment (2021-02-10): returns and lease agreement

Reviewer Comment (2021-02-12): Provided two years 1040s and Lease Agreement.02/10/21

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302412369

19775282

02/03/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - REO Schedule E Method Test

Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (Schedule E Method).  File does not contain most recent year Tax Transcripts, signed and dated 1040's or Schedule E. (xxxx/Schedule E)

Reviewer Comment (2021-02-12): Provided two years 1040s and Lease Agreement.xxxx Seller Comment (2021-02-10): RETURNS

Reviewer Comment (2021-02-12): Provided two years 1040s and Lease Agreement.02/10/21

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302412369

19775283

02/03/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-12): Provided two years 1040s and Lease Agreement.02/10/21

Reviewer Comment (2021-02-12): Provided two years 1040s and Lease Agreement.02/10/21

Cleared

02/12/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302412369

19775284

02/03/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-12): Provided two years 1040s and Lease Agreement.xxxx Seller Comment (2021-02-10): RETURNS

Reviewer Comment (2021-02-12): Provided two years 1040s and Lease Agreement.02/10/21

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302412369

19775405

02/03/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-02-12): Provided, Mortgage statement reflecting escrows and HOA  verification email with copy of check.xxxx Seller Comment (2021-02-10): xxxx

Reviewer Comment (2021-02-12): Provided, Mortgage statement reflecting escrows and HOA  verification email with copy of check. 2/10/21

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302412369

19781915

02/04/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 5.55 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-02-12): Provided updated Investment statemetst.xxxx Seller Comment (2021-02-10): WORKSHEET

Reviewer Comment (2021-02-12): Provided updated Investment statemetst. 2/10/21

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372052

19797656

02/05/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-24): Provided short form Final at $xxxx Seller Comment (2021-02-23): Updated title report uploaded

Reviewer Comment (2021-02-24): Provided short form Final at $xxxx

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372052

19797740

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,752.65 exceeds tolerance of $3,611.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302315904

19615897

01/21/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-10): Received. Buyer Comment (2021-02-08): see attached

Reviewer Comment (2021-02-10): Received.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315904

19615995

01/21/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-03): xxxx received 06/02 e consent. Buyer Comment (2021-01-31): e consent

Reviewer Comment (2021-02-03): xxxx received 06/02 e consent.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302176129

19865239

02/09/2021

Compliance

Federal Compliance

RESPA -  Initial Escrow Account statement Inaccurate

RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

Reviewer Comment (2021-02-17): Provided Final CD reflecting accurate prepaids and monthly escrow payment which matches IEAD Seller Comment (2021-02-16): Please see uploaded final CD.

Reviewer Comment (2021-02-17): Provided Final CD reflecting accurate prepaids and monthly escrow payment which matches IEAD

Cleared

02/17/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302176129

19865240

02/09/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/xxxx)

Reviewer Comment (2021-02-17): Provided Final CD reflecting accurate prepaids and monthly escrow payment which matches IEAD Seller Comment (2021-02-16): Please see uploaded final CD.

Reviewer Comment (2021-02-17): Provided Final CD reflecting accurate prepaids and monthly escrow payment which matches IEAD

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302176129

19865241

02/09/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/xxxx)

Reviewer Comment (2021-02-22): xxxx received CD, exception cleared. Seller Comment (2021-02-16): Uploaded final CD.

Reviewer Comment (2021-02-22): xxxx received CD, exception cleared.

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393556

19801592

02/06/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 43.84431% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-02-26): Updated credit debts as Credit Statement and Credit report provide evidence of payment amount of student loan prior to deferment. Seller Comment (2021-02-24): Using payment $1272 for student loan ending in #7581 - this is the actual monthly payment documented by borrower for the account and credit report supports this payment has been made prior to deferment. Please see the attached loan payment document.

Reviewer Comment (2021-02-26): Updated credit debts as Credit Statement and Credit report provide evidence of payment amount of student loan prior to deferment.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393556

19801607

02/06/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-02-26): Credit Statement and Credit report provide evidence of payment amount prior to deferment and used in qualifications. Seller Comment (2021-02-24): Using payment $1272 for student loan ending in #7581 - this is the actual monthly payment documented by borrower for the account and credit report supports this payment has been made prior to deferment. Please see the attached loan payment document.

Reviewer Comment (2021-02-26): Credit Statement and Credit report provide evidence of payment amount prior to deferment and used in qualifications.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393556

19801608

02/06/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.84431% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-02-26): Credit Statement and Credit report provide evidence of payment amount prior to deferment and used in qualifications. Seller Comment (2021-02-24): Using payment $1272 for student loan ending in #7581 - this is the actual monthly payment documented by borrower for the account and credit report supports this payment has been made prior to deferment. Please see the attached loan payment document.

Reviewer Comment (2021-02-26): Credit Statement and Credit report provide evidence of payment amount prior to deferment and used in qualifications.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393556

19801609

02/06/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-02-26): Credit Statement and Credit report provide evidence of payment amount prior to deferment and used in qualifications. Seller Comment (2021-02-24): Using payment $1272 for student loan ending in #7581 - this is the actual monthly payment documented by borrower for the account and credit report supports this payment has been made prior to deferment. Please see the attached loan payment document.

Reviewer Comment (2021-02-26): Credit Statement and Credit report provide evidence of payment amount prior to deferment and used in qualifications.

Cleared

02/26/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302393556

19801610

02/06/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-02-26): Credit Statement and Credit report provide evidence of payment amount prior to deferment and used in qualifications. Seller Comment (2021-02-24): Using payment $1272 for student loan ending in #7581 - this is the actual monthly payment documented by borrower for the account and credit report supports this payment has been made prior to deferment. Please see the attached loan payment document.

Reviewer Comment (2021-02-26): Credit Statement and Credit report provide evidence of payment amount prior to deferment and used in qualifications.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288801

No Finding

Loan Completed Without Finding

Review Complete

01/30/2021

1

1

302389940

19844008

02/09/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Tax Verification

Reviewer Comment (2021-03-01): Tax verification provided. Seller Comment (2021-02-28): Please review the attached property profile confirming the Taxes.

Reviewer Comment (2021-03-01): Tax verification provided.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302389940

19870505

02/10/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-03-01): Replacement cost estimator provided. Seller Comment (2021-02-28): Please review the attached Replacement Cost Estimator.

Reviewer Comment (2021-03-01): Replacement cost estimator provided.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369399

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302338161

19775039

02/03/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-11): Final title provided with updated coverage amount. Seller Comment (2021-02-09): Title Report

Reviewer Comment (2021-02-11): Final title provided with updated coverage amount.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338161

19775044

02/03/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-02-11): Short-form final provided.

Reviewer Comment (2021-02-11): Short-form final provided.

Cleared

02/11/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302338161

19775057

02/03/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx W-2 Transcript (2018), W-2 Transcript (2019) W-2 Transcript (2018), W-2 Transcript (2019)

Reviewer Comment (2021-02-11): W2 transcripts provided. Seller Comment (2021-02-09): Borrowers are wage earners. Please see paystubs, W2's and transcripts.

Reviewer Comment (2021-02-11): W2 transcripts provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338161

19775108

02/03/2021

Credit

Document Error

Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.

Borrower: xxxx, Borrower: xxxx

Reviewer Comment (2021-02-11): Permanent resident alien cards provided. Seller Comment (2021-02-09): Green Cards

Reviewer Comment (2021-02-11): Permanent resident alien cards provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338161

19784502

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $5,938.80 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-02-21): Received a valid COC. Seller Comment (2021-02-18): COC

Reviewer Comment (2021-02-21): Received a valid COC.

Cleared

02/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302401307

19844961

02/09/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-03-07): E-mail correspondence explaining gap provided. Seller Comment (2021-03-04): Please check the attached doc.

Reviewer Comment (2021-03-07): E-mail correspondence explaining gap provided.

Cleared

03/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302401307

19844962

02/09/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-07): E-mail correspondence explaining gap provided. Seller Comment (2021-03-04): Please check the attached doc.

Reviewer Comment (2021-03-07): E-mail correspondence explaining gap provided.

Cleared

03/07/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302390085

19725511

01/30/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $260.00 exceeds tolerance of $150.00 plus 10% or $165.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-03-03): xxxx received PCCD, exception cleared. Seller Comment (2021-02-24): Please find the attached final closing statement reflecting recording fee as $100 Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflecting a lower recording fee of $100.  Missing final closing statement or evidence of a refund to borrower. Seller Comment (2021-02-16): Please find the attached rebuttal and PCCD

Reviewer Comment (2021-03-03): xxxx received PCCD, exception cleared. Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflecting a lower recording fee of $100.  Missing final closing statement or evidence of a refund to borrower.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302324788

No Finding

Loan Completed Without Finding

Review Complete

01/22/2021

1

1

302317297

19653425

01/24/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-01): xxxx received confirmation of receipt. Seller Comment (2021-01-27): Please review the attached explanation.

Reviewer Comment (2021-02-01): xxxx received confirmation of receipt.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302370953

19736454

02/01/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification

Reviewer Comment (2021-02-08): Received evidence there is no HOA fees. Seller Comment (2021-02-06): Please find the attached  legible copy Reviewer Comment (2021-02-04): Pages are cut off and cant verify amounts Seller Comment (2021-02-03): HOA verification

Reviewer Comment (2021-02-08): Received evidence there is no HOA fees. Reviewer Comment (2021-02-04): Pages are cut off and cant verify amounts

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392495

19722478

01/29/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-09): Received evidence of earlier delivery. Seller Comment (2021-02-05): It seems invalid since Initial CD dated 1-08-2021 was received by the Borrower on the same day and closing was on 1-13-2021 so borrower received initial CD four business days before closing

Reviewer Comment (2021-02-09): Received evidence of earlier delivery.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274675

19237460

xxxx  3:56:24 PM

Compliance

Federal Compliance

K-1 Documentation

Qualified Mortgage (Dodd-Frank 2014): Required K-1s or signed tax returns/transcripts not provided for K-1 (Less than 25% Ownership) income. (xxxx/Schedule K-1 less than 25 Percent)

Reviewer Comment (2021-01-13): K1 income documented based on fiscal vs. calendar year. Buyer Comment (2021-01-07): K1's uploaded

Reviewer Comment (2021-01-13): K1 income documented based on fiscal vs. calendar year.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274675

19237461

xxxx  3:56:24 PM

Compliance

Federal Compliance

K-1 Documentation

Qualified Mortgage (Dodd-Frank 2014): Required K-1s or signed tax returns/transcripts not provided for K-1 (Less than 25% Ownership) income. (xxxx/Schedule K-1 less than 25 Percent)

Reviewer Comment (2021-01-13): K1 income documented based on fiscal vs. calendar year. . Buyer Comment (2021-01-07): 2018 K1 uploaded reflecting fiscal endxxxx

Reviewer Comment (2021-01-13): K1 income documented based on fiscal vs. calendar year. .

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274675

19237464

xxxx  3:56:34 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-13): K1 income documented based on fiscal vs. calendar year. Buyer Comment (2021-01-07): K1 uploaded

Reviewer Comment (2021-01-13): K1 income documented based on fiscal vs. calendar year.

Cleared

01/13/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302274675

19542922

01/13/2021

Compliance

Federal Compliance

Self-Employed Tax Return Recency

Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxx,  Most Recent Tax Return End Date xxxx, Tax Return Due Date xxxx. (xxxx/Schedule K-1 less than 25 Percent)

Buyer Comment (2021-01-14): K1 based on fiscal year not calendar year - informational.

Waived

N

2

2

B

B

B

B

B

302274675

19542923

01/13/2021

Compliance

Federal Compliance

Self-Employed Tax Return Recency

Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxx,  Most Recent Tax Return End Date xxxx, Tax Return Due Date xxxx. (xxxx/Schedule K-1 less than 25 Percent)

Buyer Comment (2021-01-14): K1 based on fiscal year not calendar year - informational.

Waived

N

2

2

B

B

B

B

B

302147204

18980415

xxxx  9:44:27 PM

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xxxx)

Reviewer Comment (2020-12-14): Acknowledgment provided. Buyer Comment (2020-12-10): Apprasail delivered xxxx

Reviewer Comment (2020-12-14): Acknowledgment provided.

Cleared

xxxx  5:32:48 PM

N

2

1

B

A

B

A

B

A

B

A

B

A

302147204

18980495

xxxx  12:17:36 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Broker Admin Fee.  Fee Amount of $399.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712)

Reviewer Comment (2021-01-19): xxxx received copy of Refund check, proof of mailing,  Letter of Explanation & Corrected Closing Disclosure Buyer Comment (2021-01-13): Uploaded Post Close CD, Refund and tracking to cure. Reviewer Comment (2021-01-04): xxxx received COC however it does not identify a valid changed circumstance to add the fee. it appears this is not a title/lender required fee as well. If it was not required by title or lender it should be placed in section H in a corrected CD with LOE to cure.

Reviewer Comment (2021-01-19): xxxx received copy of Refund check, proof of mailing,  Letter of Explanation & Corrected Closing Disclosure Reviewer Comment (2021-01-04): xxxx received COC however it does not identify a valid changed circumstance to add the fee. it appears this is not a title/lender required fee as well. If it was not required by title or lender it should be placed in section H in a corrected CD with LOE to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302250023

19156490

12/03/2020

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $54.00 exceeds tolerance of $8.00.  Insufficient or no cure was provided to the borrower. (75197)

Reviewer Comment (2021-01-19): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Buyer Comment (2021-01-13): Uploaded Post Close CD, LOE, refund check and proof of delivery to cure. Reviewer Comment (2020-12-29): The fee is paid to an affiliate listed on the ABA therefore tested at 0%. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-23): DISREGARD THE UPLOAD IT WAS MEANT FOR A DIFFERENT LOAN BUT PLEASE REVIEW THE COMMENT REGARDING THE FEES IS SUBJECT TO 10% TOLERANCE Buyer Comment (2020-12-23): CD/LOE Buyer Comment (2020-12-23): This fee is actually subject to 10% tolerance and not 0% tolerance as the title recording fee was disclosed upfront in section C as a fee the borrower can shop for and final Title fees disclosed in section B.  Please review and amend.

Reviewer Comment (2021-01-19): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Reviewer Comment (2020-12-29): The fee is paid to an affiliate listed on the ABA therefore tested at 0%. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250023

19159693

12/04/2020

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-07): Lender elects to exclude income from borrower, who is on leave.   DTI increases to 28.799%, still within guidelines. Buyer Comment (2020-12-29): Please see revised 1003/1008 and lox removing Jaclyn income from qualification factors. please remove and waive this exception

Reviewer Comment (2021-01-07): Lender elects to exclude income from borrower, who is on leave.   DTI increases to 28.799%, still within guidelines.

Cleared

01/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250023

19587612

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $54.00 exceeds tolerance of $8.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (75197)

Reviewer Comment (2021-01-19): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Reviewer Comment (2021-01-19): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cured

N

3

2

B

B

B

B

B

302176039

19390475

xxxx  11:06:32 AM

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-01-28): Minor Sch. C loss as a soccer referee adequately documented. Buyer Comment (2021-01-26): Uploaded 2 years signed tax returns and LOE for self employment.

Reviewer Comment (2021-01-28): Minor Sch. C loss as a soccer referee adequately documented.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302176039

19390493

xxxx  11:07:52 AM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-28): Minor Sch. C loss as a soccer referee adequately documented. Buyer Comment (2021-01-26): Uploaded 2 years signed tax returns and LOE for self employment.

Reviewer Comment (2021-01-28): Minor Sch. C loss as a soccer referee adequately documented.

Cleared

01/28/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302170971

19172717

12/06/2020

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-12): Signed business returns provided for xxxx. Buyer Comment (2021-01-06): 2019 & 2018 1120S signed Minnesota

Reviewer Comment (2021-01-12): Signed business returns provided for xxxx.

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302170971

19172718

12/06/2020

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-26): Signed and dated business returns provided. Buyer Comment (2021-01-25): Signed 2018-2019 business returns for xxxx and signed P&L and Balance sheet Reviewer Comment (2021-01-12): Still need signed business returns for xxxx. Buyer Comment (2021-01-06): 2019 & 2018 1065  signed Invicta

Reviewer Comment (2021-01-26): Signed and dated business returns provided. Reviewer Comment (2021-01-12): Still need signed business returns for xxxx.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302170971

19172719

12/06/2020

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2020-12-21): Rate lock date documented. Buyer Comment (2020-12-20): COC

Reviewer Comment (2020-12-21): Rate lock date documented.

Cleared

xxxx  12:38:16 PM

N

2

1

B

A

B

A

B

A

B

A

B

A

302170971

19172720

12/06/2020

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-26): Signed and dated business returns provided. Reviewer Comment (2021-01-12): Still need signed business returns for xxxx. Buyer Comment (2021-01-06): signed returns uploaded

Reviewer Comment (2021-01-26): Signed and dated business returns provided. Reviewer Comment (2021-01-12): Still need signed business returns for xxxx.

Cleared

01/26/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302170970

19376033

xxxx  4:48:40 PM

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-01-24): Documented coverage exceeds loan amount. Buyer Comment (2021-01-22): The property has a detached garage which was considered in the appraised value.  The hazard insurance shows other structures insured for $66,460.  If you add this to the dwelling coverage it equals $731,060.  The loan amount is $xxxx.  Please clear this condition.

Reviewer Comment (2021-01-24): Documented coverage exceeds loan amount.

Cleared

01/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302170970

19376207

xxxx  5:07:26 PM

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-01-19): Gap letter provided. Buyer Comment (2021-01-14): Gap letter provided.

Reviewer Comment (2021-01-19): Gap letter provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302170970

19376208

xxxx  5:07:26 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-19): Gap letter provided.

Reviewer Comment (2021-01-19): Gap letter provided.

Cleared

01/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302316232

19899433

02/12/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-03-01): Second appraisal provided supports value. Seller Comment (2021-02-26): 2nd appraisal attached

Reviewer Comment (2021-03-01): Second appraisal provided supports value.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265809

19589432

01/19/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-04): Gap letter provided. Buyer Comment (2021-02-02): Gap of employment letter attached

Reviewer Comment (2021-02-04): Gap letter provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265809

19589433

01/19/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-04): Gap letter provided.

Reviewer Comment (2021-02-04): Gap letter provided.

Cleared

02/04/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302303206

19848714

02/09/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-12): Client acknowledges.

Reviewer Comment (2021-02-12): Client acknowledges.

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302303206

19848715

02/09/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 22,584.87 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-26): xxxx received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2021-02-19): AMC Images.D0136 - Tax Estimator in file. Annual costs: $23,400.00/12 = $1950.00 + $103.17 = Monthly Est Escrow = $2053.17 x 12  = $24,638.04. xxxx PCCD provided is accurate. Please re-review. Reviewer Comment (2021-02-15): Received PCCD issuedxxxx reflects the same incorrect monthly estimated taxes, insurance and assessments as $2,053.17; calculated amount is $2,297.18. Seller Comment (2021-02-12): PCCD

Reviewer Comment (2021-02-26): xxxx received Letter of Explanation & Corrected Closing Disclosure. Reviewer Comment (2021-02-15): Received PCCD issuedxxxx reflects the same incorrect monthly estimated taxes, insurance and assessments as $2,053.17; calculated amount is $2,297.18.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302249986

19558567

01/14/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-09): Replacement cost estimator provided. Buyer Comment (2021-02-05): Providing the RCE which shows replacement cost estimate of $473,508, Providing the policy which dwelling coverage of $473,500 with replacement cost of 25% above the dwelling so total dwelling coverage is $591,875.

Reviewer Comment (2021-02-09): Replacement cost estimator provided.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327778

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302304111

19926081

02/16/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $60.00 exceeds tolerance of $51.00 plus 10% or $56.10.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302304111

19926089

02/16/2021

Compliance

Federal Compliance

RESPA Disclosure - List of Homeownership Counseling Organizations Missing

RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.

Reviewer Comment (2021-02-26): Received the Homeownership Counseling Disclosure and List of Organizations. Seller Comment (2021-02-25): Homeowner's counseling list

Reviewer Comment (2021-02-26): Received the Homeownership Counseling Disclosure and List of Organizations.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302128029

19809424

02/08/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-23): Received evidence of an additional 25% extended coverage. Seller Comment (2021-02-22): uploaded the policy showing Replacement Cost Estimator.  Please clear

Reviewer Comment (2021-02-23): Received evidence of an additional 25% extended coverage.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302128029

19809604

02/08/2021

Credit

Credit Documentation

Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification.

Credit Report: Original // Liability Type: Revolving / Current Balance: $24,370.00 / Line Limit: $31,100.00

Reviewer Comment (2021-02-21): Credit supplement provided to document single active account. Seller Comment (2021-02-19): Credit report supplement attached

Reviewer Comment (2021-02-21): Credit supplement provided to document single active account.

Cleared

02/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302128029

19809699

02/08/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-21): Dates documented. Seller Comment (2021-02-19): Business license attached

Reviewer Comment (2021-02-21): Dates documented.

Cleared

02/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302269199

19590665

01/20/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-05): VVOE after Note date but prior to disbursement. Buyer Comment (2021-02-03): VVOE for xxxx dated within 5 days of funding.

Reviewer Comment (2021-02-05): VVOE after Note date but prior to disbursement.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269199

19590722

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $925.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-20): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-20): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302269199

19590723

01/20/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-02): PCCD and LOE provided to revise disbursement date. Buyer Comment (2021-01-29): Uploaded PCCD with accurate disbursement date.

Reviewer Comment (2021-02-02): PCCD and LOE provided to revise disbursement date.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302214443

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302248781

19594235

01/20/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx, NC Tax Verification

Reviewer Comment (2021-02-03): Tax cert provided for vacant land. Buyer Comment (2021-01-30): xxxx tax info attached Buyer Comment (2021-01-30): xxxx tax info attached Buyer Comment (2021-01-30): xxxx Info attached

Reviewer Comment (2021-02-03): Tax cert provided for vacant land.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270498

19593614

01/20/2021

Compliance

Federal Compliance

Social Security Documentation

Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (xxxx/Social Security)

Reviewer Comment (2021-02-03): Award letter provided. Buyer Comment (2021-01-30): SS Award Letter attached

Reviewer Comment (2021-02-03): Award letter provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270498

19593615

01/20/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-03): Award letter provided.

Reviewer Comment (2021-02-03): Award letter provided.

Cleared

02/03/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302270498

19597660

01/20/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-02-03): Payoff provided. Buyer Comment (2021-01-30): Payoff letter attached

Reviewer Comment (2021-02-03): Payoff provided.

Cleared

02/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302270498

19600645

01/20/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-02-03): Military VOE provided. Buyer Comment (2021-01-30): VVOE current employment attached

Reviewer Comment (2021-02-03): Military VOE provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269305

19593326

01/20/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-04): Signed/dated P&L and balance sheet provided. Buyer Comment (2021-02-01): Signed and date P & L uploaded Reviewer Comment (2021-01-22): Acknowledge YTD P&L provided but not signed or dated by borrower.  Missing balance sheet. Buyer Comment (2021-01-21): Please remove this condition, however the file contained a YTD P&L that is not signed or dated. Please provide a signed and dated PTC on the YTD P&L by the borrower. Thank you.

Reviewer Comment (2021-02-04): Signed/dated P&L and balance sheet provided. Reviewer Comment (2021-01-22): Acknowledge YTD P&L provided but not signed or dated by borrower.  Missing balance sheet.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269305

19593331

01/20/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-11): Settlement statement and post closing CD uploaded as Doc Id's 184 and 182 are sufficient to clear the finding. Buyer Comment (2021-02-11): Uploaded final settlement statement reflecting accurate disbursement and PCCD.

Reviewer Comment (2021-02-11): Settlement statement and post closing CD uploaded as Doc Id's 184 and 182 are sufficient to clear the finding.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269305

19593511

01/20/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-02-04): Payoff statement provided. Buyer Comment (2021-02-01): Payoff received

Reviewer Comment (2021-02-04): Payoff statement provided.

Cleared

02/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302269305

19593514

01/20/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-04): Signed/dated P&L and balance sheet provided. Buyer Comment (2021-02-01): P & L and balance Reviewer Comment (2021-01-22): Acknowledge YTD P&L provided but not signed or dated by borrower.  Missing balance sheet. Buyer Comment (2021-01-21): Please remove this condition as the file contains a copy of the business license and business entity license confirming the borrower xxxx is the owner, the business has been in existence for > 24 months and is still active.  Thank you.

Reviewer Comment (2021-02-04): Signed/dated P&L and balance sheet provided. Reviewer Comment (2021-01-22): Acknowledge YTD P&L provided but not signed or dated by borrower.  Missing balance sheet.

Cleared

02/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302269305

19593515

01/20/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-04): Signed/dated P&L and balance sheet provided.

Reviewer Comment (2021-02-04): Signed/dated P&L and balance sheet provided.

Cleared

02/04/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302269305

19596777

01/20/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-22): VVOE prior to disbursement.  Acceptable. Buyer Comment (2021-01-21): Please remove this condition for a VVOE dated within 5 days prior to close for xxxx employment with xxxx. The State of Washington is an escrow state and the VVOE was dated after close and prior to/at time of funding, therefore meets guides. Thank you.

Reviewer Comment (2021-01-22): VVOE prior to disbursement.  Acceptable.

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269305

19596909

01/20/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-02-04): Correct form provided and executed by the borrower.  Rescission re-opened. Buyer Comment (2021-02-03): Uploaded revised ROR, LOE and certification of delivery

Reviewer Comment (2021-02-04): Correct form provided and executed by the borrower.  Rescission re-opened.

Cured

N

2

2

B

B

B

B

B

B

B

B

B

B

302269305

19597065

01/20/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Balance Sheet

Reviewer Comment (2021-02-04): Signed/dated P&L and balance sheet provided.

Reviewer Comment (2021-02-04): Signed/dated P&L and balance sheet provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259702

19537846

01/12/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-01-25): Payoff statement provided. Buyer Comment (2021-01-22): payoff

Reviewer Comment (2021-01-25): Payoff statement provided.

Cleared

01/25/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302259702

19537847

01/12/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-25): PCCD issued to revise disbursement date. Buyer Comment (2021-01-22): PCCD

Reviewer Comment (2021-01-25): PCCD issued to revise disbursement date.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320966

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302390108

20317195

xxxx  2:09:51 PM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-01-05): Received Buyer Comment (2021-01-04): CDAIR uploaded for your review.

Reviewer Comment (2021-01-05): Received

Cleared

01/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302390108

20317196

xxxx  2:30:37 PM

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-05): All Rental Income documents provided, as required.

Reviewer Comment (2021-01-05): All Rental Income documents provided, as required.

Cleared

01/05/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302390108

20317197

xxxx  2:30:37 PM

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-280.00. (9300)

Reviewer Comment (2021-01-06): xxxx received 09/28 VCC. Buyer Comment (2021-01-04): 10/1 Change of circumstance uploaded for your review.

Reviewer Comment (2021-01-06): xxxx received 09/28 VCC.

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302390108

20317198

xxxx  2:30:37 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $4,715.28 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-01-06): xxxx received 09/28 VCC. Buyer Comment (2021-01-04): 10/1 Change of circumstance uploaded for your review.

Reviewer Comment (2021-01-06): xxxx received 09/28 VCC.

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302390108

20317199

xxxx  6:11:00 PM

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - REO Schedule E Method Test

Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (Schedule E Method).  File does not contain most recent year Tax Transcripts, signed and dated 1040's or Schedule E. (xxxx/Schedule E)

Reviewer Comment (2021-01-05): All Rental Income documents provided, as required. Buyer Comment (2021-01-04): Rental LOE and agreements uploaded for your review. Buyer Comment (2021-01-04): 2019 tax returns and tax transcripts uploaded for your review.

Reviewer Comment (2021-01-05): All Rental Income documents provided, as required.

Cleared

01/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302390108

20317200

xxxx  6:11:00 PM

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - REO Schedule E Method Test

Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (Schedule E Method).  File does not contain most recent year Tax Transcripts, signed and dated 1040's or Schedule E. (xxxx/Schedule E)

Reviewer Comment (2021-01-05): All Rental Income documents provided, as required. Buyer Comment (2021-01-04): Rental LOE and agreements uploaded for your review. Buyer Comment (2021-01-04): 2019 tax returns and transcripts uploaded for your review.

Reviewer Comment (2021-01-05): All Rental Income documents provided, as required.

Cleared

01/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302390108

20317201

xxxx  6:17:26 PM

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-01-05): All Rental Income documents provided, as required. Buyer Comment (2021-01-04): Rental LOE and agreements uploaded for your review. Buyer Comment (2021-01-04): 2019 tax returns and transcripts uploaded for your review.

Reviewer Comment (2021-01-05): All Rental Income documents provided, as required.

Cleared

01/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302390108

20317202

xxxx  6:17:26 PM

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-01-05): All Rental Income documents provided, as required. Buyer Comment (2021-01-04): Rental LOE and agreements uploaded for your review. Buyer Comment (2021-01-04): 2019 tax returns and transcripts uploaded for your review.

Reviewer Comment (2021-01-05): All Rental Income documents provided, as required.

Cleared

01/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302390108

20317203

xxxx  6:22:29 PM

Compliance

Federal Compliance

Overtime Bonus 2Yr Calc

Qualified Mortgage (Dodd-Frank 2014): Use of Overtime/Bonus income for less than two (2) years not justified or documented in writing. (xxxx/Bonus)

Reviewer Comment (2021-01-13): Sufficient evidence of continued bonus income provided and justification. Buyer Comment (2021-01-12): Borrower's recent compensation report uploaded for your review. Reviewer Comment (2021-01-08): FNMA allows the lower amount when the declining income has stabilized and there is not reason to believe that the borrower will not continue to receive at the current level, nothing was provided to verify this.  FNMA states when the trend is declining, it may not be stable, additional analysis must be conducted to determine if any bonus income should be used. Buyer Comment (2021-01-07): The UW used the lowest of the three years, not the average, for the bonus income. The borrower has been on her over 20 years.  2020 figure is lower because of the pandemic and months when everything was shut down.  Please see income calculator and VOE with income uploaded for your review. Reviewer Comment (2021-01-05): Written justification from the lender is required for using a 3 year average of the bonus income that is documented in the file as decreasing over the last 2+ years. Buyer Comment (2021-01-04): The borrower has been working for FedEx as a Worldwide Account Manager for 20 years and the UW used the average of 3 years. Please see income calculation worksheet uploaded for your review.

Reviewer Comment (2021-01-13): Sufficient evidence of continued bonus income provided and justification. Reviewer Comment (2021-01-08): FNMA allows the lower amount when the declining income has stabilized and there is not reason to believe that the borrower will not continue to receive at the current level, nothing was provided to verify this.  FNMA states when the trend is declining, it may not be stable, additional analysis must be conducted to determine if any bonus income should be used. Reviewer Comment (2021-01-05): Written justification from the lender is required for using a 3 year average of the bonus income that is documented in the file as decreasing over the last 2+ years.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302390108

20317204

xxxx  6:22:29 PM

Compliance

Federal Compliance

Trust Income Documentation

Qualified Mortgage (Dodd-Frank 2014): Trust income documentation requirement not met. (Tannous,Helen (employer unknown)/Trust Income)

Reviewer Comment (2021-01-13): All required trust documents provided. Buyer Comment (2021-01-12): Receipt of trust payments uploaded for your review. Reviewer Comment (2021-01-08): The check is not a cancelled check and the date does not seem to coincide with September or October deposits. Buyer Comment (2021-01-07): Copy of a check that was received uploaded for your review. Reviewer Comment (2021-01-05): There are 2 bank statements in the file for September and October 2020 that show a mobile deposit of $900; however, the deposit date is not consistent between the 2 months, and no other documentation to verify those deposits are from the trust income.  The letter verified continuance of the income source, but still need evidence the borrower actually received the amount noted in the letter. Buyer Comment (2021-01-04): Please trust income requirements from Appendix Q. Reviewer Comment (2020-12-31): Trustees statement says $900 a month is given, need documentation of receipt of payment. Buyer Comment (2020-12-30): Trust documents uploaded for your review.

Reviewer Comment (2021-01-13): All required trust documents provided. Reviewer Comment (2021-01-08): The check is not a cancelled check and the date does not seem to coincide with September or October deposits. Reviewer Comment (2021-01-05): There are 2 bank statements in the file for September and October 2020 that show a mobile deposit of $900; however, the deposit date is not consistent between the 2 months, and no other documentation to verify those deposits are from the trust income.  The letter verified continuance of the income source, but still need evidence the borrower actually received the amount noted in the letter. Reviewer Comment (2020-12-31): Trustees statement says $900 a month is given, need documentation of receipt of payment.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302390108

20317205

xxxx  6:22:29 PM

Compliance

Federal Compliance

Trust Income Withdrawn

Qualified Mortgage (Dodd-Frank 2014): Documentation not provided to support that withdrawal of funds in Trust account used for cash investment will not negatively affect income. (xxxx/Trust Income)

Reviewer Comment (2021-02-08): cleared Buyer Comment (2021-02-05): There is a letter in the file stating it will continue beyond 3 years Reviewer Comment (2021-02-04): The money is being removed on a monthly basis for income, assets have not been provided to support continuance. Buyer Comment (2021-02-03): there was no money removed from the trust from cash investments please advise Reviewer Comment (2021-01-21): This is a Compliance exception relating to QM documentation. If you wish to waive this the grade will not change. Buyer Comment (2021-01-20): Exception to to allow the letter from Trustee stating enough funds in Trust to be used to verify the balance and continuance of the income uploaded for your review. Reviewer Comment (2021-01-13): As noted previously, the letter is not sufficient to verify the assets available for the trust income.  A statement is required to verify the assets used to pay the trust income is sufficient for the source of income to continue. Buyer Comment (2021-01-12): Receipt of trust payments uploaded for your review. Reviewer Comment (2021-01-08): The check is not a cancelled check and the date does not seem to coincide with September or October deposits. Buyer Comment (2021-01-07): Trust letter uploaded for your review. Reviewer Comment (2021-01-05): The letter provided stating there are sufficient assets in the trust is not sufficient.  A statement is required to verify the balance and continuance of the income. Buyer Comment (2021-01-04): Trust income documentation from Appendix Q uploaded. Reviewer Comment (2020-12-31): Trustees statement says $900 a month is given, need documentation of receipt of payment. Buyer Comment (2020-12-30): Trust documents uploaded for your review.

Reviewer Comment (2021-02-08): cleared Reviewer Comment (2021-02-04): The money is being removed on a monthly basis for income, assets have not been provided to support continuance. Reviewer Comment (2021-01-21): This is a Compliance exception relating to QM documentation. If you wish to waive this the grade will not change. Reviewer Comment (2021-01-13): As noted previously, the letter is not sufficient to verify the assets available for the trust income.  A statement is required to verify the assets used to pay the trust income is sufficient for the source of income to continue. Reviewer Comment (2021-01-08): The check is not a cancelled check and the date does not seem to coincide with September or October deposits. Reviewer Comment (2021-01-05): The letter provided stating there are sufficient assets in the trust is not sufficient.  A statement is required to verify the balance and continuance of the income. Reviewer Comment (2020-12-31): Trustees statement says $900 a month is given, need documentation of receipt of payment.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302390108

20317206

xxxx  6:22:29 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-08): cleared

Reviewer Comment (2021-02-08): cleared

Cleared

02/08/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302173339

19871909

02/10/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 18,309.39 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-03): PCCD and LOE provided. Seller Comment (2021-02-25): PCCD and LOE

Reviewer Comment (2021-03-03): PCCD and LOE provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302173339

19897422

02/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire.  Fee Amount of $79.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75215)

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302405852

No Finding

Loan Completed Without Finding

Review Complete

01/12/2021

1

1

302301582

19165589

12/04/2020

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2020-12-28): Delivery acknowledgment provided. Buyer Comment (2020-12-22): ECOA

Reviewer Comment (2020-12-28): Delivery acknowledgment provided.

Cleared

xxxx  6:25:53 PM

N

2

1

B

A

B

A

B

A

B

A

B

A

302301582

19165628

12/04/2020

Credit

Guideline Issue

Aged document: Asset Account date is more than 90 days prior to Closing.

Financial Institution: xxxx // Account Type: 401(k)/403(b) Account / Account Number: xxxx

Reviewer Comment (2021-01-14): Explanation provided regarding combination of retirement accounts.  Loan meets guideline reserve requirements with xxxx account removed from calculations. Buyer Comment (2021-01-12): Please see LOX on aged statement. Reviewer Comment (2020-12-28): Additional xxxx bank statement uploaded.  However, exception is regarding xxxx retirement account statements. Buyer Comment (2020-12-22): Asset documentation uploaded.

Reviewer Comment (2021-01-14): Explanation provided regarding combination of retirement accounts.  Loan meets guideline reserve requirements with xxxx account removed from calculations. Reviewer Comment (2020-12-28): Additional xxxx bank statement uploaded.  However, exception is regarding xxxx retirement account statements.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302134286

18996985

xxxx  2:58:35 PM

Credit

Credit Calculation / Analysis

Guideline Issue:  Insufficient tradelines per credit guidelines

Reviewer Comment (2021-02-19): Client acknowledged based on the borrower's reserve profile. Buyer Comment (2021-02-18): Please downgrade to level EV2 and waive with comp factors; 26 months reserves, 7 years with same employer, residual income, $7,919.74. Reviewer Comment (2021-02-12): Exception approval required. Buyer Comment (2021-02-07): Exception request noted.  Documentation of approval is required to waive/change grade. Buyer Comment (2021-02-04): Please clear this exception based on the exception request provided Buyer Comment (2021-02-02): Exception request provided. Buyer Comment (2021-01-29): Uploaded Tradeline Exception Form

Reviewer Comment (2021-02-19): Client acknowledged based on the borrower's reserve profile. Reviewer Comment (2021-02-12): Exception approval required.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302134286

18997893

xxxx  4:28:15 PM

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2020-12-02): Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2020-12-02): Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years.

Waived

N

3

2

C

B

B

B

C

B

C

B

C

B

302134286

18997952

xxxx  4:31:15 PM

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-01-28): CDA with 0% variance provided. Buyer Comment (2021-01-27): CDA uploaded

Reviewer Comment (2021-01-28): CDA with 0% variance provided.

Cleared

01/28/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302134286

18997965

xxxx  4:32:37 PM

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx

Reviewer Comment (2021-02-04): 2 months bank statements received. Buyer Comment (2021-02-04): bank statement uploaded

Reviewer Comment (2021-02-04): 2 months bank statements received.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302134286

18998281

xxxx  5:10:32 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Transcripts (2018), Transcripts (2019)

Reviewer Comment (2021-01-07): 2017 and 2018 transcripts provided.  No hit for 2019 documented. Buyer Comment (2020-12-30): 2018 & 2017 transcripts uploaded. Re requesting 2019

Reviewer Comment (2021-01-07): 2017 and 2018 transcripts provided.  No hit for 2019 documented.

Cleared

01/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302134286

18998373

xxxx  5:21:39 PM

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-29): Entity was Schedule C in 2018 Buyer Comment (2021-01-27): There are no 2018 1120S business was a schedule C in  2018. please see 2019 1120S for  xxxx  it reflects incorporated date  1/1/2019

Reviewer Comment (2021-01-29): Entity was Schedule C in 2018

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302134286

18998374

xxxx  5:21:39 PM

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-01): Received required documentation.

Reviewer Comment (2021-02-01): Received required documentation.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302134286

18998405

xxxx  5:22:59 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-02): SHQM Loan Buyer Comment (2021-02-02): Balance sheet and P&L

Reviewer Comment (2021-02-02): SHQM Loan

Cleared

02/02/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302134286

18998408

xxxx  5:22:59 PM

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $270.00 exceeds tolerance of $183.00 plus 10% or $201.30.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-01-29): xxxx received correct CD, final settlement statement, and LOE. Reviewer Comment (2021-01-29): Re-opening exception for further analysis. Reviewer Comment (2021-01-27): xxxx received LOE however the 60 days from discovery expired xxxxUnable to Cure. Buyer Comment (2021-01-22): LOE Reviewer Comment (2021-01-06): xxxx received PCCD updated recording fees and FSS. Please provide LOE to cure. Buyer Comment (2020-12-31): CD/FSS

Reviewer Comment (2021-01-29): xxxx received correct CD, final settlement statement, and LOE. Reviewer Comment (2021-01-29): Re-opening exception for further analysis. Reviewer Comment (2021-01-27): xxxx received LOE however the 60 days from discovery expired xxxxUnable to Cure. Reviewer Comment (2021-01-06): xxxx received PCCD updated recording fees and FSS. Please provide LOE to cure.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325155

19257799

12/01/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Issue:  Refinance seasoning requirements not met

Reviewer Comment (2020-12-02): Comp factors used to waive exception

Reviewer Comment (2020-12-02): Comp factors used to waive exception

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has been employed in the same industry for more than 5 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.

Waived

N

3

2

B

B

B

B

B

B

B

B

B

B

302325155

19257801

12/01/2020

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2020-12-07): Appraisal  Risk Review provided, which supports value within the 10% variance allowed. Buyer Comment (2020-12-04): see ARR

Reviewer Comment (2020-12-07): Appraisal  Risk Review provided, which supports value within the 10% variance allowed.

Cleared

12/07/2020

N

3

1

D

A

D

A

D

A

D

A

D

A

302426775

20317138

01/12/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-01-26): Cleared Buyer Comment (2021-01-25): see ARR / secondary valuation Buyer Comment (2021-01-25): Guidelines 21.6.6 allow up to 6% contributions

Reviewer Comment (2021-01-26): Cleared

Cleared

01/26/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302426775

20317139

01/12/2021

Credit

Asset Eligibility

Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines

Reviewer Comment (2021-01-21): Cleared Buyer Comment (2021-01-21): Please see CD p3 - L5 reflects $50,000 seller credit, the other credits are adjustments for rent and security deposits paid by tenant that were transferred to the buyer  prorated from date of closing and are not a true Seller Credit as cited Buyer Comment (2021-01-19): CD reflects the actual seller credit is only $50,000, the remaining adjustments are aggregate adjustment of $2353.22 and rent and security deposit transfers and are not material

Reviewer Comment (2021-01-21): Cleared

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302426775

20317143

01/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $750.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75174)

Reviewer Comment (2021-01-25): xxxx received attestation fee was outsourced by chosen provider. Buyer Comment (2021-01-21): Please see Attestation Reviewer Comment (2021-01-20): As the fee in question was not disclosed on the LE, the service is not considered shoppable and therefore subject to 0% tolerance.  Fee is disclosed as "Survey Fee" and not a Title fee. If the lender required the survey fee then a cure is due to the borrower for not previously disclosing the fee. All title fees were also entered in Section B, but appears were not paid to a vendor on the SSPL disclosure.  If the borrower-chosen service provider (xxxx) further outsourced the Survey Fee to xxxx, we would accept an attestation confirming this.  Ideally, the attestation would come from the service provider, but if that cannot be obtained, we would accept one from the lender. The attestation should confirm that the service was outsourced by the borrower-chosen provider and should be on either the provider's or the lender's letterhead. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Buyer Comment (2021-01-19): SSPL reflects borrower shopped title companies, as a result borrower chosen title company has additional 3rd party fees

Reviewer Comment (2021-01-25): xxxx received attestation fee was outsourced by chosen provider. Reviewer Comment (2021-01-20): As the fee in question was not disclosed on the LE, the service is not considered shoppable and therefore subject to 0% tolerance.  Fee is disclosed as "Survey Fee" and not a Title fee. If the lender required the survey fee then a cure is due to the borrower for not previously disclosing the fee. All title fees were also entered in Section B, but appears were not paid to a vendor on the SSPL disclosure.  If the borrower-chosen service provider (xxxx) further outsourced the Survey Fee to xxxx, we would accept an attestation confirming this.  Ideally, the attestation would come from the service provider, but if that cannot be obtained, we would accept one from the lender. The attestation should confirm that the service was outsourced by the borrower-chosen provider and should be on either the provider's or the lender's letterhead. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302426775

20317144

01/20/2021

Credit

Asset Eligibility

Guideline Issue: Seller concessions exceeds the amount allowed per credit guidelines

Reviewer Comment (2021-01-26): Cleared Buyer Comment (2021-01-25): Guidelines section 21.6.6 allows up to 6% IPC on primary residence Reviewer Comment (2021-01-21): The 50,000 dollar credit by itself exceed the 2% allowance Buyer Comment (2021-01-21): Please see CD p3 - L5 reflects $50,000 seller credit, the other credits are adjustments for rent and security deposits paid by tenant that were transferred to the buyer  prorated from date of closing and are not a true Seller Credit as cited

Reviewer Comment (2021-01-26): Cleared Reviewer Comment (2021-01-21): The 50,000 dollar credit by itself exceed the 2% allowance

Cleared

01/26/2021

N

3

1

A

A

A

A

A

302045764

19014218

xxxx  8:14:56 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75106)

Reviewer Comment (2021-01-07): xxxx received refund check and proof of mailing. Buyer Comment (2021-01-04): cure docs uploaded Reviewer Comment (2020-12-29): xxxx received PCCD and LOE. Please provide refund check and proof of mailing. Buyer Comment (2020-12-23): See uploaded cure documents

Reviewer Comment (2021-01-07): xxxx received refund check and proof of mailing. Reviewer Comment (2020-12-29): xxxx received PCCD and LOE. Please provide refund check and proof of mailing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302045764

19014219

xxxx  8:14:56 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $80.14 exceeds tolerance of $25.00.  Insufficient or no cure was provided to the borrower. (7520)

Reviewer Comment (2021-02-01): xxxx received attestation for discovery date, letter of explanation, refund check, and corrected CD. Reviewer Comment (2021-02-01): Re-opening exception for further review. Reviewer Comment (2021-01-28): xxxx received copy of Refund check, proof of mailing,  Letter of Explanation & Corrected Closing Disclosure, exception is unable to clear as it exceeds 60 days from Discovery. Buyer Comment (2021-01-25): proof of refund and mailing Reviewer Comment (2021-01-25): Please provide refund check to cure. Buyer Comment (2021-01-20): PCCD and LOE for $15.82 cure amount. Reviewer Comment (2021-01-20): xxxx reviewed document. A change is settlement company is not related to the credit report fee. If a VCC occurred please provide document or please provide a corrected CD, LOE, and refund check to cure Buyer Comment (2021-01-13): D0133 COC documents credit report increase - change in settelment company. Binding tolerance should be $41.00 for credit report. Reviewer Comment (2021-01-07): xxxx received PCCD and LOE indicating an additional $150 which would appear to be for the CDA fee. An additional $15.66 is need to cure this exception. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2021-01-04): cure docs Reviewer Comment (2020-12-29): xxxx received PCCD and LOE indicating an additional $150 which would appear to be for the CDA fee. An additional $15.66 is need to cure this exception. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Reviewer Comment (2020-12-21): xxxx received Corrected CD, LOE to borrower and Final Settlement Statement.  Cure at closing of $39.32 reflected on Final CD and Corrected CD issued 12-14-20 is insufficient to cure.  Provide a Corrected CD, a copy of the refund check for remaining cure of $15.82, Proof of mailing, and a letter of explanation sent to the borrower disclosing the changes made.  (FYI the Collateral Desktop Analysis 0% tolerance violation of $150 would not be included in these calculations and if curing will need add'l refund to borrower beyond this exceptions figures) Buyer Comment (2020-12-17): PCCD

Reviewer Comment (2021-02-01): xxxx received attestation for discovery date, letter of explanation, refund check, and corrected CD. Reviewer Comment (2021-02-01): Re-opening exception for further review. Reviewer Comment (2021-01-28): xxxx received copy of Refund check, proof of mailing,  Letter of Explanation & Corrected Closing Disclosure, exception is unable to clear as it exceeds 60 days from Discovery. Reviewer Comment (2021-01-25): Please provide refund check to cure. Reviewer Comment (2021-01-20): xxxx reviewed document. A change is settlement company is not related to the credit report fee. If a VCC occurred please provide document or please provide a corrected CD, LOE, and refund check to cure Reviewer Comment (2021-01-07): xxxx received PCCD and LOE indicating an additional $150 which would appear to be for the CDA fee. An additional $15.66 is need to cure this exception. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Reviewer Comment (2020-12-29): xxxx received PCCD and LOE indicating an additional $150 which would appear to be for the CDA fee. An additional $15.66 is need to cure this exception. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Reviewer Comment (2020-12-21): xxxx received Corrected CD, LOE to borrower and Final Settlement Statement.  Cure at closing of $39.32 reflected on Final CD and Corrected CD issued 12-14-20 is insufficient to cure.  Provide a Corrected CD, a copy of the refund check for remaining cure of $15.82, Proof of mailing, and a letter of explanation sent to the borrower disclosing the changes made.  (FYI the Collateral Desktop Analysis 0% tolerance violation of $150 would not be included in these calculations and if curing will need add'l refund to borrower beyond this exceptions figures)

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302045764

19155026

12/03/2020

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2020-12-03): Inspection dated xxxxndicates no damage.

Reviewer Comment (2020-12-03): Inspection dated xxxxndicates no damage.

Cleared

12/03/2020

N

3

1

A

A

A

A

A

302147452

18984168

xxxx  11:48:22 AM

Credit

Closing / Title

Missing Document: Security Instrument - Subject Lien not provided

Reviewer Comment (2020-12-11): Security instrument provided. Buyer Comment (2020-12-08): Deed and rider uploaded

Reviewer Comment (2020-12-11): Security instrument provided.

Cleared

xxxx  5:26:17 PM

N

3

1

D

A

D

A

D

A

D

A

D

A

302147452

18987130

xxxx  3:33:54 PM

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-01-04): Replacement cost estimator provided. Buyer Comment (2020-12-30): Providing the replacement cost estimator.

Reviewer Comment (2021-01-04): Replacement cost estimator provided.

Cleared

01/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302147452

18987237

xxxx  3:39:38 PM

Credit

Closing / Title

Missing Document: Rider - PUD not provided

Reviewer Comment (2020-12-11): PUD rider provided. Buyer Comment (2020-12-08): Deed and rider uploaded

Reviewer Comment (2020-12-11): PUD rider provided.

Cleared

xxxx  5:26:30 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302147452

18988029

xxxx  4:28:29 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $111.20 exceeds tolerance of $104.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2020-11-16): Sufficient Cure Provided At Closing

Reviewer Comment (2020-11-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302066018

18818874

xxxx  3:58:57 PM

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. (Type:Secondaxxxx020)

Reviewer Comment (2020-11-17): Acknowledgment provided. Buyer Comment (2020-11-12): ECOA

Reviewer Comment (2020-11-17): Acknowledgment provided.

Cleared

xxxx  11:52:56 AM

N

2

1

B

A

B

A

B

A

B

A

B

A

302066018

18854363

xxxx  5:19:25 AM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 Transcript (2018), W-2 Transcript (2019)

Reviewer Comment (2020-12-09): Transcripts provided. Buyer Comment (2020-12-08): 1040 transcripts have been provided, meeting guidelines/

Reviewer Comment (2020-12-09): Transcripts provided.

Cleared

12/09/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302066018

18854378

xxxx  5:33:44 AM

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $173,121.90 is less than Cash From Borrower $176,642.72.

Reviewer Comment (2021-01-27): HELOC on other property documented. Buyer Comment (2021-01-25): Heloc Note uploaded Reviewer Comment (2020-12-22): Lender worksheet references a $73K HELOC withdrawal.  Unable to locate documentation for this. Buyer Comment (2020-12-17): Lender break down of all assets uploaded, please review and advise Reviewer Comment (2020-12-16): No additional assets provided. Buyer Comment (2020-12-11): Assets uploaded Reviewer Comment (2020-11-17): Worksheet in file indicates that xxxx Acct xxxx was calculated by lender at 100% usability.  Statements indicate that it is primarily stocks and should be at 70% usability.  Cash portions of both xxxx accounts are in xxxx at 100%. Buyer Comment (2020-11-11): uploaded additional asset.  Please clear.

Reviewer Comment (2021-01-27): HELOC on other property documented. Reviewer Comment (2020-12-22): Lender worksheet references a $73K HELOC withdrawal.  Unable to locate documentation for this. Reviewer Comment (2020-12-16): No additional assets provided. Reviewer Comment (2020-11-17): Worksheet in file indicates that xxxx Acct xxxx was calculated by lender at 100% usability.  Statements indicate that it is primarily stocks and should be at 70% usability.  Cash portions of both xxxx accounts are in xxxx at 100%.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271633

19551427

01/14/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-01): VOE prior to disbursement.  Acceptable. Buyer Comment (2021-01-28): Please remove this condition for a VVOE dated within 5 days prior to close.  The State of California is an escrow State and the VVOE was dated prior to consummation of the loan, therefore meets guides.

Reviewer Comment (2021-02-01): VOE prior to disbursement.  Acceptable.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271633

19551530

01/14/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302271633

19551531

01/14/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-09): PCCD and LOE provided to revise disbursement date. Buyer Comment (2021-02-05): PCCD

Reviewer Comment (2021-02-09): PCCD and LOE provided to revise disbursement date.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302113959

19390197

xxxx  10:43:19 AM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-03-03): Inspection dated 1/8/21 indicates no damage. Buyer Comment (2021-03-02): FEMA Property Inspection attached

Reviewer Comment (2021-03-03): Inspection dated 1/8/21 indicates no damage.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302113959

19390522

xxxx  11:09:52 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,607.00 exceeds tolerance of $1,086.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-03-01): Cure docs and documentation of curtailment provided. Buyer Comment (2021-02-26): Per lender:Hi there, upon further review we do understand the issue with appraisal change and cic timing. we have refunded the borrower the difference in discount points to clear this. thank you. pay history and pccd attached. cure was applied as principal reduction Buyer Comment (2021-02-25): Uploaded LOE, PCCD and pay history. Lender applied cure as principal reduction. Reviewer Comment (2021-02-03): The 10/15 COC is not valid as the appraisal completion date is 10/08 and the pricing was not updated until 10/15 LE. If the appraisal was received at a later date please provide supporting documentation. xxxx received prior PCCD and LOE indicating cure was for CDA fee however the CDA fee was removed from the PCCD dated within 60 days of consummation therefore the tolerance exception is cleared. The outstanding tolerance exception is regarding the Loan Discount Point. The total cure amount is $1521. Please provide VCC if available or please provide a corrected CD, LOE, refund check, and proof of mailing to cure. If curing with PR please provide PCCD indicating PR is to offset exceeding charges for total amount, pay history, and LOE. Buyer Comment (2021-01-31): PCCD/LOE/FSS Buyer Comment (2021-01-13): Uploaded PH supporting documentation for cure. Buyer Comment (2021-01-12): COC

Reviewer Comment (2021-03-01): Cure docs and documentation of curtailment provided. Reviewer Comment (2021-02-03): The 10/15 COC is not valid as the appraisal completion date is 10/08 and the pricing was not updated until 10/15 LE. If the appraisal was received at a later date please provide supporting documentation. xxxx received prior PCCD and LOE indicating cure was for CDA fee however the CDA fee was removed from the PCCD dated within 60 days of consummation therefore the tolerance exception is cleared. The outstanding tolerance exception is regarding the Loan Discount Point. The total cure amount is $1521. Please provide VCC if available or please provide a corrected CD, LOE, refund check, and proof of mailing to cure. If curing with PR please provide PCCD indicating PR is to offset exceeding charges for total amount, pay history, and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302113959

19390538

xxxx  11:10:35 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $103.22 exceeds tolerance of $50.00.  Insufficient or no cure was provided to the borrower. (7520)

Reviewer Comment (2021-01-19): A cure was provided on the final CD. Buyer Comment (2021-01-12): Per lender this was cured at closing. Please amend

Reviewer Comment (2021-01-19): A cure was provided on the final CD.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302113959

19390554

xxxx  11:11:10 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-01-19): xxxx received PCCD within 60 days of consummation correcting fees. Buyer Comment (2021-01-13): Uploaded PH supporting documentation for cure. Buyer Comment (2021-01-12): PCCD/LOE

Reviewer Comment (2021-01-19): xxxx received PCCD within 60 days of consummation correcting fees.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302113959

19579411

01/19/2021

Compliance

Federal Compliance

TRID Post Close CD Principal Reduction not used for Tolerance Violation w/o statement Alt. CD

Principal reduction not applied to tolerance cure due to missing statement that reduction is provided to offset excess charges. (Post-Cloxxxx020)

Reviewer Comment (2021-03-03): Documentation of $1521 principal curtailment provided. Buyer Comment (2021-02-26): per lender:Hi there, upon further review we do understand the issue with appraisal change and cic timing. we have refunded the borrower the difference in discount points to clear this. thank you. pay history and pccd attached. cure was applied as principal reduction Reviewer Comment (2021-02-03): xxxx received prior PCCD and LOE indicating cure was for CDA fee however the CDA fee was removed from the PCCD dated within 60 days of consummation therefore the tolerance exception is cleared. The outstanding tolerance exception is regarding the Loan Discount Point. The total cure amount is $1521. Buyer Comment (2021-01-31): PCCD/LOE/FSS uploaded

Reviewer Comment (2021-03-03): Documentation of $1521 principal curtailment provided. Reviewer Comment (2021-02-03): xxxx received prior PCCD and LOE indicating cure was for CDA fee however the CDA fee was removed from the PCCD dated within 60 days of consummation therefore the tolerance exception is cleared. The outstanding tolerance exception is regarding the Loan Discount Point. The total cure amount is $1521.

Cleared

03/03/2021

N

2

1

A

A

A

A

A

302270473

19373462

xxxx  2:43:18 PM

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-21): Gap letter provided. Buyer Comment (2021-02-19): Please downgrade to EV2 and waive if possible with comp factors (LOX provided is dated post-closing). Comp factors include 26 months reserves, 29% DTI, $20,181. residual income. Buyer Comment (2021-02-19): LOX uploaded Reviewer Comment (2021-01-19): VOE's provided for borrower show a 2 month gapxxxxoxxxx Gap letter required. Buyer Comment (2021-01-13): VVOE within 5 business days attached

Reviewer Comment (2021-02-21): Gap letter provided. Reviewer Comment (2021-01-19): VOE's provided for borrower show a 2 month gapxxxxoxxxx Gap letter required.

Cleared

02/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270473

19373463

xxxx  2:43:18 PM

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-24): VVOE provided. Buyer Comment (2021-02-23): VVOE for b2 Reviewer Comment (2021-02-01): Borrower employment is verified as of 11/20.  WVOE for co-borrowers current employment is dated 11/4 and there is no VVOE for that employer (Adyen). Buyer Comment (2021-01-28): VOEs are verified as of 11/20 note date is 11/23.  Please clear the condition. Reviewer Comment (2021-01-19): Prior VOE provided.  WVOE for current employment was provided but not performed within 10 days of Note as required. Buyer Comment (2021-01-13): VVOE Co-borrower Buyer Comment (2021-01-13): Previous employment dates for Borrower

Reviewer Comment (2021-02-24): VVOE provided. Reviewer Comment (2021-02-01): Borrower employment is verified as of 11/20.  WVOE for co-borrowers current employment is dated 11/4 and there is no VVOE for that employer (Adyen). Reviewer Comment (2021-01-19): Prior VOE provided.  WVOE for current employment was provided but not performed within 10 days of Note as required.

Cleared

02/24/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302270473

19373464

xxxx  2:43:18 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-21): Gap letter provided. Reviewer Comment (2021-01-19): VOE's provided for borrower show a 2 month gapxxxxoxxxx Gap letter required. Buyer Comment (2021-01-13): VVOE for Co-borrower - xxxx Buyer Comment (2021-01-13): VVOE Borrower

Reviewer Comment (2021-02-21): Gap letter provided. Reviewer Comment (2021-01-19): VOE's provided for borrower show a 2 month gapxxxxoxxxx Gap letter required.

Cleared

02/21/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302270473

19373465

xxxx  2:43:18 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 11,174.57 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-27): xxxx received PCCD and LOE; exception is cured. Buyer Comment (2021-01-24): PCCD/LOE Reviewer Comment (2021-01-13): xxxx received lender rebuttal stating taxes calculated at 1.25%.  Calculation used is based on 1.25% but costs on Final CD/Corrected CD do not match to that calculation. Property costs reflected on Final & Corrected CD of $11,174.57 on page 4 is 11 mo of page 1 month of $1015.87.  Loan file indicates Costs of $21,483.55 for 11 mo.  These itemized costs of $1890.63 (1.25% of price) tax / $62.42 totaling $1953.05.  Please provide PCCD and LOE to cure or verification of updated amounts. Buyer Comment (2021-01-07): Per lender: The tax amount collected was only a proration between the borrower and seller. The file does not have escrows but the correct amount is on the escrow section. File was qualified using 1.25% as indicated.

Reviewer Comment (2021-01-27): xxxx received PCCD and LOE; exception is cured. Reviewer Comment (2021-01-13): xxxx received lender rebuttal stating taxes calculated at 1.25%.  Calculation used is based on 1.25% but costs on Final CD/Corrected CD do not match to that calculation. Property costs reflected on Final & Corrected CD of $11,174.57 on page 4 is 11 mo of page 1 month of $1015.87.  Loan file indicates Costs of $21,483.55 for 11 mo.  These itemized costs of $1890.63 (1.25% of price) tax / $62.42 totaling $1953.05.  Please provide PCCD and LOE to cure or verification of updated amounts.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302270473

19377818

xxxx  7:13:20 PM

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-01-19): Express program confirmed and AUS did not require rental verification. Buyer Comment (2021-01-13): Jumbo Express loan, DU provided does not require Verification of Rent (VOR) / Verification of Mortgage (VOM); Please waive finding.

Reviewer Comment (2021-01-19): Express program confirmed and AUS did not require rental verification.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270473

19379104

xxxx  9:27:04 PM

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-19): VOE provided.

Reviewer Comment (2021-01-19): VOE provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270473

19379105

xxxx  9:27:04 PM

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-19): VOE provided.

Reviewer Comment (2021-01-19): VOE provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302138579

19818224

02/08/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Statement

Reviewer Comment (2021-03-16): Mortgage payment verified via a Fraud Report. Seller Comment (2021-03-15): Mortgage statement uploaded Reviewer Comment (2021-03-09): 3/9/2021:   Unable to clear.   No new documentation has been received.   Insurance has been cleared already.    Last page sent was blank.   Please provide the Mortgage Statement for xxxx.    Exception remains open. Seller Comment (2021-03-08): UPloaded the statement for xxxx. Please clear Reviewer Comment (2021-03-04): Statement provided is for the borrowers primary residence Seller Comment (2021-03-03): Mortgage statement attached Reviewer Comment (2021-02-23): xxxx: Received homeowners insurance information. Still need mortgage statement to verify that taxes and insurance are included in payment. Seller Comment (2021-02-19): Hazard Ins Uploaded

Reviewer Comment (2021-03-16): Mortgage payment verified via a Fraud Report. Reviewer Comment (2021-03-09): 3/9/2021:   Unable to clear.   No new documentation has been received.   Insurance has been cleared already.    Last page sent was blank.   Please provide the Mortgage Statement for xxxx.    Exception remains open. Reviewer Comment (2021-03-04): Statement provided is for the borrowers primary residence Reviewer Comment (2021-02-23): xxxx: Received homeowners insurance information. Still need mortgage statement to verify that taxes and insurance are included in payment.

Cleared

03/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277083

No Finding

Loan Completed Without Finding

Review Complete

xxxx  12:00:38 PM

1

1

302243597

18977708

xxxx  10:22:14 AM

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-5,208.16  is less than amount of binding Lender Credit previously disclosed in the amount of $-5,450.00. (9300)

Reviewer Comment (2020-10-30): xxxx received changed circumstance. Buyer Comment (2020-10-29): Please see attached VCOC loan amount reduced resulting in lender credit reduction.

Reviewer Comment (2020-10-30): xxxx received changed circumstance.

Cleared

xxxx  10:25:22 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302243597

18977709

xxxx  11:46:41 AM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2020-10-29): Approval conditions were provided Buyer Comment (2020-10-29): See attached Buyer Comment (2020-10-29): See closing doc request form

Reviewer Comment (2020-10-29): Approval conditions were provided

Cleared

xxxx  3:27:57 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302130584

No Finding

Loan Completed Without Finding

Review Complete

01/04/2021

1

1

302247662

19809858

02/08/2021

Credit

Credit Documentation

Aged document: Credit Report  is more than 90 days prior to the note date.

Credit Report: Original // Borrower: xxxxx

Reviewer Comment (2021-02-12): Aged exactly 90 days.  Acceptable. Seller Comment (2021-02-11): Credit was good at disbursement

Reviewer Comment (2021-02-12): Aged exactly 90 days.  Acceptable.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302147198

19386328

xxxx  5:01:15 PM

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-02-01): REO verifications provided. Buyer Comment (2021-01-28): HOI, Mtg statement & taxes uploaded

Reviewer Comment (2021-02-01): REO verifications provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302147198

19386346

xxxx  5:04:41 PM

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-02-10): Final policy with amended coverage amount provided.

Reviewer Comment (2021-02-10): Final policy with amended coverage amount provided.

Cleared

02/10/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302147198

19386349

xxxx  5:05:42 PM

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-10): Final policy with amended coverage amount provided. Buyer Comment (2021-02-08): Uploaded Final Title w/ Sched A Reviewer Comment (2021-02-01): Part of final title policy provided but does not include Sch A.

Reviewer Comment (2021-02-10): Final policy with amended coverage amount provided. Reviewer Comment (2021-02-01): Part of final title policy provided but does not include Sch A.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302147198

19386376

xxxx  5:09:53 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 38.01030% exceeds Guideline total debt ratio of 38.00000%.

Reviewer Comment (2021-02-01): DTI within guidelines.

Reviewer Comment (2021-02-01): DTI within guidelines.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302147198

19386435

xxxx  5:17:58 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,100.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower. (7506)

Reviewer Comment (2020-12-30): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2020-12-30): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302147198

19386436

xxxx  5:17:58 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (75106)

Reviewer Comment (2020-12-30): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2020-12-30): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302147198

19386437

xxxx  5:17:58 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $65.00 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower. (7520)

Reviewer Comment (2020-12-30): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2020-12-30): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302147198

19386514

xxxx  5:28:31 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-02-22): Cure docs provided. Buyer Comment (2021-02-18): PCCD Reviewer Comment (2021-02-01): Please also upload a copy of the corrected CD. Buyer Comment (2021-01-28): Uploaded LOX, refund check and proof of mailing

Reviewer Comment (2021-02-22): Cure docs provided. Reviewer Comment (2021-02-01): Please also upload a copy of the corrected CD.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302147198

19386515

xxxx  5:28:31 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (7505)

Reviewer Comment (2020-12-30): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2020-12-30): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302271632

19419235

01/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-01-20): xxxx received PCCD and LOE. Please provide refund check and proof of mailing to cure separate exception Buyer Comment (2021-01-14): Uploaded LOE, revised CD and proof of delivery.

Reviewer Comment (2021-01-20): xxxx received PCCD and LOE. Please provide refund check and proof of mailing to cure separate exception

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271632

19420845

01/05/2021

Credit

General

Incomplete Document: 1003 Final is incomplete

Reviewer Comment (2021-01-26): All pages provided. Buyer Comment (2021-01-25): 1003 uploaded

Reviewer Comment (2021-01-26): All pages provided.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271632

19597472

01/20/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $143.00 exceeds tolerance of $101.00 plus 10% or $111.10.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (0)

Reviewer Comment (2021-02-11): As remaining cure is under $35 proof of mailing is not required. Buyer Comment (2021-02-08): Closing CD signed xxxx - Please note this CD was printed after the other CD signed on xxxx. Cure provided at closing. Reviewer Comment (2021-01-25): xxxx received refund check for $150 and proof of mailing however the a check for the 10% tolerance of $31.90 is outstanding. Buyer Comment (2021-01-21): Please see uploaded refund check and proof of mailing to cure.

Reviewer Comment (2021-02-11): As remaining cure is under $35 proof of mailing is not required. Reviewer Comment (2021-01-25): xxxx received refund check for $150 and proof of mailing however the a check for the 10% tolerance of $31.90 is outstanding.

Cured

N

3

2

B

B

B

B

B

302271632

19597473

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7505)

Reviewer Comment (2021-01-25): xxxx received refund check and proof of mailing. Buyer Comment (2021-01-21): Uploaded refund check and proof of mailing.

Reviewer Comment (2021-01-25): xxxx received refund check and proof of mailing.

Cured

N

3

2

B

B

B

B

B

302305680

19632309

01/22/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 7,824.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-03): xxxx received a PCCD correcting non escrowed property costs and LOE. Buyer Comment (2021-01-30): Uploaded LOE and revised CD

Reviewer Comment (2021-02-03): xxxx received a PCCD correcting non escrowed property costs and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302305680

19644824

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302229072

19512747

01/11/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose Estimated Property Costs over Year 1. (Final/xxxx)

Reviewer Comment (2021-01-27): xxxx received PCCD and LOE; exception is cured. Buyer Comment (2021-01-24): PCCD

Reviewer Comment (2021-01-27): xxxx received PCCD and LOE; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302229072

19512748

01/11/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (Final/xxxx)

Reviewer Comment (2021-01-27): xxxx received PCCD and LOE; exception is cured. Buyer Comment (2021-01-24): PCCD/LOE uploaded

Reviewer Comment (2021-01-27): xxxx received PCCD and LOE; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302229072

19513345

01/11/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-01-27): xxxx received PCCD and LOE; exception is cured. Buyer Comment (2021-01-24): PCCD/LOE  uploaded

Reviewer Comment (2021-01-27): xxxx received PCCD and LOE; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302229072

19548789

01/13/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-01): Fraud report provided. Buyer Comment (2021-01-28): Fraud Report attached

Reviewer Comment (2021-02-01): Fraud report provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302229072

19548858

01/13/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $69.80 exceeds tolerance of $35.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-01-13): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-13): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302265847

19544442

01/13/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-01-27): Sufficient cure received. Buyer Comment (2021-01-24): Cure docs uploaded

Reviewer Comment (2021-01-27): Sufficient cure received.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265847

19544576

01/13/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,530.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-01-27): Sufficient cure received. Buyer Comment (2021-01-24): PCCD

Reviewer Comment (2021-01-27): Sufficient cure received.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265847

19681160

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,530.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7200)

Reviewer Comment (2021-02-01): xxxx received FSS indicating cure was provided at close. Buyer Comment (2021-01-27): FSS provided indicates loan funded with cure. Please clear.

Reviewer Comment (2021-02-01): xxxx received FSS indicating cure was provided at close.

Cured

N

3

2

B

B

B

B

B

302265847

19681161

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7505)

Reviewer Comment (2021-02-01): xxxx received FSS indicating cure was provided at close. Buyer Comment (2021-01-27): FSS provided indicates loan funded with cure. Please clear.

Reviewer Comment (2021-02-01): xxxx received FSS indicating cure was provided at close.

Cured

N

3

2

B

B

B

B

B

302277081

19563469

01/15/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-03): Gap letter provided. Buyer Comment (2021-01-29): VOE docs uploaded

Reviewer Comment (2021-02-03): Gap letter provided.

Cleared

02/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302277081

19584707

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302265711

19594118

01/20/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-04): CIS fraud report provided. Buyer Comment (2021-02-02): Fraud report attached

Reviewer Comment (2021-02-04): CIS fraud report provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265711

19596158

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-02-04): PCCD, LOE and refund documented for cure. Buyer Comment (2021-02-04): Uploaded proof of mailing and copy of refund check Buyer Comment (2021-02-01): Uploaded LOE and PCCD Reviewer Comment (2021-01-27): xxxx received Changed Circumstance dated xxxx,  but it does not give sufficient information on why the appraisal desk review fee was added.  In order to determine if the changed circumstance is valid, more information is necessary on reason fee added and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2021-01-26): COC

Reviewer Comment (2021-02-04): PCCD, LOE and refund documented for cure. Reviewer Comment (2021-01-27): xxxx received Changed Circumstance dated xxxx,  but it does not give sufficient information on why the appraisal desk review fee was added.  In order to determine if the changed circumstance is valid, more information is necessary on reason fee added and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302278917

19553244

01/14/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-01-19): Express program confirmed and AUS did not require VOR. Buyer Comment (2021-01-15): Please waive the VOR requirement. The loan was underwritten to Jumbo Express guides and DU did not require a VOR for xxxx and xxxx.

Reviewer Comment (2021-01-19): Express program confirmed and AUS did not require VOR.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278917

19556938

01/14/2021

Compliance

Federal Compliance

Rental Income Documentation - 25% Method

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement not provided or % of gross rents used is greater than 75%. (xxxx/25% Vacancy Method)

Reviewer Comment (2021-02-02): Lease agreement provided. Buyer Comment (2021-01-29): Lease Agreement xxxx

Reviewer Comment (2021-02-02): Lease agreement provided.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278917

19556939

01/14/2021

Compliance

Federal Compliance

Self Employed Financial Strength

Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (xxxx/Schedule C)

Reviewer Comment (2021-03-02): Per lender attestation and revised DU dated xxxx with an approved DTI of 41.88%, the loan was qualified without positive self-employed income for this borrower. Final DTI is 41.76% which is below the guideline and Appendix max of 43.00%. Reviewer Comment (2021-02-19): No YTD balance sheet and P&L provided Buyer Comment (2021-02-18): See uploads and clear the conditions.

Reviewer Comment (2021-03-02): Per lender attestation and revised DU dated xxxx with an approved DTI of 41.88%, the loan was qualified without positive self-employed income for this borrower. Final DTI is 41.76% which is below the guideline and Appendix max of 43.00%. Reviewer Comment (2021-02-19): No YTD balance sheet and P&L provided

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278917

19556940

01/14/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-03-02): Per lender attestation and revised DU dated xxxx with an approved DTI of 41.88%, the loan was qualified without positive self-employed income for this borrower. Final DTI is 41.76% which is below the guideline and Appendix max of 43.00%.

Reviewer Comment (2021-03-02): Per lender attestation and revised DU dated xxxx with an approved DTI of 41.88%, the loan was qualified without positive self-employed income for this borrower. Final DTI is 41.76% which is below the guideline and Appendix max of 43.00%.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278917

19556942

01/14/2021

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Schedule C Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxx/Schedule C)

Reviewer Comment (2021-02-02): Business license provided. Buyer Comment (2021-02-01): Please find attached a copy of the business license

Reviewer Comment (2021-02-02): Business license provided.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278917

19556944

01/14/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-03-02): Per lender attestation and revised DU dated xxxx with an approved DTI of 41.88%, the loan was qualified without income for this borrower. Final DTI is 41.76% which is below the guideline and Appendix max of 43.00%. Buyer Comment (2021-03-01): No income is being for xxxx to qualify, please remove this condition

Reviewer Comment (2021-03-02): Per lender attestation and revised DU dated xxxx with an approved DTI of 41.88%, the loan was qualified without income for this borrower. Final DTI is 41.76% which is below the guideline and Appendix max of 43.00%.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278917

19556945

01/14/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-02): Business license provided.

Reviewer Comment (2021-02-02): Business license provided.

Cleared

02/02/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302278917

19556948

01/14/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - REO 25% Method

Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxx/25% Vacancy Method)

Reviewer Comment (2021-02-02): Lease agreement provided.

Reviewer Comment (2021-02-02): Lease agreement provided.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278917

19556950

01/14/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-03-02): Per lender attestation and revised DU dated xxxx with an approved DTI of 41.88%, the loan was qualified without positive self-employed income for this borrower and income for the co-borrower. Final DTI is 41.76% which is below the guideline and Appendix max of 43.00%.

Reviewer Comment (2021-03-02): Per lender attestation and revised DU dated xxxx with an approved DTI of 41.88%, the loan was qualified without positive self-employed income for this borrower and income for the co-borrower. Final DTI is 41.76% which is below the guideline and Appendix max of 43.00%.

Cleared

03/02/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302278917

19556952

01/14/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-03-02): Per lender attestation and revised DU dated xxxx with an approved DTI of 41.88%, the loan was qualified without positive self-employed income for this borrower and income for the co-borrower. Final DTI is 41.76% which is below the guideline and Appendix max of 43.00%.

Reviewer Comment (2021-03-02): Per lender attestation and revised DU dated xxxx with an approved DTI of 41.88%, the loan was qualified without positive self-employed income for this borrower and income for the co-borrower. Final DTI is 41.76% which is below the guideline and Appendix max of 43.00%.

Cleared

03/02/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302278917

19556956

01/14/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $875.00 exceeds tolerance of $750.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-01-28): xxxx received LOE to borrower, copy of $125 refund check, corrected CD and proof of delivery. The 0% violation for appraisal fee has been cured. Buyer Comment (2021-01-25): Letter of Explanation and updated Closing Disclosure and shipping label as proof of delivery and copy of refund check

Reviewer Comment (2021-01-28): xxxx received LOE to borrower, copy of $125 refund check, corrected CD and proof of delivery. The 0% violation for appraisal fee has been cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302278917

19557229

01/14/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-25): Acceptable CU score verified. Buyer Comment (2021-02-24): The FNMA CU score is 2. If you look at the DU you will see that the CU score is 2. With the program Jumbo Express, The review is not needed and the 2055 that you reviewed does not matter. This condition should be cleared. The guidelines read as follows: Note: Loans submitted with a collateral underwriter score of 2.5 or lower are exempt from the above requirement. Reviewer Comment (2021-02-23): 2055 uploaded for a property other than the subject. Buyer Comment (2021-02-23): Uploaded CU score of 2, see 2nd to last page of uploaded doc. Reviewer Comment (2021-01-22): UCDP Submission documents in file do not reflect a CU score.  Please document. Buyer Comment (2021-01-21): Program is jumbo express. The FNMA CU score is 2, in which the appraisal review would not be required.

Reviewer Comment (2021-02-25): Acceptable CU score verified. Reviewer Comment (2021-02-23): 2055 uploaded for a property other than the subject. Reviewer Comment (2021-01-22): UCDP Submission documents in file do not reflect a CU score.  Please document.

Cleared

02/25/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302278917

19557246

01/14/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx Transcripts (2018), Transcripts (2019) VVOE - Employment Only

Reviewer Comment (2021-03-02): Per lender attestation and revised DU dated xxxx with an approved DTI of 41.88%, the loan was qualified without positive self-employed income for this borrower and income for the co-borrower. Final DTI is 41.76% which is below the guideline and Appendix max of 43.00%. Buyer Comment (2021-03-01): No income was used to qualify for xxxx, VOE not required. Reviewer Comment (2021-02-23): Tax transcripts provided.  Still missing VOE's for prior employment of xxxx. Buyer Comment (2021-02-22): Tax transcripts were uploaded on 2/18 Please clear

Reviewer Comment (2021-03-02): Per lender attestation and revised DU dated xxxx with an approved DTI of 41.88%, the loan was qualified without positive self-employed income for this borrower and income for the co-borrower. Final DTI is 41.76% which is below the guideline and Appendix max of 43.00%. Reviewer Comment (2021-02-23): Tax transcripts provided.  Still missing VOE's for prior employment of xxxx.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278917

19557394

01/14/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-02): VOE provided for current employment. Buyer Comment (2021-02-01): please find attached verification of xxxx current employment

Reviewer Comment (2021-02-02): VOE provided for current employment.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243723

19957132

02/19/2021

Compliance

Federal Compliance

Notice of Right To Cancel Not Provided to All Required Parties

Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

Reviewer Comment (2021-03-04): Received the Right to Cancel form signed by both borrowers. Seller Comment (2021-03-03): RTC

Reviewer Comment (2021-03-04): Received the Right to Cancel form signed by both borrowers.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243723

19959836

02/19/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-03-15): Mortgage Statement was provided the escrow payment is included. Seller Comment (2021-03-12): see attached - payment coupon and CD reflecting T&I Reviewer Comment (2021-03-09): 3/9/2021:  Unable to clear.  Payment coupon does not reflect if the amount due includes escrows.    Will need proof of tax verification and insurance verification.  Exception remains open. Seller Comment (2021-03-08): REO docs uploaded

Reviewer Comment (2021-03-15): Mortgage Statement was provided the escrow payment is included. Reviewer Comment (2021-03-09): 3/9/2021:  Unable to clear.  Payment coupon does not reflect if the amount due includes escrows.    Will need proof of tax verification and insurance verification.  Exception remains open.

Cleared

03/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302486045

20056727

02/04/2021

Credit

Guideline Issue

Loan Amount exceed guidelines.

Loan Amount: $xxxx; Occupancy: Primary; LTV: 70.96774%

Reviewer Comment (2021-02-10): Approved lender exception provided.

Reviewer Comment (2021-02-10): Approved lender exception provided.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has worked in the same position for more than 3 years.

Waived

Y

3

2

B

B

B

B

B

B

B

B

B

B

302486045

20056729

02/04/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-11): updated disbursement date provided Buyer Comment (2021-02-10): DISBURSEMENT DATE IS 2-1-2021

Reviewer Comment (2021-02-11): updated disbursement date provided

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302486045

20056730

02/04/2021

Credit

Credit Calculation / Analysis

Guideline Requirement: Representative FICO score discrepancy.

Representative FICO score of 712 is less than Guideline representative FICO score of 720.

Reviewer Comment (2021-02-10): Approved lender exception provided.

Reviewer Comment (2021-02-10): Approved lender exception provided.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has worked in the same position for more than 3 years.

Waived

Y

3

2

B

B

B

B

B

B

B

B

B

B

302486045

20056731

02/04/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-15): cleared Buyer Comment (2021-02-12): see attached delivery, this paired with borrower signature on the confirmation, supports that the borrower received the revision in a timely manner. Reviewer Comment (2021-02-11): Appraisal in question is dated xxxx and was re provided. Please provide evidence of receipt of appraisal that ties to that date. Buyer Comment (2021-02-10): BORROWER HAS ALSO SIGNED APPRAISAL CONFIRMATION AT CLOSING TO VALIDATE RECEIPT OF ALL VALUATIONS Buyer Comment (2021-02-10): APPRAISALS ARE DATED EARLY NOVEMBER WHICH ALIGNS WITH THE DATE THEY WERE PROVIDED TO THE BORROWER

Reviewer Comment (2021-02-15): cleared Reviewer Comment (2021-02-11): Appraisal in question is dated xxxx and was re provided. Please provide evidence of receipt of appraisal that ties to that date.

Cleared

02/15/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302486045

20056732

02/10/2021

Credit

Property Eligibility - Subject and Improvements

Guideline Issue:  Property type not allowed per credit guidelines

Reviewer Comment (2021-02-10): Approved lender exception.

Reviewer Comment (2021-02-10): Approved lender exception.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has worked in the same position for more than 3 years.

Waived

Y

3

2

B

B

B

B

B

B

B

B

B

B

302486045

20056734

02/10/2021

Credit

Credit Documentation

Credit Report Error: Missing source document for credit/housing history.

Reviewer Comment (2021-02-11): Cleared Buyer Comment (2021-02-10): ADDED LOE TO THE FILE TO SHOW TRANSFER OF SERVICING OF THE LOAN FROM PHL TO THE SERVICER SPS. Buyer Comment (2021-02-10): Please clarify what is needed. Borrower REO on the 1003 reflects subject property, borrower indicates they live in the subject property, and i don't see any rental income. Is there a discrepancy that needs to be clarified, please provide more details so that I can respond appropriately to clear the finding.

Reviewer Comment (2021-02-11): Cleared

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338197

20056772

xxxx  4:30:09 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $5,568.76 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-01-08): xxxx received changed circumstance with additional clarification Buyer Comment (2021-01-06): screenshot  has the actual locked date of 11/14. The Last Lock Processed Detail box shows the last time (which was the first initial lock) the lock was processed and confirmed on xxxx. The terms were not set until the 14th, therefore the time to disclose goes by when the terms were set. Reviewer Comment (2021-01-06): xxxx received screen snippit indicating rate lock was processed 11/14 however rate lock in file D0011 indicates rate lock of 11/10. Please provide LOE for discrepancy for review.

Reviewer Comment (2021-01-08): xxxx received changed circumstance with additional clarification Reviewer Comment (2021-01-06): xxxx received screen snippit indicating rate lock was processed 11/14 however rate lock in file D0011 indicates rate lock of 11/10. Please provide LOE for discrepancy for review.

Cleared

01/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338197

20056773

xxxx  4:30:09 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $22,822.80 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (73109)

Reviewer Comment (2021-01-08): xxxx received changed circumstance with additional clarification Buyer Comment (2021-01-06): screenshot  has the actual locked date of 11/14. The Last Lock Processed Detail box shows the last time (which was the first initial lock) the lock was processed and confirmed on xxxx. The terms were not set until the 14th, therefore the time to disclose goes by when the terms were set. Reviewer Comment (2021-01-06): xxxx received screen snippit indicating rate lock was processed 11/14 however rate lock in file D0011 indicates rate lock of 11/10. Please provide LOE for discrepancy for review.

Reviewer Comment (2021-01-08): xxxx received changed circumstance with additional clarification Reviewer Comment (2021-01-06): xxxx received screen snippit indicating rate lock was processed 11/14 however rate lock in file D0011 indicates rate lock of 11/10. Please provide LOE for discrepancy for review.

Cleared

01/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338197

20056775

xxxx  4:37:31 PM

Compliance

Federal Compliance

Self Employed - Minor Negative Income Documentation

Qualified Mortgage (Dodd-Frank 2014): Self Employed borrower with a minor loss included in the income qualification did not provide the year to date P&L and/or Balance Sheet.

Buyer Comment (2020-12-16): Sprout has elected to waive this EV2 Compliance exception.

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302338197

20056776

xxxx  4:37:31 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-10): SHQM Loan Reviewer Comment (2021-01-27): Sent to our compliance department. Reviewer Comment (2021-01-12): Received efile, need documentation of start dates/history of businesses. Buyer Comment (2021-01-11): IRS e-file uploaded,. Reviewer Comment (2021-01-07): Document provided was for 2018 Buyer Comment (2021-01-06): Signed 1120S for xxxx uploaded for your review. Reviewer Comment (2021-01-05): This exception is due to not all businesses having a 2 year history plus xxxx 1120S was not signed by the borrower. Buyer Comment (2021-01-04): P & L's for the following have been uploaded for your review: xxxx, xxxx, xxxx, xxxx, xxxx and xxxx.

Reviewer Comment (2021-02-10): SHQM Loan Reviewer Comment (2021-01-27): Sent to our compliance department. Reviewer Comment (2021-01-12): Received efile, need documentation of start dates/history of businesses. Reviewer Comment (2021-01-07): Document provided was for 2018 Reviewer Comment (2021-01-05): This exception is due to not all businesses having a 2 year history plus xxxx 1120S was not signed by the borrower.

Cleared

02/10/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302338197

20056777

xxxx  4:37:31 PM

Compliance

Federal Compliance

QM Points and Fees

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or .98960%).

Reviewer Comment (2021-02-10): Refund provided to the borrower Buyer Comment (2021-02-09): Please see refund for $1.69/LOX and stamped envelope sent to borrower uploaded for your review. Reviewer Comment (2021-02-09): Sent to CHD, please note that regs state that the payment may be made by any means mutually agreeable to the consumer, we do not have evidence this was agreed upon by the borrower. Buyer Comment (2021-02-09): Please review for clearance. There was a refund given to the borrower for $265.92 and we also did the principal curtailment for the interest  of $1.69. The Attestation Letter was written to include all the items listed in your response on 1/13... Reviewer Comment (2021-02-08): Cure lacks evidence the consumer agreed to that method.  If a check is sent to the consumer, then no agreement is required, but if a check is sent to be applied as a Principal curtailment, that method would require the consumers agreement. Buyer Comment (2021-02-04): Lender Attestation and principal reduction uploaded for your review. Reviewer Comment (2021-01-13): The following 2 items are missing: )      Lender/Seller Attestation indicating:         a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;         b)      The loan is not 60 days delinquent; and         c)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer 2) The refund check sent to the borrower was for the amount of the overage only and did not include interest.  To fully effectuate the cure, interest must also be provided on the overage of $265.92 which would be calculated at the contract rate of 3.875% from the date of consummation (xxxxthrough the date of check mailing.  Interest must be paid through the time the cure package is picked up by the carrier and is out of the lender’s hands.  Therefore, the interest owed will depend on when Fedex actually picks up package that includes the interest check: • If picked by 1/13, interest owed would be $1.19 • If picked by 1/14, interest owed would be $1.21 • If picked by 1/15, interest owed would be $1.24 • If picked up on 1/31 (last day of month), interest owed would be $1.69 • Lender may alternatively issue a principal reduction although we would still require proof the reduction was applied through a screen print of a pay history screen or similar documentation reflecting the reduction being applied to the borrower’s account. Buyer Comment (2021-01-12): PCCD/LOX/Refund/Tracking uploaded for your review.

Reviewer Comment (2021-02-10): Refund provided to the borrower Reviewer Comment (2021-02-09): Sent to CHD, please note that regs state that the payment may be made by any means mutually agreeable to the consumer, we do not have evidence this was agreed upon by the borrower. Reviewer Comment (2021-02-08): Cure lacks evidence the consumer agreed to that method.  If a check is sent to the consumer, then no agreement is required, but if a check is sent to be applied as a Principal curtailment, that method would require the consumers agreement. Reviewer Comment (2021-01-13): The following 2 items are missing: )      Lender/Seller Attestation indicating:         a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit;         b)      The loan is not 60 days delinquent; and         c)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer 2) The refund check sent to the borrower was for the amount of the overage only and did not include interest.  To fully effectuate the cure, interest must also be provided on the overage of $265.92 which would be calculated at the contract rate of 3.875% from the date of consummation (xxxxthrough the date of check mailing.  Interest must be paid through the time the cure package is picked up by the carrier and is out of the lender’s hands.  Therefore, the interest owed will depend on when Fedex actually picks up package that includes the interest check: • If picked by 1/13, interest owed would be $1.19 • If picked by 1/14, interest owed would be $1.21 • If picked by 1/15, interest owed would be $1.24 • If picked up on 1/31 (last day of month), interest owed would be $1.69 • Lender may alternatively issue a principal reduction although we would still require proof the reduction was applied through a screen print of a pay history screen or similar documentation reflecting the reduction being applied to the borrower’s account.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302338197

20056778

xxxx  4:40:11 PM

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Buyer Comment (2020-12-16): Sprout has elected to waive this EV2 Compliance exception.

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302338197

20056781

xxxx  4:45:54 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 9.63 is less than Guideline PITIA months reserves of 27.00.

Reviewer Comment (2020-12-24): Sufficient assets verified. Buyer Comment (2020-12-24): These are all the assets showing on the 1003.  They are ALL under borrower because when we run AUS, it will not pick up these assets on the co-borrower.  1003 with all assets uploaded for your review. The corresponding bank statements are in your portal stating at D54.   TOTAL FUNDS $363,694.00 Assets for closing:  $217,273.71 (see attached 1003) Assets for reserves $120,692.49 -9  mo. PITI subject = $65,660.49 and 6 mo.  For 3 Financed properties $55,032.00. Total fund to qualify $337,966.20 Reviewer Comment (2020-12-22): Already have this account documented, do not have the VOD listed on the asset summary reflecting $24,000. Buyer Comment (2020-12-21): Bank statements from xxxx uploaded. Reviewer Comment (2020-12-21): VOD with xxxx in the amount of $24000 was not found in file. Buyer Comment (2020-12-18): - 9 months PITIA subject is $65,660.49;  (3) financed properties at 6 month each $55,032 Totaling $120,692. - Liquid funds required to close $217,273.71 * Total funds verified $ 363,694.48, VOD list up[loaded for your review.

Reviewer Comment (2020-12-24): Sufficient assets verified. Reviewer Comment (2020-12-22): Already have this account documented, do not have the VOD listed on the asset summary reflecting $24,000. Reviewer Comment (2020-12-21): VOD with xxxx in the amount of $24000 was not found in file.

Cleared

xxxx  2:04:44 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302338197

20056782

xxxx  4:49:13 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $93.50 exceeds tolerance of $50.00.  Insufficient or no cure was provided to the borrower. (7520)

Reviewer Comment (2021-01-13): xxxx received cure documents. Buyer Comment (2021-01-12): PCCD/LOX/Tracking uploaded for your review. Reviewer Comment (2020-12-18): xxxx reviewed exception. If this was indented to be a cure please provide a corrected CD indicating cure in section J and LOE. Buyer Comment (2020-12-16): Please see page 2 of the CD which shows $43.50 in lender credits.

Reviewer Comment (2021-01-13): xxxx received cure documents. Reviewer Comment (2020-12-18): xxxx reviewed exception. If this was indented to be a cure please provide a corrected CD indicating cure in section J and LOE.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338197

20056783

xxxx  3:02:00 PM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-15): The opening deposit matches a withdraw from another of the borrowers account the same time period. Reviewer Comment (2021-01-13): Need something in the file connecting this papertrail Buyer Comment (2021-01-12): The withdrawal from the co-borrower's account was one day prior to his deposit on the new account.in which he opened. Reviewer Comment (2021-01-12): Do not see a transfer or a check, only a withdraw, no LOE. Buyer Comment (2021-01-11): The two bank accounts from which the withdrawal and deposit are from are both for the co-borrower, Randall Riggins. Reviewer Comment (2021-01-05): It is unknown if this deposit was a gift or loan or what the source was without further papertrail or letter from the borrower. Buyer Comment (2021-01-04): This was the only bank account that showed the $100,000 withdrawal. Please see the other nine bank accounts. Reviewer Comment (2021-01-04): Do not have a copy of the check or transfer documentation or letter from the borrower stating this was the source. Buyer Comment (2021-01-04): September statement from 9/1 for JP Morgan account #1206 which was opened 8/26 shows the only deposit of $100,000.There is a bank statement from Chase #81681 showing withdrawal of $100,000 onxxxx. Reviewer Comment (2020-12-21): need papertrail, only have vod which has average balance and current balance but not initial deposit activity. Buyer Comment (2020-12-18): Source of $100K deposit uploaded for your review.

Reviewer Comment (2021-01-15): The opening deposit matches a withdraw from another of the borrowers account the same time period. Reviewer Comment (2021-01-13): Need something in the file connecting this papertrail Reviewer Comment (2021-01-12): Do not see a transfer or a check, only a withdraw, no LOE. Reviewer Comment (2021-01-05): It is unknown if this deposit was a gift or loan or what the source was without further papertrail or letter from the borrower. Reviewer Comment (2021-01-04): Do not have a copy of the check or transfer documentation or letter from the borrower stating this was the source. Reviewer Comment (2020-12-21): need papertrail, only have vod which has average balance and current balance but not initial deposit activity.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338197

20056784

xxxx  2:17:56 PM

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $258,379.74 is less than Cash From Borrower $262,459.22.

Reviewer Comment (2020-12-24): Sufficient assets verified. Buyer Comment (2020-12-24): These are all the assets showing on the 1003.  They are ALL under borrower because when we run AUS, it will not pick up these assets on the co-borrower.  1003 with all assets uploaded for your review. The corresponding bank statements are in your portal. TOTAL FUNDS $363,694.00 Assets for closing:  $217,273.71 (see attached 1003) Assets for reserves $120,692.49 -9  mo. PITI subject = $65,660.49 and 6 mo.  For 3 Financed properties $55,032.00. Total fund to qualify $337,966.20 Reviewer Comment (2020-12-22): Already have this account documented, do not have the VOD listed on the asset summary reflecting $24,000. Buyer Comment (2020-12-21): xxxx bank statements uploaded.

Reviewer Comment (2020-12-24): Sufficient assets verified. Reviewer Comment (2020-12-22): Already have this account documented, do not have the VOD listed on the asset summary reflecting $24,000.

Cleared

xxxx  2:04:13 PM

N

3

1

A

A

A

A

A

302338197

20056785

01/13/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $93.50 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7520)

Reviewer Comment (2021-01-13): xxxx received PCCD, LOE, copy of refund check and proof of mailing, exception is cured.

Reviewer Comment (2021-01-13): xxxx received PCCD, LOE, copy of refund check and proof of mailing, exception is cured.

Cured

N

3

2

B

B

B

B

B

302426770

20056786

01/17/2021

Property

Appraisal Documentation

Loan is to be securitized.  Appraisal is missing.

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-01-26): cleared Buyer Comment (2021-01-25): Appraisal uploaded.

Reviewer Comment (2021-01-26): cleared

Cleared

01/26/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302426770

20056788

01/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $995.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7507)

Reviewer Comment (2021-02-04): xxxx received additional information on changed circumstance. Buyer Comment (2021-02-02): COC uploaded Reviewer Comment (2021-02-01): Rate lock is not a valid Change of Circumstance to add an appraisal fee.  The Initial LE to establish the baseline for the Appraisal fees is dated xxxxthere is not a change of circumstance in the file to support the additional appraisal fee on the LE dated 11/4/20.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2021-01-29): Fee was disclosed on initial locked LE on xxxx not the initial LE on xxxx. No COC or cure is necessary fee was properly disclosed. Reviewer Comment (2021-01-29): There are two appraisal fees charged on the final CD at consummation (Appraisal fee in the amount of $995 and another Second Appraisal fee in the amount of $995).  The baseline amount for Second Appraisal fee is $0 as initial LE did not disclose a Second Appraisal fee (only one appraisal fee for $1200).   xxxx has no documentation of a Valid Change of Circumstance for the addition of a second appraisal reflected on the LE dated 11/4/2020 to permit a rebaseline. Please provide valid changed circumstance that would support addition of a second appraisal fee on a subsequent LE.   A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2021-01-27): No change of circumstance or cure is necessary. Fee was disclosed on initial locked LE and fee was then reduced from 1200.00 to 995.00.

Reviewer Comment (2021-02-04): xxxx received additional information on changed circumstance. Reviewer Comment (2021-02-01): Rate lock is not a valid Change of Circumstance to add an appraisal fee.  The Initial LE to establish the baseline for the Appraisal fees is dated xxxxthere is not a change of circumstance in the file to support the additional appraisal fee on the LE dated 11/4/20.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Reviewer Comment (2021-01-29): There are two appraisal fees charged on the final CD at consummation (Appraisal fee in the amount of $995 and another Second Appraisal fee in the amount of $995).  The baseline amount for Second Appraisal fee is $0 as initial LE did not disclose a Second Appraisal fee (only one appraisal fee for $1200).   xxxx has no documentation of a Valid Change of Circumstance for the addition of a second appraisal reflected on the LE dated 11/4/2020 to permit a rebaseline. Please provide valid changed circumstance that would support addition of a second appraisal fee on a subsequent LE.   A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302426770

20056789

01/19/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Other

Reviewer Comment (2021-01-26): cleared Buyer Comment (2021-01-25): Executed CD uploaded.

Reviewer Comment (2021-01-26): cleared

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302426769

20317165

01/15/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Other

Reviewer Comment (2021-01-27): Provided Buyer Comment (2021-01-25): Primary CD uploaded.

Reviewer Comment (2021-01-27): Provided

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302426769

20317169

01/15/2021

Credit

Income Documentation

REO Documents are missing.

Reviewer Comment (2021-01-27): Cleared Buyer Comment (2021-01-25): Uploaded appraisal of 3993 Roberta Pointe Rd for verification. Property is not a PUD with no HOA dues.

Reviewer Comment (2021-01-27): Cleared

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302426769

20317171

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,050.00 exceeds tolerance of $905.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-01-29): xxxx has received sufficient documentation of cure: PCCD, LOX, copy of refund check and tracking. Buyer Comment (2021-01-27): PCCD, LOX, tracking and check uploaded.

Reviewer Comment (2021-01-29): xxxx has received sufficient documentation of cure: PCCD, LOX, copy of refund check and tracking.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302426769

20317173

01/21/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-27): Provided Buyer Comment (2021-01-25): Compliance report uploaded.

Reviewer Comment (2021-01-27): Provided

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302214431

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302244496

19805509

02/08/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-22): Appraisal acknowledgement signed at closing Seller Comment (2021-02-19): See uploaded appraisal delivery

Reviewer Comment (2021-02-22): Appraisal acknowledgement signed at closing

Cleared

02/22/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302244496

19805510

02/08/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Secondary/xxxx)

Reviewer Comment (2021-02-22): Appraisal acknowledgement signed at closing Seller Comment (2021-02-19): Uploaded appraisal delivery

Reviewer Comment (2021-02-22): Appraisal acknowledgement signed at closing

Cleared

02/22/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302244496

19892187

02/12/2021

Credit

Asset Calculation / Analysis

Guideline Requirement: Available for Reserves discrepancy.

Calculated Available for Reserves of $53,994.07 is less than Guideline Available for Reserves of $70,023.70.

Reviewer Comment (2021-03-03): Retirement assets documented for reserves. Seller Comment (2021-03-02): Funds for Reserves - AT&T Retirement account attached

Reviewer Comment (2021-03-03): Retirement assets documented for reserves.

Cleared

03/03/2021

N

3

1

A

A

A

A

A

302314952

19616525

01/21/2021

Credit

Mortgage / Program Eligibility

Guideline Requirement: Loan to value discrepancy.

Calculated loan to value percentage of 80.00005% exceeds Guideline loan to value percentage of 80.00000%.

Reviewer Comment (2021-02-09): Meets decimal place requirements when rounded. Buyer Comment (2021-02-04): Could we please re-review this exception and clear?  ASF definition is 4 decimal places to the right 00.0000 or 6 total.  The LTV is 80.00004. Thanks!

Reviewer Comment (2021-02-09): Meets decimal place requirements when rounded.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314952

19617678

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $575.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302314952

19617679

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $4,490.55 exceeds tolerance of $4,489.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302314952

19664581

01/25/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $78,795.68 is less than Cash From Borrower $178,371.68.

Reviewer Comment (2021-02-09): Verified assets sufficient to meet cash to close and reserves. Buyer Comment (2021-02-08): Attached are bank statements for reserves/closing,  closing funds verification and LOX

Reviewer Comment (2021-02-09): Verified assets sufficient to meet cash to close and reserves.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314952

19664593

01/25/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-02-09): Verified assets sufficient to meet cash to close and reserves. Buyer Comment (2021-02-08): See attached asset statements for reserves.

Reviewer Comment (2021-02-09): Verified assets sufficient to meet cash to close and reserves.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302276556

19595602

01/20/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-10): Amended commitment provided. Buyer Comment (2021-02-08): Corrected Title Commitment

Reviewer Comment (2021-02-10): Amended commitment provided.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302276556

19600333

01/20/2021

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2021-02-10): Rate lock provided. Buyer Comment (2021-02-09): Uploaded rate lock and title commitment

Reviewer Comment (2021-02-10): Rate lock provided.

Cleared

02/10/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302276556

19600334

01/20/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-02-10): Corrected form provided and rescission reopened. Buyer Comment (2021-02-09): Uploaded revised ROR, LOE and proof of delivery

Reviewer Comment (2021-02-10): Corrected form provided and rescission reopened.

Cured

N

2

2

B

B

B

B

B

B

B

B

B

B

302286454

19958212

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $530.00 exceeds tolerance of $430.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302307742

No Finding

Loan Completed Without Finding

Review Complete

02/25/2021

1

1

302314332

19909319

02/16/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Stocks / Account Number: xxxx

Reviewer Comment (2021-03-01): Lender provided October bank statements. Seller Comment (2021-02-26): asset statement uploaded

Reviewer Comment (2021-03-01): Lender provided October bank statements.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314332

19909360

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302314332

19909361

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $675.00 exceeds tolerance of $625.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302314332

19909362

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302305543

19643203

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302329356

19942678

02/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-03-03): xxxx received copy of Final settlement statement reflecting cure to borrower at disbursement,  Letter of Explanation & Corrected Closing Disclosure Seller Comment (2021-02-24): Uploaded PCCD, LOE and final settlement statement

Reviewer Comment (2021-03-03): xxxx received copy of Final settlement statement reflecting cure to borrower at disbursement,  Letter of Explanation & Corrected Closing Disclosure

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302329356

20098409

03/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (7505)

Reviewer Comment (2021-03-03): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2021-03-03): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

302426765

20317108

01/12/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,573.29  is less than amount of binding Lender Credit previously disclosed in the amount of $-4,718.00. (9300)

Reviewer Comment (2021-01-25): xxxx received changed circumstance. Buyer Comment (2021-01-21): Please see attached VCOC

Reviewer Comment (2021-01-25): xxxx received changed circumstance.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302426765

20317109

01/12/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-26): comp factor used to waive exception

Reviewer Comment (2021-01-26): comp factor used to waive exception

The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has been employed in the same industry for more than 5 years.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302426765

20317110

01/12/2021

Credit

Guideline Issue

Aged document: Asset Account date is more than 90 days prior to Closing.

Financial Institution: xxxx // Account Type: Life Insurance Value / Account Number: xxxx

Reviewer Comment (2021-01-26): comp factor used to waive exception Buyer Comment (2021-01-25): Please see attached Exception. Reviewer Comment (2021-01-21): The funds from this account were only considered for the required reserves.  Section 21.1.3 of the SP E1 guidelines, require the asset documentation to be no greater than 90 days old at the time of closing, this includes documentation used to verify required reserves. Buyer Comment (2021-01-21): Its an annual statement. It is also not being used towards closing costs.

Reviewer Comment (2021-01-26): comp factor used to waive exception Reviewer Comment (2021-01-21): The funds from this account were only considered for the required reserves.  Section 21.1.3 of the SP E1 guidelines, require the asset documentation to be no greater than 90 days old at the time of closing, this includes documentation used to verify required reserves.

The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has been employed in the same industry for more than 5 years.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302426765

20317111

02/01/2021

Property

Value Discrepancy

Loan is missing secondary valuation product required for securitization.

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-11): CU score is acceptable

Reviewer Comment (2021-02-11): CU score is acceptable

Cleared

02/11/2021

N

3

1

A

A

A

A

A

302390089

20317141

01/21/2021

Credit

Document Error

There is no dollar amount noted on the title policy.

Reviewer Comment (2021-01-27): Received supplement Buyer Comment (2021-01-27): see attached title supplement with loan amount.

Reviewer Comment (2021-01-27): Received supplement

Cleared

01/27/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302390089

20317145

01/21/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-26): Lender granted exception approval in file.

Reviewer Comment (2021-01-26): Lender granted exception approval in file.

Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Waived

Y

3

2

B

B

B

B

B

B

B

B

B

B

302486035

20056748

02/05/2021

Compliance

Loan File

(Missing Doc) Incomplete loan images/file

Reviewer Comment (2021-02-12): cleared Buyer Comment (2021-02-11): Uncertain of exact issue but uploaded Warranty deed. Signed and notarized.

Reviewer Comment (2021-02-12): cleared

Cleared

02/12/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302486035

20056750

02/05/2021

Credit

General

Missing Document: Desk Review not provided

Reviewer Comment (2021-02-12): cleared Buyer Comment (2021-02-11): SSR uploaded score is under 2.5

Reviewer Comment (2021-02-12): cleared

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302486035

20056751

02/10/2021

Property

Value Discrepancy

Loan is missing secondary valuation product required for securitization.

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-12): cleared Buyer Comment (2021-02-11): SSR uploaded score under 2.5 secondary not required

Reviewer Comment (2021-02-12): cleared

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327208

19955944

02/19/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-10): Closing date is xxxx Third Party VVOE was provided on xxxx. Meets guideline requirements. Seller Comment (2021-03-09): VVOE xxxx Attached

Reviewer Comment (2021-03-10): Closing date is xxxx Third Party VVOE was provided on xxxx. Meets guideline requirements.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338020

20014331

02/24/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-03-23): Post close CD with a disbursement date ofxxxxrovided and associated. Seller Comment (2021-03-22): PCCD

Reviewer Comment (2021-03-23): Post close CD with a disbursement date ofxxxxrovided and associated.

Cleared

03/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327819

19568791

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-03-02): Sufficient cure was provided at closing. Buyer Comment (2021-02-23): Per lender cure was given at closing but not reflected on CD. Please see uploaded settlement statement . Reviewer Comment (2021-02-04): xxxx received corrected CD dated xxxxnd LOE to borrower.  Missing copy of refund check and proof of mailing. Copy of refund check and proof of mailing required to cure. Buyer Comment (2021-02-03): PCCD

Reviewer Comment (2021-03-02): Sufficient cure was provided at closing. Reviewer Comment (2021-02-04): xxxx received corrected CD dated xxxxnd LOE to borrower.  Missing copy of refund check and proof of mailing. Copy of refund check and proof of mailing required to cure.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327819

19568792

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $40.27 exceeds tolerance of $24.00.  Insufficient or no cure was provided to the borrower. (7520)

Reviewer Comment (2021-03-02): Sufficient cure was provided at closing. Buyer Comment (2021-02-23): Per lender cure was given at closing but not reflected on CD. Please see uploaded settlement statement . Reviewer Comment (2021-02-04): xxxx received corrected CD dated xxxxnd LOE to borrower.  Missing copy of refund check and proof of mailing. Copy of refund check and proof of mailing required to cure. Buyer Comment (2021-02-03): PCCD/LOE uploaded

Reviewer Comment (2021-03-02): Sufficient cure was provided at closing. Reviewer Comment (2021-02-04): xxxx received corrected CD dated xxxxnd LOE to borrower.  Missing copy of refund check and proof of mailing. Copy of refund check and proof of mailing required to cure.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327819

20088392

03/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7505)

Reviewer Comment (2021-03-03): Sufficient cure was provided at closing. Reviewer Comment (2021-03-02): Sufficient cure was provided at closing.

Reviewer Comment (2021-03-03): Sufficient cure was provided at closing. Reviewer Comment (2021-03-02): Sufficient cure was provided at closing.

Cured

N

3

2

B

B

B

B

B

302327819

20088393

03/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $40.27 exceeds tolerance of $24.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7520)

Reviewer Comment (2021-03-02): Sufficient cure was provided at closing.

Reviewer Comment (2021-03-02): Sufficient cure was provided at closing.

Cured

N

3

2

B

B

B

B

B

302331319

19933933

02/17/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-26): Inspection datedxxxxndicates no damage. Seller Comment (2021-02-25): PDI provided Reviewer Comment (2021-02-18): Start date 10.16.2020; end date 11.17.  Appraisal inspection was 11.13 Seller Comment (2021-02-18): please provide dates for FEMA disaster

Reviewer Comment (2021-02-26): Inspection datedxxxxndicates no damage. Reviewer Comment (2021-02-18): Start date 10.16.2020; end date 11.17.  Appraisal inspection was 11.13

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331319

19933978

02/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-02-26): PCCD with cure and LOE provided. Seller Comment (2021-02-25): PCCD/LOE Seller Comment (2021-02-25): PCCD Reviewer Comment (2021-02-25): As of xxxx, still have not received the PCCD and LOE. Seller Comment (2021-02-24): Uploaded PCCD and LOE

Reviewer Comment (2021-02-26): PCCD with cure and LOE provided. Reviewer Comment (2021-02-25): As of xxxx, still have not received the PCCD and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302331319

19933979

02/17/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-26): PCCD and LOE provided. Seller Comment (2021-02-25): PCCD uploaded 2/25 Reviewer Comment (2021-02-25): As of xxxx, still have not received the PCCD and LOE. Seller Comment (2021-02-24): Please see PCCD

Reviewer Comment (2021-02-26): PCCD and LOE provided. Reviewer Comment (2021-02-25): As of xxxx, still have not received the PCCD and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302500695

20056737

02/10/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $300.00 exceeds tolerance of $258.00 plus 10% or $283.80.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302500695

20056738

02/10/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-11): Approved lender exception provided.

Reviewer Comment (2021-02-11): Approved lender exception provided.

Borrower has been employed in the same industry for more than 5 years. Borrower has been employed in the same industry for more than 5 years. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by at least 40 points.

Waived

Y

3

2

B

B

B

B

B

B

B

B

B

B

302486030

20056733

02/01/2021

Credit

General

Missing Document: Desk Review not provided

Reviewer Comment (2021-02-09): cleared Buyer Comment (2021-02-08): SSR with 2.1

Reviewer Comment (2021-02-09): cleared

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302486030

20056735

02/05/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-05): Lender granted exception approval in file.

Reviewer Comment (2021-02-05): Lender granted exception approval in file.

The qualifying DTI on the loan is at least 10% less than the guideline maximum. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by at least 40 points.

Waived

Y

3

2

B

B

B

B

B

B

B

B

B

B

302278054

No Finding

Loan Completed Without Finding

Review Complete

01/21/2021

1

1

302150098

19393738

xxxx  2:59:00 PM

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-01): VVOE provided. Buyer Comment (2021-01-28): VOE uploaded

Reviewer Comment (2021-02-01): VVOE provided.

Cleared

02/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302150098

19393924

xxxx  3:18:02 PM

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-01): VVOE provided. Buyer Comment (2021-01-28): VOE xxxx

Reviewer Comment (2021-02-01): VVOE provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302150098

19412074

01/04/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-01): VVOE provided. Buyer Comment (2021-01-28): VOE xxxx uploaded

Reviewer Comment (2021-02-01): VVOE provided.

Cleared

02/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302150098

19412306

01/04/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-01): VVOE provided. Buyer Comment (2021-01-28): VOE uploaded

Reviewer Comment (2021-02-01): VVOE provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302260929

19866697

02/10/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-02-17): Mortgage payoff provided showing current at closing Seller Comment (2021-02-16): Please waive the requirement for the Mortgage/Rental payment history. Per guides, a VOM payment history requirement is determined by DU/LP. DU did not require a VOM.

Reviewer Comment (2021-02-17): Mortgage payoff provided showing current at closing

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243721

19453342

01/06/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-01): Business license verifies start date. Buyer Comment (2021-01-28): Please find attached a copy of the business license to confirm > 24 months self-employment

Reviewer Comment (2021-02-01): Business license verifies start date.

Cleared

02/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302171325

No Finding

Loan Completed Without Finding

Review Complete

01/24/2021

1

1

302172348

No Finding

Loan Completed Without Finding

Review Complete

01/20/2021

1

1

302264617

19587783

01/19/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Transcripts (2018), Transcripts (2019)

Reviewer Comment (2021-02-26): Cleared with uploaded doc's Buyer Comment (2021-02-26): 18 & 19 transcripts attached Reviewer Comment (2021-02-25): 2019 transcripts provided.  Guidelines require 2 years. Buyer Comment (2021-02-24): Transcripts uploaded

Reviewer Comment (2021-02-26): Cleared with uploaded doc's Reviewer Comment (2021-02-25): 2019 transcripts provided.  Guidelines require 2 years.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243691

19584406

01/19/2021

Credit

Mortgage / Program Eligibility

Missing Document: Note - Subordinate Lien not provided

Reviewer Comment (2021-02-03): HELOC agreement provided. Buyer Comment (2021-01-31): Please find attached the HELOC note

Reviewer Comment (2021-02-03): HELOC agreement provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243691

19584422

01/19/2021

Credit

Credit Documentation

Missing Document: Subordination Agreement not provided

Reviewer Comment (2021-02-03): Subordination agreement provided. Buyer Comment (2021-01-31): Please find attached the subordination agreement

Reviewer Comment (2021-02-03): Subordination agreement provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243691

19584529

01/19/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-25): Sufficient coverage documented. Buyer Comment (2021-02-24): Title uploaded

Reviewer Comment (2021-02-25): Sufficient coverage documented.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243691

19584550

01/19/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-25): Final title provided with updated coverage. Buyer Comment (2021-02-25): Title uploaded

Reviewer Comment (2021-02-25): Final title provided with updated coverage.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243691

19584556

01/19/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-02-25): Final title provided with updated coverage.

Reviewer Comment (2021-02-25): Final title provided with updated coverage.

Cleared

02/25/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302243691

19594941

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release(s).  Fee Amount of $90.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75198)

Reviewer Comment (2021-03-02): Upon further review, this exception has been cleared. Corrected fee name to Title - Copy or Fax Fee as disclosed on all LE's and CD's. Buyer Comment (2021-02-23): Please re-review. It appears the "title release" fee for $90 is on the final CD as "Certified True Copy Fee" which was disclosed on the initial LE as $500 and would not exceed tolerance. If this is not the case, please clarify and provide breakdown of where the zero percent tolerance exception is coming from.

Reviewer Comment (2021-03-02): Upon further review, this exception has been cleared. Corrected fee name to Title - Copy or Fax Fee as disclosed on all LE's and CD's.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243786

19591183

01/20/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 7,558.08 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-12): xxxx received tax calculation, exception cleared. Buyer Comment (2021-03-08): Underwriting findings Reviewer Comment (2021-03-01): 3/1/2021:  Unable to clear.   Final 1003 and 1008 match with documentation in the file.   HOI $56.17/mo,  Tax $53.84/mo., and HOA fees $564/mo.   Please provide a corrected CD and letter of explanation to the borrower. Buyer Comment (2021-02-25): LOE for escrow calculations. 8 pages.

Reviewer Comment (2021-03-12): xxxx received tax calculation, exception cleared. Reviewer Comment (2021-03-01): 3/1/2021:  Unable to clear.   Final 1003 and 1008 match with documentation in the file.   HOI $56.17/mo,  Tax $53.84/mo., and HOA fees $564/mo.   Please provide a corrected CD and letter of explanation to the borrower.

Cleared

03/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277038

19882322

02/11/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Secondary/xxxx)

Reviewer Comment (2021-03-08): Upon further review, this exception has been cleared. Desk Review dated xxxx was not provided to the borrower on xxxx.

Reviewer Comment (2021-03-08): Upon further review, this exception has been cleared. Desk Review dated xxxx was not provided to the borrower on xxxx.

Cleared

03/08/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302277038

19882336

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan).  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77140)

Reviewer Comment (2021-03-08): Upon further review, this exception has been cleared. Escrow Fee of $50.00 disclosed in Section C was captured as a Tax Certificate Fee (Life of Loan). . Seller Comment (2021-03-02): Please re-review and provide clarification of tolerance condition. The tax service fee is $89 and is disclosed on both LE and CD.

Reviewer Comment (2021-03-08): Upon further review, this exception has been cleared. Escrow Fee of $50.00 disclosed in Section C was captured as a Tax Certificate Fee (Life of Loan). .

Cleared

03/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369373

19677801

01/26/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-25): Approve/ineligible DU findings provided. Buyer Comment (2021-02-24): AUS uploaded

Reviewer Comment (2021-02-25): Approve/ineligible DU findings provided.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307739

No Finding

Loan Completed Without Finding

Review Complete

01/25/2021

1

1

302137061

19207134

xxxx  10:43:48 AM

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xxxx)

Reviewer Comment (2020-12-28): Evidence of appraisal delivery provided. Buyer Comment (2020-12-21): ECOA

Reviewer Comment (2020-12-28): Evidence of appraisal delivery provided.

Cleared

xxxx  12:24:50 PM

N

2

1

B

A

B

A

B

A

B

A

B

A

302323376

19808241

02/08/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: Zeke Schneider // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-26): Received the VVOE dated prior to closing on xxxx. Seller Comment (2021-02-25): VVOE uploaded Reviewer Comment (2021-02-22): WVOE provided but was not performed within 5 days of closing as required per guidelines. Seller Comment (2021-02-19): See Attached

Reviewer Comment (2021-02-26): Received the VVOE dated prior to closing on xxxx. Reviewer Comment (2021-02-22): WVOE provided but was not performed within 5 days of closing as required per guidelines.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323376

19808454

02/08/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-18): Delivery date documented and confirmed. Seller Comment (2021-02-17): Uploaded LOE and appraisals

Reviewer Comment (2021-02-18): Delivery date documented and confirmed.

Cleared

02/18/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302323376

19808461

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,200.00 exceeds tolerance of $500.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-23): xxxx received PCCD within 60 days of consummation correcting fees. Seller Comment (2021-02-17): Uploaded LOE, PCCD, 1003

Reviewer Comment (2021-02-23): xxxx received PCCD within 60 days of consummation correcting fees.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302406284

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302410408

No Finding

Loan Completed Without Finding

Review Complete

03/04/2021

1

1

302372909

19804051

02/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 47,981.40 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-03): xxxx received PCCD and LOE; exception is cured. Seller Comment (2021-02-25): PCCD Attached

Reviewer Comment (2021-03-03): xxxx received PCCD and LOE; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302372909

19804058

02/08/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-03-03): xxxx received confirmation of receipt, exception cleared. Seller Comment (2021-02-25): Confirmation of Intial CD

Reviewer Comment (2021-03-03): xxxx received confirmation of receipt, exception cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372909

19804059

02/08/2021

Compliance

Federal Compliance

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxx not received by borrower at least four (4) business days prior to closing. (Interxxxx021)

Reviewer Comment (2021-03-03): xxxx received confirmation of receipt, exception cleared. Seller Comment (2021-02-25): Compliance timeline

Reviewer Comment (2021-03-03): xxxx received confirmation of receipt, exception cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372909

19804060

02/08/2021

Compliance

Federal Compliance

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxx not received by borrower at least four (4) business days prior to closing. (Interxxxx021)

Reviewer Comment (2021-03-03): xxxx received confirmation of receipt, exception cleared. Seller Comment (2021-02-25): Compliance timeline

Reviewer Comment (2021-03-03): xxxx received confirmation of receipt, exception cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325084

No Finding

Loan Completed Without Finding

Review Complete

01/20/2021

1

1

302391311

19910757

02/16/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-05): Lender provided VVOE within 5 business days. Seller Comment (2021-03-04): Please see attached VVOE of the borrower within 5 business days of closing

Reviewer Comment (2021-03-05): Lender provided VVOE within 5 business days.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325343

19686633

01/27/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-03-01): xxxx received proof of e-sign consent receipt, exception cleared. Buyer Comment (2021-02-22): The econsent screenshot shows the email address used and when the date eConsent was accepted. This needs to be cleared. Reviewer Comment (2021-02-19): xxxx received a screen shot of version,current value with email, changed by and user name & when with date/time, however information does not confirm this was E-consent by borrower.  Please provide better documentation that clearly states it is e-consent with date by approved/accepted by borrower. Buyer Comment (2021-02-16): Please accept the screenshots as attestation that the borrower e-consented prior to the application date. Please clear. Reviewer Comment (2021-02-15): Unable to determine from the screen shot provided when actual e-consent was given.  Screen shot just shows email address and when received.  No mention of receiving docs electronically. Seller Comment (2021-02-12): econsent

Reviewer Comment (2021-03-01): xxxx received proof of e-sign consent receipt, exception cleared. Reviewer Comment (2021-02-19): xxxx received a screen shot of version,current value with email, changed by and user name & when with date/time, however information does not confirm this was E-consent by borrower.  Please provide better documentation that clearly states it is e-consent with date by approved/accepted by borrower. Reviewer Comment (2021-02-15): Unable to determine from the screen shot provided when actual e-consent was given.  Screen shot just shows email address and when received.  No mention of receiving docs electronically.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259762

No Finding

Loan Completed Without Finding

Review Complete

01/15/2021

1

1

302034690

19870209

02/10/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-25): Received VOE. Seller Comment (2021-02-23): WVOIE

Reviewer Comment (2021-02-25): Received VOE.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302034690

19983505

02/23/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-25): Received VOE from prior employer.

Reviewer Comment (2021-02-25): Received VOE from prior employer.

Cleared

02/25/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302035375

19867290

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $610.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302035375

19898625

02/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $110.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302394372

No Finding

Loan Completed Without Finding

Review Complete

02/05/2021

1

1

302332675

19799238

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302332675

19799239

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,237.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302332675

19804618

02/08/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx 1040 (2018) 1040 (2018)

Reviewer Comment (2021-02-17): Full 2018 tax returns including signature page were provided. Buyer Comment (2021-02-17): The first pages of the upload show the signature page of the 1040s, please advise. Reviewer Comment (2021-02-16): 2018 tax returns are still incomplete.  Missing page 1 and Schedule 1.  Without page 1, unable to determine if tax return is signed/dated by borrowers or if missing any other schedules/pages to tax return. Seller Comment (2021-02-15): 2018 Returns

Reviewer Comment (2021-02-17): Full 2018 tax returns including signature page were provided. Reviewer Comment (2021-02-16): 2018 tax returns are still incomplete.  Missing page 1 and Schedule 1.  Without page 1, unable to determine if tax return is signed/dated by borrowers or if missing any other schedules/pages to tax return.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286848

19779869

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $975.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75174)

Reviewer Comment (2021-02-11): xxxx received PCCD, exception cleared. Seller Comment (2021-02-08): PCCD

Reviewer Comment (2021-02-11): xxxx received PCCD, exception cleared.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302260961

19116049

xxxx  4:01:59 PM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2020-12-04): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property.

Reviewer Comment (2020-12-04): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property.

The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years. Property inspected post disaster but pre-FEMA declaration of disaster end date.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302277044

19938906

02/17/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,275.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-17): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-17): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302288834

19730229

02/01/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Other

Reviewer Comment (2021-02-13): Received evidence of no liens.  No evidence property has an HOA fees. Seller Comment (2021-02-12): Property owned free and clear

Reviewer Comment (2021-02-13): Received evidence of no liens.  No evidence property has an HOA fees.

Cleared

02/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288834

19730271

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $2,682.00 exceeds tolerance of $2,592.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302259403

19944947

02/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $873.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302470888

19892922

02/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,500.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302265832

19729975

02/01/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-11): PCCD previously received and updated; now clearing exception as required LOX to borrower also received Seller Comment (2021-02-08): LOX to borrower Reviewer Comment (2021-02-07): PCCD received, missing LOX to borrower. Seller Comment (2021-02-04): PCCD

Reviewer Comment (2021-02-11): PCCD previously received and updated; now clearing exception as required LOX to borrower also received Reviewer Comment (2021-02-07): PCCD received, missing LOX to borrower.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265912

19795635

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $9,891.00 exceeds tolerance of $9,828.00.  Sufficient or excess cure was provided to the borrower at Closing. (7200)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302265912

19805328

02/08/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-18): Received RCE.  Coverage is sufficient. Seller Comment (2021-02-17): replacement cost estimate shows sufficient coverage.

Reviewer Comment (2021-02-18): Received RCE.  Coverage is sufficient.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265912

19805389

02/08/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $450.00 exceeds tolerance of $403.00 plus 10% or $443.30.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302271799

19732393

02/01/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclouse Amount of Non-Escrowed Property Costs over Year 1 (Final/xxxx)

Reviewer Comment (2021-02-11): Lender cured on the PCCD dated 02.04.2021.

Reviewer Comment (2021-02-11): Lender cured on the PCCD dated 02.04.2021.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302306332

19647084

01/22/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-02-10): Received evidence in the divorce decree than ex is responsible for 1/2 of the property located at xxxx   Bank statement in file reflects 1/2 each being paid by both parties. Seller Comment (2021-02-04): UW comments and guidelines. Reviewer Comment (2021-02-03): Borrower may be 50% owner but he is responsible if the other party party does not pay. Buyer Comment (2021-02-02): mortgage statement shows borrower is only 50% owner of xxxx property. Reviewer Comment (2021-02-01): Lender used a rental loss of $2,632 on rental property 427, calculated loss is $5,150. Buyer Comment (2021-01-27): 24 month history of bonus income was used based on 11/15 paystub and WVOE figures.

Reviewer Comment (2021-02-10): Received evidence in the divorce decree than ex is responsible for 1/2 of the property located at xxxx   Bank statement in file reflects 1/2 each being paid by both parties. Reviewer Comment (2021-02-03): Borrower may be 50% owner but he is responsible if the other party party does not pay. Reviewer Comment (2021-02-01): Lender used a rental loss of $2,632 on rental property 427, calculated loss is $5,150.

Cleared

02/10/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302306332

19647085

01/22/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-01-29): xxxx received E-sign confirmation, exception is cleared. Seller Comment (2021-01-26): E-consent

Reviewer Comment (2021-01-29): xxxx received E-sign confirmation, exception is cleared.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306332

19647087

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Insurance Certificate Fee.  Fee Amount of $85.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75142)

Reviewer Comment (2021-02-16): Provided COC for Insurance Cert fee and invoice when was made aware of the charge Buyer Comment (2021-02-12): HOA charged $85 for insurance certificate on 12/17. Fee was disclosed to borrower on change of circumstance next business day 12/18.  As this is a fee that Guaranteed Rate had to pay to the HOA fee should still be in section B. Reviewer Comment (2021-02-05): Seller rebuttal indicates the HOA charged $85 to provide proof of coverage.  Need evidence or documentation of the changed circumstance and when creditor was made aware of information resulting in disclosure of this fee only at the time the CD was issued and not previously on LEs.  If fee is not a lender required fee/service and not a loan cost associated with the extension of credit, fee should be disclosed in Section H. Buyer Comment (2021-02-03): Documents provided due support a valid changed circumstance. HOA insurance is required, the HOA charged $85 to provide proof of coverage and that fee had to be added to the CD as a required fee and was properly disclosed to the borrower. No cure should be required. Reviewer Comment (2021-02-01): xxxx received Changed Circumstance dated xxxx and Invoice dated xxxx,  but they do not give sufficient information to support a valid changed circumstance.  As the insurance certificate fee was included in section B of the CD, the fee was required by the lender and the consumer was not allowed to shop, therefore subject to tolerance.  If charge is not lender required, fee should be disclosed in Section H.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2021-01-29): HOA charged $85 dollars to provide copy of master insurance policy. Reviewer Comment (2021-01-29): The reason for the additional fee was not disclosed.  Please provide the reason the fee was added to the transaction that was not known at the time of initial disclosure, or cure. Seller Comment (2021-01-26): Disclosed on revised initial CD

Reviewer Comment (2021-02-16): Provided COC for Insurance Cert fee and invoice when was made aware of the charge Reviewer Comment (2021-02-05): Seller rebuttal indicates the HOA charged $85 to provide proof of coverage.  Need evidence or documentation of the changed circumstance and when creditor was made aware of information resulting in disclosure of this fee only at the time the CD was issued and not previously on LEs.  If fee is not a lender required fee/service and not a loan cost associated with the extension of credit, fee should be disclosed in Section H. Reviewer Comment (2021-02-01): xxxx received Changed Circumstance dated xxxx and Invoice dated xxxx,  but they do not give sufficient information to support a valid changed circumstance.  As the insurance certificate fee was included in section B of the CD, the fee was required by the lender and the consumer was not allowed to shop, therefore subject to tolerance.  If charge is not lender required, fee should be disclosed in Section H.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Reviewer Comment (2021-01-29): The reason for the additional fee was not disclosed.  Please provide the reason the fee was added to the transaction that was not known at the time of initial disclosure, or cure.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306332

19660817

01/25/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.51394% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-02-10): Received evidence in the divorce decree than ex is responsible for 1/2 of the property located at xxxx   Bank statement in file reflects 1/2 each being paid by both parties. Buyer Comment (2021-02-04): See UW comments uploaded to other condition. Reviewer Comment (2021-02-03): Borrower may be 50% owner but he is responsible if the other party party does not pay. Buyer Comment (2021-02-02): mortgage statement shows borrower is only 50% owner of xxxx property. Reviewer Comment (2021-02-01): Lender used a rental loss of $2,632 on rental property 427, calculated loss is $5,150. Buyer Comment (2021-01-27): Capital gains loss is included in DTI.  1003 reflects -$695.39/mo for this.

Reviewer Comment (2021-02-10): Received evidence in the divorce decree than ex is responsible for 1/2 of the property located at xxxx   Bank statement in file reflects 1/2 each being paid by both parties. Reviewer Comment (2021-02-03): Borrower may be 50% owner but he is responsible if the other party party does not pay. Reviewer Comment (2021-02-01): Lender used a rental loss of $2,632 on rental property 427, calculated loss is $5,150.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306332

19660818

01/25/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-02-10): Received evidence in the divorce decree than ex is responsible for 1/2 of the property located at xxxx   Bank statement in file reflects 1/2 each being paid by both parties. Buyer Comment (2021-02-04): See UW comments in other condition. Reviewer Comment (2021-02-03): Borrower may be 50% owner but he is responsible if the other party party does not pay. Buyer Comment (2021-02-02): mortgage statement shows borrower is only 50% owner of xxxx property. Reviewer Comment (2021-02-01): Lender used a rental loss of $2,632 on rental property 427, calculated loss is $5,150. Buyer Comment (2021-01-27): capital gains loss is included in DTI.  1003 reflects -$395.39/mo for this based on three year average.

Reviewer Comment (2021-02-10): Received evidence in the divorce decree than ex is responsible for 1/2 of the property located at xxxx   Bank statement in file reflects 1/2 each being paid by both parties. Reviewer Comment (2021-02-03): Borrower may be 50% owner but he is responsible if the other party party does not pay. Reviewer Comment (2021-02-01): Lender used a rental loss of $2,632 on rental property 427, calculated loss is $5,150.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306332

19660825

01/25/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 43.51394% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-02-10): Received evidence in the divorce decree than ex is responsible for 1/2 of the property located at xxxx   Bank statement in file reflects 1/2 each being paid by both parties. Buyer Comment (2021-02-04): See UW comments in other condition. Reviewer Comment (2021-02-03): Borrower may be 50% owner but he is responsible if the other party party does not pay. Buyer Comment (2021-02-02): mortgage statement shows borrower is only 50% owner of xxxx property. Reviewer Comment (2021-02-01): Lender used a rental loss of $2,632 on rental property 427, calculated loss is $5,150. Buyer Comment (2021-01-27): capital gains loss is included in DTI. 1003 reflects -$395.39/mo for this based on three year average.

Reviewer Comment (2021-02-10): Received evidence in the divorce decree than ex is responsible for 1/2 of the property located at xxxx   Bank statement in file reflects 1/2 each being paid by both parties. Reviewer Comment (2021-02-03): Borrower may be 50% owner but he is responsible if the other party party does not pay. Reviewer Comment (2021-02-01): Lender used a rental loss of $2,632 on rental property 427, calculated loss is $5,150.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306332

19661172

01/25/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-02-10): Received evidence in the divorce decree than ex is responsible for 1/2 of the property located at xxxx   Bank statement in file reflects 1/2 each being paid by both parties. Buyer Comment (2021-02-04): See UW comments in other condition. Reviewer Comment (2021-02-03): Borrower may be 50% owner but he is responsible if the other party party does not pay. Buyer Comment (2021-02-02): mortgage statement shows borrower is only 50% owner of xxxx property. Reviewer Comment (2021-02-01): Lender used a rental loss of $2,632 on rental property 427, calculated loss is $5,150. Buyer Comment (2021-01-27): capital gains loss is included in DTI. 1003 reflects -$695.39/mo for this based on three year average.

Reviewer Comment (2021-02-10): Received evidence in the divorce decree than ex is responsible for 1/2 of the property located at xxxx   Bank statement in file reflects 1/2 each being paid by both parties. Reviewer Comment (2021-02-03): Borrower may be 50% owner but he is responsible if the other party party does not pay. Reviewer Comment (2021-02-01): Lender used a rental loss of $2,632 on rental property 427, calculated loss is $5,150.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302395298

19772201

02/03/2021

Credit

Application / Processing

Missing Document: Approval not provided

Reviewer Comment (2021-02-11): Received 1008. Seller Comment (2021-02-09): 1008/1003

Reviewer Comment (2021-02-11): Received 1008.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302395298

19773978

02/03/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 10,567.37 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-21): Received PCCD issuedxxxx correcting the total property costs year 1 and a LOX. Seller Comment (2021-02-18): LOX for PCCD to borrower Reviewer Comment (2021-02-18): The PCCD is accurate Seller Comment (2021-02-15): PCCD for review. Once confirmed, I will send to borrower.

Reviewer Comment (2021-02-21): Received PCCD issuedxxxx correcting the total property costs year 1 and a LOX. Reviewer Comment (2021-02-18): The PCCD is accurate

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302395298

19779443

02/04/2021

Credit

General

Property is a PUD.  PUD Rider was not indicated on the Security Instrument.

Property Type: PUD.

Reviewer Comment (2021-02-16): Mortgage provided with PUD box checked and rider attached. Seller Comment (2021-02-15): Mortgage

Reviewer Comment (2021-02-16): Mortgage provided with PUD box checked and rider attached.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315047

19849800

02/09/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-03-02): xxxx received 11/03 e consent. Seller Comment (2021-02-23): econsent

Reviewer Comment (2021-03-02): xxxx received 11/03 e consent.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315047

19954711

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $625.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302288923

19886519

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75201)

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302392753

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302306985

19796403

02/05/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-18): Signed/dated returns provided. Seller Comment (2021-02-17): Signed returns Reviewer Comment (2021-02-17): Business returns provided but are not signed or dated by the borrower. Seller Comment (2021-02-16): Self employed docs

Reviewer Comment (2021-02-18): Signed/dated returns provided. Reviewer Comment (2021-02-17): Business returns provided but are not signed or dated by the borrower.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306985

19796405

02/05/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-18): Signed/dated returns provided.

Reviewer Comment (2021-02-18): Signed/dated returns provided.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306985

19796444

02/05/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-18): Signed/dated returns provided.

Reviewer Comment (2021-02-18): Signed/dated returns provided.

Cleared

02/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302306985

19796445

02/05/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-17): PCCD and LOE provided. Seller Comment (2021-02-16): PCCD LOX

Reviewer Comment (2021-02-17): PCCD and LOE provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302306985

19796446

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee.  Fee Amount of $1,174.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7349)

Reviewer Comment (2021-02-19): xxxx received VCC, exception is cleared. Seller Comment (2021-02-16): NOLC. no cure needed.

Reviewer Comment (2021-02-19): xxxx received VCC, exception is cleared.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316143

19736181

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $65.00 exceeds tolerance of $45.00.  Insufficient or no cure was provided to the borrower. (75187)

Reviewer Comment (2021-02-17): Lender cured on the PCCD dated xxxx by refunding the borrower $20.00. Received proof of refund, LOE, corrected CD, and proof of delivery.

Reviewer Comment (2021-02-17): Lender cured on the PCCD dated xxxx by refunding the borrower $20.00. Received proof of refund, LOE, corrected CD, and proof of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302316143

19736182

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7564)

Reviewer Comment (2021-02-21): Received PCCD issuedxxxx reflecting the removal of the title endorsement fee and a final settlement statement. Seller Comment (2021-02-17): Endorsement fee was removed and not on final SS. Please clear.

Reviewer Comment (2021-02-21): Received PCCD issuedxxxx reflecting the removal of the title endorsement fee and a final settlement statement.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302316468

19768162

02/03/2021

Credit

Credit Documentation

Missing Document: Credit Report not provided

Reviewer Comment (2021-02-11): Credit report provided. Seller Comment (2021-02-08): Credit Report

Reviewer Comment (2021-02-11): Credit report provided.

Cleared

02/11/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302316468

19768827

02/03/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-02-11): HELOC was used for purchase, verified via credit report and title. Seller Comment (2021-02-09): The HELOC we paid off was used to purchase the subject property.    Title confirms. Please advise.

Reviewer Comment (2021-02-11): HELOC was used for purchase, verified via credit report and title.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316468

19771012

02/03/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-18): Received balance sheet. Seller Comment (2021-02-18): Balance Sheet

Reviewer Comment (2021-02-18): Received balance sheet.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316468

19771013

02/03/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-18): Received balance sheet.

Reviewer Comment (2021-02-18): Received balance sheet.

Cleared

02/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302394698

19799171

02/05/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $493.00 exceeds tolerance of $440.00 plus 10% or $484.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320922

19810096

02/08/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-18): Received signed and dated returns. Seller Comment (2021-02-17): business returns signature pages.

Reviewer Comment (2021-02-18): Received signed and dated returns.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320922

19810097

02/08/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-18): Received signed and dated returns. Buyer Comment (2021-02-17): returns uploaded to other condition

Reviewer Comment (2021-02-18): Received signed and dated returns.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320922

19810098

02/08/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-18): Received signed and dated returns. Buyer Comment (2021-02-17): returns uploaded to other condition

Reviewer Comment (2021-02-18): Received signed and dated returns.

Cleared

02/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302321646

No Finding

Loan Completed Without Finding

Review Complete

02/16/2021

1

1

302372425

No Finding

Loan Completed Without Finding

Review Complete

02/24/2021

1

1

302323424

19807877

02/08/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-26): Evidence of earlier consent provided. Seller Comment (2021-02-22): econsent

Reviewer Comment (2021-02-26): Evidence of earlier consent provided.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325341

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302326626

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302332824

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302332732

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302337320

19901773

02/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,400.00 exceeds tolerance of $950.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302337320

19919497

02/16/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-22): losses were carryover, two years of 1040s in file are sufficient Buyer Comment (2021-02-22): 2018 and 2019 Capital D losses were a result of “loss carryovers”  and excluded from loss calculations per xxxx guides. Please refer to schedule D, part II, line 14 of 1040s. Third year not required.Any recurring capital loss need to be deducted from qualifying income. Carryover losses may be excluded.Please advise.

Reviewer Comment (2021-02-22): losses were carryover, two years of 1040s in file are sufficient

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302337320

19919498

02/16/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-22): losses were carryover, two years of 1040s in file are sufficient

Reviewer Comment (2021-02-22): losses were carryover, two years of 1040s in file are sufficient

Cleared

02/22/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302335584

19898015

02/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302338281

19736285

02/01/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 2.94 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-03-03): Received the retirement account statements to verify 11 months reserves.

Reviewer Comment (2021-03-03): Received the retirement account statements to verify 11 months reserves.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338173

20092259

03/03/2021

Property

Appraisal Documentation

Loan is to be securitized.   Drive by (exterior only) appraisal was provided in lieu of full appraisal.  (GSE COVID19)

Application Date:  xxxx; Closing Date:  xxxx

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302336661

19885011

02/11/2021

Credit

Guideline Issue

Aged document: Asset Account date is more than 90 days prior to Closing.

Financial Institution: xxxx // Account Type: 401(k)/403(b) Account / Account Number: xxxx

Reviewer Comment (2021-03-04): Updated statement provided with gap from last statement to 12.31.20. Input as provided. Seller Comment (2021-03-04): Account xxxx Seller Comment (2021-03-03): Docs to clear conditions

Reviewer Comment (2021-03-04): Updated statement provided with gap from last statement to 12.31.20. Input as provided.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336661

19885466

02/11/2021

Compliance

Federal Compliance

Rental Income Documentation - 25% Method

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement not provided or % of gross rents used is greater than 75%. (xxxx/25% Vacancy Method)

Reviewer Comment (2021-03-04): Lease agreement, taxes and HOA provided and input. Seller Comment (2021-03-03): Docs

Reviewer Comment (2021-03-04): Lease agreement, taxes and HOA provided and input.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336661

19885467

02/11/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - REO 25% Method

Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxx/25% Vacancy Method)

Reviewer Comment (2021-03-04): Lease agreement, taxes and HOA provided and input.

Reviewer Comment (2021-03-04): Lease agreement, taxes and HOA provided and input.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336661

19885468

02/11/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-03-04): Lease agreement, taxes and HOA provided and input.

Reviewer Comment (2021-03-04): Lease agreement, taxes and HOA provided and input.

Cleared

03/04/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302336661

19885469

02/11/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-03-04): Lease agreement, taxes and HOA provided and input.

Reviewer Comment (2021-03-04): Lease agreement, taxes and HOA provided and input.

Cleared

03/04/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302336661

19885470

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $65.00 exceeds tolerance of $45.00.  Sufficient or excess cure was provided to the borrower at Closing. (75187)

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302336661

19885471

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7564)

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302371100

19802335

02/06/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-18): xxxx received a corrected PCCD indicating will not have escrow reason and LOE. Seller Comment (2021-02-15): PCCD LOX

Reviewer Comment (2021-02-18): xxxx received a corrected PCCD indicating will not have escrow reason and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302370918

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302400032

No Finding

Loan Completed Without Finding

Review Complete

02/05/2021

1

1

302404397

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302500682

20056722

02/06/2021

Credit

Insurance Analysis

Hazard Insurance Policy expires within 90 days of the Note Date.

Hazard Insurance Policy Expiration Date xxxx, Note Date xxxx

Reviewer Comment (2021-02-11): Cleared Buyer Comment (2021-02-10): HOI Renewal

Reviewer Comment (2021-02-11): Cleared

Cleared

02/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302500682

20056724

02/06/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Award Letter / Continuance Letter

Reviewer Comment (2021-02-11): provided Buyer Comment (2021-02-11): xxxx Awards letter for Co Borrower Buyer Comment (2021-02-10): HOI Renewal Expires 1/15/22

Reviewer Comment (2021-02-11): provided

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302500682

20056725

02/06/2021

Compliance

Federal Compliance

Retirement Documentation

Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (xxxx/Annuity)

Reviewer Comment (2021-02-11): provided Buyer Comment (2021-02-11): PERA Awards letter for Co Borrower

Reviewer Comment (2021-02-11): provided

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302500682

20056726

02/06/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-11): provided

Reviewer Comment (2021-02-11): provided

Cleared

02/11/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302500680

20056684

02/12/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-15): Cleared Buyer Comment (2021-02-13): Fraud Report

Reviewer Comment (2021-02-15): Cleared

Cleared

02/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302500680

20056685

02/12/2021

Credit

General

Missing Document: Desk Review not provided

Reviewer Comment (2021-02-15): Cleared Buyer Comment (2021-02-13): SSR

Reviewer Comment (2021-02-15): Cleared

Cleared

02/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302500680

20056687

02/12/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 45.25227% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-02-18): Total debts paid off at closing updated and removed duplicate account from debts.  DTI now in line.

Reviewer Comment (2021-02-18): Total debts paid off at closing updated and removed duplicate account from debts.  DTI now in line.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302500680

20056688

02/12/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-02-18): Total debts paid off at closing updated and removed duplicate account from debts.  DTI now in line.

Reviewer Comment (2021-02-18): Total debts paid off at closing updated and removed duplicate account from debts.  DTI now in line.

Cleared

02/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302500680

20056689

02/12/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-02-18): Total debts paid off at closing updated and removed duplicate account from debts.  DTI now in line.

Reviewer Comment (2021-02-18): Total debts paid off at closing updated and removed duplicate account from debts.  DTI now in line.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302500680

20056690

02/12/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 45.25227% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-02-18): Total debts paid off at closing updated and removed duplicate account from debts.  DTI now in line. Buyer Comment (2021-02-17): Please see xxxx with $3833 balance. One of these should be excluded. Thanks Mike! Reviewer Comment (2021-02-17): we have the same net $169.38. Buyer Comment (2021-02-16): Please review Rental Calc

Reviewer Comment (2021-02-18): Total debts paid off at closing updated and removed duplicate account from debts.  DTI now in line. Reviewer Comment (2021-02-17): we have the same net $169.38.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302500680

20056691

02/12/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-02-18): Total debts paid off at closing updated and removed duplicate account from debts.  DTI now in line.

Reviewer Comment (2021-02-18): Total debts paid off at closing updated and removed duplicate account from debts.  DTI now in line.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270838

19730544

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $500.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7723)

Reviewer Comment (2021-02-09): xxxx received LOE, corrected CD, copy of refund check, and proof of mailing. Seller Comment (2021-02-08): Please see PC CD, LOE and refund check.

Reviewer Comment (2021-02-09): xxxx received LOE, corrected CD, copy of refund check, and proof of mailing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302412232

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302398110

No Finding

Loan Completed Without Finding

Review Complete

02/16/2021

1

1

302133916

19378797

xxxx  8:02:33 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-02-07): Cure docs provided. Buyer Comment (2021-02-03): Uploaded LOE and PCCD Reviewer Comment (2021-02-01): Provide PCCD with $150 fee as a specific lender credit in the paid by lender column, and reduce the general lender credit to $3500. Provide proof of mailing, PCCD and LOE to consumer. Buyer Comment (2021-01-26): Per lender: On this file, we missed the $150 fee for the third party CDA on the initial LE. On 10/26 we disclosed the $150 fee that was missed on the initial LE and in addition raised the lender credit to the borrower $150 to cover the cost on the same change of circumstance. We know we missed the charge so we added the credit to offset the charge. Can you let me know what else you are looking for besides the COC and letter of explanation that were attached Reviewer Comment (2021-01-26): xxxx eceived additional information for the 10-26-20 changed circumstance.  However the 9-28-20 Initial LE reflects that loan was locked and thus a product/program would of been selected.  The 10-26-20 did not reflect any changed in product or terms.  At initial rate lock the program would of been known and lender credit and appraisal fees would of been know.   In order to determine if the changed circumstance is valid more information is necessary on reason fee increased/added and lender credit decreased and when lender became aware of the change.  File documentation should be included to support a change to program/product as loan was already locked.  A valid Changed Circumstance or cure requirements of Corrected CD, LOE to borrower, proof of mailing and copy of refund check are required. Buyer Comment (2021-01-21): Per lender: The fee was credited back on the same change of circumstance. Lender credit raised $150 to cover the cost of the new fee. Reviewer Comment (2021-01-12): xxxx received 10/26 that indicates appraisal fee and lender credit. It does not indicate a changed circumstance that occurred. Please provide detailed VCC if available or please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2021-01-06): COC Reviewer Comment (2021-01-06): xxxx reviewed final CD.  Lender credit of $3650 is a general lender credit and does not reflect any cure portion in Section J page 2 for amount that increased in closing costs above legal limit.  If the general lender credit (or a portion of it) was intended to be used for a tolerance cure, a Corrected CD adding teh cure amount in the section in Section J Lender credits for increase in closing costs above legal limit and LOE to borrower on correction would be required to cure. Buyer Comment (2020-12-31): Lender Credit of $3650.00 on pg. 2 of xxxx LE includes exceeded fee amount of $150.00. Please review.

Reviewer Comment (2021-02-07): Cure docs provided. Reviewer Comment (2021-02-01): Provide PCCD with $150 fee as a specific lender credit in the paid by lender column, and reduce the general lender credit to $3500. Provide proof of mailing, PCCD and LOE to consumer. Reviewer Comment (2021-01-26): xxxx eceived additional information for the 10-26-20 changed circumstance.  However the 9-28-20 Initial LE reflects that loan was locked and thus a product/program would of been selected.  The 10-26-20 did not reflect any changed in product or terms.  At initial rate lock the program would of been known and lender credit and appraisal fees would of been know.   In order to determine if the changed circumstance is valid more information is necessary on reason fee increased/added and lender credit decreased and when lender became aware of the change.  File documentation should be included to support a change to program/product as loan was already locked.  A valid Changed Circumstance or cure requirements of Corrected CD, LOE to borrower, proof of mailing and copy of refund check are required. Reviewer Comment (2021-01-12): xxxx received 10/26 that indicates appraisal fee and lender credit. It does not indicate a changed circumstance that occurred. Please provide detailed VCC if available or please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Reviewer Comment (2021-01-06): xxxx reviewed final CD.  Lender credit of $3650 is a general lender credit and does not reflect any cure portion in Section J page 2 for amount that increased in closing costs above legal limit.  If the general lender credit (or a portion of it) was intended to be used for a tolerance cure, a Corrected CD adding teh cure amount in the section in Section J Lender credits for increase in closing costs above legal limit and LOE to borrower on correction would be required to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302133916

19378876

xxxx  8:21:14 PM

Credit

General

Missing Document: Explanation Letter not provided

Reviewer Comment (2021-01-15): Gap letter provided.

Reviewer Comment (2021-01-15): Gap letter provided.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302133916

19379186

xxxx  10:10:36 PM

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-01-15): Gap letter provided. Buyer Comment (2021-01-11): Lox for Gap

Reviewer Comment (2021-01-15): Gap letter provided.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302133916

19379187

xxxx  10:10:36 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-15): Gap letter provided.

Reviewer Comment (2021-01-15): Gap letter provided.

Cleared

01/15/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302226660

19391683

xxxx  12:17:28 PM

Credit

Credit Documentation

No evidence of fraud report in file

Credit Report: Original // Borrower: xxxxx

Reviewer Comment (2021-01-17): Provided fraud report Buyer Comment (2021-01-15): Fraud uploaded

Reviewer Comment (2021-01-17): Provided fraud report

Cleared

01/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302226660

19391904

xxxx  12:34:02 PM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-17): Provided Closing statement Buyer Comment (2021-01-15): CD uploaded

Reviewer Comment (2021-01-17): Provided Closing statement

Cleared

01/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302226660

19391912

xxxx  12:34:32 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien

TRID Final Closing Disclosure xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xxxx)

Reviewer Comment (2021-01-17): Provided seller cd Buyer Comment (2021-01-12): seller CD

Reviewer Comment (2021-01-17): Provided seller cd

Cleared

01/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288812

19931888

02/17/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-03-05): Borrower acknowledgment provided. Seller Comment (2021-03-04): Appraisal disclosure

Reviewer Comment (2021-03-05): Borrower acknowledgment provided.

Cleared

03/05/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302288812

19931889

02/17/2021

Compliance

Federal Compliance

RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application

RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.

Reviewer Comment (2021-03-05): Delivery date documented. Seller Comment (2021-03-04): Homeowners Counseling List Seller Comment (2021-03-04): Appraisal disclosure

Reviewer Comment (2021-03-05): Delivery date documented.

Cleared

03/05/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302286894

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302288811

19871970

02/10/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-16): Disclosure provided. Seller Comment (2021-02-16): MLO

Reviewer Comment (2021-02-16): Disclosure provided.

Cleared

02/16/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302288811

19871986

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $2,145.00 exceeds tolerance of $2,085.00.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2021-03-08): Received a Post-closing CD dated xxxx that disclosed a cure of $60.00, which cleared this exception. Seller Comment (2021-03-02): LOE, PCCD and disclosure tracking

Reviewer Comment (2021-03-08): Received a Post-closing CD dated xxxx that disclosed a cure of $60.00, which cleared this exception.

Cleared

03/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288811

20142038

03/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $2,145.00 exceeds tolerance of $2,085.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (8304)

Reviewer Comment (2021-03-10): xxxx reviewed cured indicated on FSS. Reviewer Comment (2021-03-10): In order to cure this exception, a Letter of Explanation, Proof of Delivery and Copy of the Refund Check for $60.00 are still required. The proof of email delivery cannot be used as the refund check must be mailed to the borrowers. Exception remains. Seller Comment (2021-03-08): Please see the closing statement D0264 showing the cure amount included with disbursement and Disclosure Summary was provided showing when the corrected CD D0486 was issued for delivery. Please review and amend

Reviewer Comment (2021-03-10): xxxx reviewed cured indicated on FSS. Reviewer Comment (2021-03-10): In order to cure this exception, a Letter of Explanation, Proof of Delivery and Copy of the Refund Check for $60.00 are still required. The proof of email delivery cannot be used as the refund check must be mailed to the borrowers. Exception remains.

Cured

N

3

2

B

B

B

B

B

302288930

19609010

01/21/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-03-03): Replacement cost estimator provided. Buyer Comment (2021-03-02): Hazard policy provided

Reviewer Comment (2021-03-03): Replacement cost estimator provided.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288930

19611990

01/21/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Homeowners Insurance Included In Escrow

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/xxxx)

Reviewer Comment (2021-03-04): Verified via Provided Post Close Closing Disclosure (CD) & Corresponding Change of Circumstance (COC) issued xxxx that Escrows for Taxes & Insurance  are now included in this Transaction. Buyer Comment (2021-03-01): Uploaded LOE, PCCD and COC

Reviewer Comment (2021-03-04): Verified via Provided Post Close Closing Disclosure (CD) & Corresponding Change of Circumstance (COC) issued xxxx that Escrows for Taxes & Insurance  are now included in this Transaction.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288930

19611991

01/21/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Property Taxes Included In Escrow

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx incorrectly disclosed whether property taxes are included in escrow. (Final/xxxx)

Reviewer Comment (2021-03-04): Verified via Provided Post Close Closing Disclosure (CD) & Corresponding Change of Circumstance (COC) issued xxxx that Escrows for Taxes & Insurance are now included in this Transaction. Reviewer Comment (2021-03-04): Verified via Provided Post Close Closing Disclosure (CD) & Corresponding Change of Circumstance (COC) issued xxxx that Escrows are now included in this Transaction. Buyer Comment (2021-03-01): Please see uploaded LOE, PCCD and COC

Reviewer Comment (2021-03-04): Verified via Provided Post Close Closing Disclosure (CD) & Corresponding Change of Circumstance (COC) issued xxxx that Escrows for Taxes & Insurance are now included in this Transaction. Reviewer Comment (2021-03-04): Verified via Provided Post Close Closing Disclosure (CD) & Corresponding Change of Circumstance (COC) issued xxxx that Escrows are now included in this Transaction.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290234

20004508

02/23/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 41.75500% exceeds Guideline total debt ratio of 38.00000%.

Reviewer Comment (2021-03-10): Max DTI per Guidelines is 43%. Seller Comment (2021-03-09): Lender Response: " The final CD and Final settlement statement is uploaded and shows the borrower received $2000 cash back. This is a R&T which allows for up to 43% DTI. Please clear condition." Uploaded CD & Settlement Statement.

Reviewer Comment (2021-03-10): Max DTI per Guidelines is 43%.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302387225

20152282

03/09/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-03-11): Loan Originator Compensation disclosure providedxxxx. Seller Comment (2021-03-10): MLO

Reviewer Comment (2021-03-11): Loan Originator Compensation disclosure providedxxxx.

Cleared

03/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302323375

19952294

02/19/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-03-04): Coverage is effective prior to disbursement. Seller Comment (2021-03-03): see attached settlement statement - disbursement date is xxxx

Reviewer Comment (2021-03-04): Coverage is effective prior to disbursement.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290127

19954034

02/19/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-23): CDA with 0% variance provided. Seller Comment (2021-02-23): CDA uploaded

Reviewer Comment (2021-02-23): CDA with 0% variance provided.

Cleared

02/23/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302290127

19954149

02/19/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-23): Provided LO comp disclosure Seller Comment (2021-02-21): MLO

Reviewer Comment (2021-02-23): Provided LO comp disclosure

Cleared

02/23/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290127

19954150

02/19/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,762.38  is less than amount of binding Lender Credit previously disclosed in the amount of $-5,362.68. (9300)

Reviewer Comment (2021-02-19): Cure provided at closing.

Reviewer Comment (2021-02-19): Cure provided at closing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302290211

19948125

02/18/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-03-08): xxxx received PCCD and LOE; exception is cured prior to discovery. Seller Comment (2021-03-01): PCCD

Reviewer Comment (2021-03-08): xxxx received PCCD and LOE; exception is cured prior to discovery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302290211

19948126

02/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $500.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-03-19):xxxx:  Appraisal amount collected on Final CD reflects $500. Seller Comment (2021-03-18): A copy of a refund check is not required as the final settlement statement shows the correct cure amount at disbursement. Will notify lender to provide corrected CD showing the total correct amount in section J to finalize cure Reviewer Comment (2021-03-18): Received the Letter of Explanation and Corrected Closing Disclosure. As of xxxx, still not received the following required to rereview this exception: Proof of Delivery and Copy of Refund Check for $200.00. Exception remains. Seller Comment (2021-03-18): LOE and PCCD Seller Comment (2021-03-16): Comment added was from the lender: hello, 750$ fee was before closing, the agent credit them $250 bringing the fee to $500 as shown on section L, please clear Seller Comment (2021-03-16): hello, 750$ fee was before closing, the agent credit them $250 bringing the fee to $500 as shown on section L, please clear Reviewer Comment (2021-03-12): The post-closing CD dated xxxx disclosed the borrowers paid $750.00 for the Appraisal Fee (which was disclosed on the Initial Loan Estimate as $500.00). The broker credit of $250.00 disclosed on Page 3 in the Summaries of Transactions cannot be used to offset the tolerance violation of $250.00. In order to rereview this exception, all of the following are required: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2021-03-11): PCCD and final settlement statement. Per Lender: the $250 overage in appraisal was given as credit by broker at the time the loan disbursed, please see attached final ss and review previous pccd uploaded showing credit to borrower for $250. Reviewer Comment (2021-03-08): Loan file indicates Appraisal fee increased on 12/21, per invoice.  However, the increase isn't disclosed  until 1/12, more than three days from the lenders notification of increase. PCCD, LOE and copy of refund check are required to cure. Reviewer Comment (2021-03-08): Cured in error Reviewer Comment (2021-03-08): xxxx received PCCD and LOE; exception is cured. Seller Comment (2021-03-01): PCCD and appraisal invoice

Reviewer Comment (2021-03-19):xxxx:  Appraisal amount collected on Final CD reflects $500. Reviewer Comment (2021-03-18): Received the Letter of Explanation and Corrected Closing Disclosure. As of xxxx, still not received the following required to rereview this exception: Proof of Delivery and Copy of Refund Check for $200.00. Exception remains. Reviewer Comment (2021-03-12): The post-closing CD dated xxxx disclosed the borrowers paid $750.00 for the Appraisal Fee (which was disclosed on the Initial Loan Estimate as $500.00). The broker credit of $250.00 disclosed on Page 3 in the Summaries of Transactions cannot be used to offset the tolerance violation of $250.00. In order to rereview this exception, all of the following are required: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Reviewer Comment (2021-03-08): Loan file indicates Appraisal fee increased on 12/21, per invoice.  However, the increase isn't disclosed  until 1/12, more than three days from the lenders notification of increase. PCCD, LOE and copy of refund check are required to cure. Reviewer Comment (2021-03-08): Cured in error Reviewer Comment (2021-03-08): xxxx received PCCD and LOE; exception is cured.

Cleared

03/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290211

19949577

02/18/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-23):xxxx:  Document was received.   Exception has been cleared. Seller Comment (2021-02-22): Uploaded  Federal LO Compensation (Disclosure)

Reviewer Comment (2021-02-23):xxxx:  Document was received.   Exception has been cleared.

Cleared

02/23/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290233

19951835

02/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $600.00 exceeds tolerance of $460.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-03-09): Corrected CD with credit specified and LOE provided to borrower. Seller Comment (2021-03-08): PCCD Reviewer Comment (2021-03-03): 3/3/2021:  Unable to clear.  The tolerance cure amount of $140 needs to be reflected on Page 2 under "J" "Lender Credit" box.  Exception remains open. Seller Comment (2021-03-01): Please re-review. Cure on final CD. Summaries of Transaction, lender cure for $140.

Reviewer Comment (2021-03-09): Corrected CD with credit specified and LOE provided to borrower. Reviewer Comment (2021-03-03): 3/3/2021:  Unable to clear.  The tolerance cure amount of $140 needs to be reflected on Page 2 under "J" "Lender Credit" box.  Exception remains open.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302290233

19958441

02/19/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-03-09): Borrower acknowledgment provided. Seller Comment (2021-03-08): Earlier Appraisal and Appraisal delivery for xxxx appraisal. Reviewer Comment (2021-03-03): 3/3/2021:  Unable to clear.   The appraisal is dated on xxxx.  Need delivery certification for xxxx report.  Exception remains open. Seller Comment (2021-03-01): Appraisal delivery

Reviewer Comment (2021-03-09): Borrower acknowledgment provided. Reviewer Comment (2021-03-03): 3/3/2021:  Unable to clear.   The appraisal is dated on xxxx.  Need delivery certification for xxxx report.  Exception remains open.

Cleared

03/09/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290233

19961547

02/19/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-03-04): Received the xxxx desk review. Seller Comment (2021-03-03): CDA uploaded

Reviewer Comment (2021-03-04): Received the xxxx desk review.

Cleared

03/04/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302290307

19884532

02/11/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-18): Received disclosure. Seller Comment (2021-02-18): MLO

Reviewer Comment (2021-02-18): Received disclosure.

Cleared

02/18/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290307

19884534

02/11/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-22): Electronic delivery documented. Seller Comment (2021-02-19): Re Review: Evidence of recite of initial CD dated xxxxeceived 3 days prior to closing date of xxxx. Evidence found on page 66.

Reviewer Comment (2021-02-22): Electronic delivery documented.

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290307

19884536

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,549.60 exceeds tolerance of $1,543.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-02-22): Changed circumstance documentation provided. Seller Comment (2021-02-19): Re Review: Change of Circumstance for increase of discount points from $1,543.10 to $1,549.60 is evident in file page 124.

Reviewer Comment (2021-02-22): Changed circumstance documentation provided.

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290307

19884538

02/11/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-22): Disbursement date confirmed on final CD. Seller Comment (2021-02-19): Re Review: RTC expiration date is xxxx, Final CD/disbursement date isxxxxore than (3) business days from transaction date of xxxx. Recession period met.

Reviewer Comment (2021-02-22): Disbursement date confirmed on final CD.

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290281

19939853

02/17/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-19): Provided LO Compensation disclosure Seller Comment (2021-02-18): MLO

Reviewer Comment (2021-02-19): Provided LO Compensation disclosure

Cleared

02/19/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290304

19933125

02/17/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-26): Inspection datedxxxxndicates no damage. Seller Comment (2021-02-25): PDI Provided

Reviewer Comment (2021-02-26): Inspection datedxxxxndicates no damage.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290304

19934038

02/17/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-20): Provided LO compensation Disclosure Seller Comment (2021-02-19): MLO

Reviewer Comment (2021-02-20): Provided LO compensation Disclosure

Cleared

02/20/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290304

19935791

02/17/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-02-26): Borrower acknowledgment provided. Seller Comment (2021-02-25): Uploaded PCCD.

Reviewer Comment (2021-02-26): Borrower acknowledgment provided.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290304

19935792

02/17/2021

Compliance

Federal Compliance

RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application

RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.

Reviewer Comment (2021-02-26): Lender attests that app date for compliance is xxxxnd 1003 is signed by borrower on that date. Seller Comment (2021-02-25): See uploaded initial 1003 dated xxxx.

Reviewer Comment (2021-02-26): Lender attests that app date for compliance is xxxxnd 1003 is signed by borrower on that date.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290304

19935869

02/17/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-02-26): Borrower acknowledgment provided. Seller Comment (2021-02-25): Disregard previous comment. Uploaded Notice of Right to Receive appraisal. Seller Comment (2021-02-25): Initial 1003

Reviewer Comment (2021-02-26): Borrower acknowledgment provided.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302288927

19929685

02/16/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-26):xxxx:  Post disaster inspection was received.   Exception has been cleared.

Reviewer Comment (2021-02-26):xxxx:  Post disaster inspection was received.   Exception has been cleared.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288927

19929789

02/16/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-20): Provided LO compensation Disclosure Seller Comment (2021-02-19): MLO

Reviewer Comment (2021-02-20): Provided LO compensation Disclosure

Cleared

02/20/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302288927

19929797

02/16/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-9,112.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-12,744.00. (9300)

Reviewer Comment (2021-02-26): Changed circumstance documentation provided. Seller Comment (2021-02-25): COC

Reviewer Comment (2021-02-26): Changed circumstance documentation provided.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305740

19960883

02/19/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-26):xxxx:  Document has been received.   Exception has been cleared. Seller Comment (2021-02-24): MLO

Reviewer Comment (2021-02-26):xxxx:  Document has been received.   Exception has been cleared.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302305740

19960906

02/19/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-03-09): PCCD and LOE provided to revise disbursement date. Seller Comment (2021-03-08): Final settlement statement, LOE and PCCD

Reviewer Comment (2021-03-09): PCCD and LOE provided to revise disbursement date.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302303204

19560242

01/14/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-02-10): Lease provided. Buyer Comment (2021-02-09): lease attached Reviewer Comment (2021-02-08): Tax returns provided.  Lease agreement required in order to use rental income. Buyer Comment (2021-02-04): CPA Letter 2019 income attached

Reviewer Comment (2021-02-10): Lease provided. Reviewer Comment (2021-02-08): Tax returns provided.  Lease agreement required in order to use rental income.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303204

19560252

01/14/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-10): Gap letter provided. Buyer Comment (2021-02-09): see attached

Reviewer Comment (2021-02-10): Gap letter provided.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303204

19560253

01/14/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-10): Gap letter provided. Buyer Comment (2021-02-09): see attached

Reviewer Comment (2021-02-10): Gap letter provided.

Cleared

02/10/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302303204

19622118

01/21/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-10): VOE provided. Buyer Comment (2021-02-08): VVOE Current employment attached Buyer Comment (2021-02-08): VOE previous employment

Reviewer Comment (2021-02-10): VOE provided.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303204

19622508

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $149.00 exceeds tolerance of $90.00.  Insufficient or no cure was provided to the borrower. (7520)

Reviewer Comment (2021-02-10): Cure docs and evidence of curtailment provided. Buyer Comment (2021-02-08): Pay History showing Principal reduction. Reviewer Comment (2021-02-01): xxxx received Corrected CD datedxxxxnd Edisclosure tracking datedxxxxevidence of principal reduction applied to the loan was not provided, screenshot provided indicated loan amount of $xxxx, no principal reduction applied.  Please provide evidence the Principal reduction was applied to the loan amount. Buyer Comment (2021-01-30): Uploaded PCCD, LOE and tracking

Reviewer Comment (2021-02-10): Cure docs and evidence of curtailment provided. Reviewer Comment (2021-02-01): xxxx received Corrected CD datedxxxxnd Edisclosure tracking datedxxxxevidence of principal reduction applied to the loan was not provided, screenshot provided indicated loan amount of $xxxx, no principal reduction applied.  Please provide evidence the Principal reduction was applied to the loan amount.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302303204

19877768

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $149.00 exceeds tolerance of $90.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7520)

Reviewer Comment (2021-02-10): xxxx received corrected PCCD showing principal reduction of $59 on page 3, LOE to borrower, pay history showing $59 principal reduction was applied to loan balance, and eDisclosure tracking dated xxxx0% tolerance violation for credit report fee has been cured.

Reviewer Comment (2021-02-10): xxxx received corrected PCCD showing principal reduction of $59 on page 3, LOE to borrower, pay history showing $59 principal reduction was applied to loan balance, and eDisclosure tracking dated xxxx0% tolerance violation for credit report fee has been cured.

Cured

N

3

2

B

B

B

B

B

302306977

20011289

02/24/2021

Compliance

State Compliance

Illinois SB 1894

IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.

Reviewer Comment (2021-03-12): Illinois certificate of compliance provided and associated. Seller Comment (2021-03-11): Recorded DOT with attached certificate

Reviewer Comment (2021-03-12): Illinois certificate of compliance provided and associated.

Cleared

03/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306977

20027155

02/25/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-03-01): Received disclosure. Seller Comment (2021-02-26): LO comp

Reviewer Comment (2021-03-01): Received disclosure.

Cleared

03/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302304067

19800851

02/06/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-03-04): Disclosure provided. Seller Comment (2021-03-03): Disclosure

Reviewer Comment (2021-03-04): Disclosure provided.

Cleared

03/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302304067

20172589

03/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,000.00 exceeds tolerance of $635.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-03-10): Broker credit for an Appraisal fee of $365 provided and it does entitle the borrower to a refund.

Reviewer Comment (2021-03-10): Broker credit for an Appraisal fee of $365 provided and it does entitle the borrower to a refund.

Cleared

03/10/2021

N

3

1

A

A

A

A

A

302320912

19618175

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,000.00 exceeds tolerance of $500.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-09): Lender explanation provided. Buyer Comment (2021-02-05): Uploaded LOE Reviewer Comment (2021-02-03): Appraisal is dated xxxxwhich is 12 days prior to the xxxxOC. Unable to determine when lender was made aware of appraisal fee increase due to complexity. Please provide clarification of when lender became aware of the appraisal fee increase. Buyer Comment (2021-02-01): Uploaded COC

Reviewer Comment (2021-02-09): Lender explanation provided. Reviewer Comment (2021-02-03): Appraisal is dated xxxxwhich is 12 days prior to the xxxxOC. Unable to determine when lender was made aware of appraisal fee increase due to complexity. Please provide clarification of when lender became aware of the appraisal fee increase.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320912

19667669

01/26/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-04): Borrower acknowledgment provided. Buyer Comment (2021-02-01): Uploaded appraisal receipt/waiver

Reviewer Comment (2021-02-04): Borrower acknowledgment provided.

Cleared

02/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302320912

19667694

01/26/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx, Address: xxxx, Address: xxxx Other Other HOA Verification, Insurance Verification, Tax Verification

Reviewer Comment (2021-02-10): REO docs provided. Buyer Comment (2021-02-09): see attachment. Reviewer Comment (2021-02-09): Unable to locate additional REO documents in most recent upload. Buyer Comment (2021-02-05): HOA, Taxes, Insurance for rental properties attached

Reviewer Comment (2021-02-10): REO docs provided. Reviewer Comment (2021-02-09): Unable to locate additional REO documents in most recent upload.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305703

No Finding

Loan Completed Without Finding

Review Complete

01/24/2021

1

1

302305701

19982379

02/23/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-26): Received the lender's LO Compensation attestation. Seller Comment (2021-02-25): LO comp attestation

Reviewer Comment (2021-02-26): Received the lender's LO Compensation attestation.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302314935

19809223

02/08/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,359.10 exceeds tolerance of $3,893.00 plus 10% or $4,282.30.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-03-01): xxxx received PCCD within 60 days of consummation correcting fees. Seller Comment (2021-02-22): Per lender: Please see attached PCCD that shows we do not exceed the 10% violation fee in section C. The amount of $3,478 does not exceed. This pccd was provided in the shipment package sent.

Reviewer Comment (2021-03-01): xxxx received PCCD within 60 days of consummation correcting fees.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314935

19809224

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $13,075.40 exceeds tolerance of $12,670.00.  Insufficient or no cure was provided to the borrower. (73109)

Reviewer Comment (2021-03-01): xxxx received 11/20 VCC. Seller Comment (2021-02-22): Uploaded LE and COC

Reviewer Comment (2021-03-01): xxxx received 11/20 VCC.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314935

19809296

02/08/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-12): Disclosure provided. Seller Comment (2021-02-12): MLO

Reviewer Comment (2021-02-12): Disclosure provided.

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302306401

19962272

02/19/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-03-15): The processor signed and dated three Appraisal Delivery Certification documents dated 12/7/20, xxxxndxxxx And the borrowers signed and dated Notice of Right to Receive Copy of Appraisal Report at closing onxxxxtating they had received a copy of the appraisal. Seller Comment (2021-03-12): Appraisal update/completion report.  Per lender: appraisal dated xxxx please clear  - 1/4 was a typo Reviewer Comment (2021-03-09): 3/9/2021:  Unable to clear.  Appraisal delivery is 1/4/2021.   Valuation report date is xxxx. No earlier appraisal reviews are in the file.  Appraisal provided before completion.   Exception remains open. Seller Comment (2021-03-08): Appraisal delivery

Reviewer Comment (2021-03-15): The processor signed and dated three Appraisal Delivery Certification documents dated 12/7/20, xxxxndxxxx And the borrowers signed and dated Notice of Right to Receive Copy of Appraisal Report at closing onxxxxtating they had received a copy of the appraisal. Reviewer Comment (2021-03-09): 3/9/2021:  Unable to clear.  Appraisal delivery is 1/4/2021.   Valuation report date is xxxx. No earlier appraisal reviews are in the file.  Appraisal provided before completion.   Exception remains open.

Cleared

03/15/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302306401

19962273

02/19/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-03-09): 3/9/2021:   Received the Corrected CD and Letter of Explanation.   Exception has been cured. Seller Comment (2021-03-08): PCCD

Reviewer Comment (2021-03-09): 3/9/2021:   Received the Corrected CD and Letter of Explanation.   Exception has been cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302306401

19977937

02/22/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-03-11): CDA provided and entered and associated. Seller Comment (2021-03-10): CDA attached Reviewer Comment (2021-03-03): CU score documented in file is 4.0 Seller Comment (2021-03-02): This is a Jumbo Express loan and a CDA is not required.

Reviewer Comment (2021-03-11): CDA provided and entered and associated. Reviewer Comment (2021-03-03): CU score documented in file is 4.0

Cleared

03/11/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302314347

19959686

02/19/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-26):xxxx:  Document has been received.  Exception has been cleared. Seller Comment (2021-02-24): MLO

Reviewer Comment (2021-02-26):xxxx:  Document has been received.  Exception has been cleared.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302314347

19959687

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,050.00 exceeds tolerance of $635.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-03-18):xxxx:  Received the Corrected CD and the Letter of Explanation to the borrower. Seller Comment (2021-03-17): Lender cured at closing but disclosed cure of $415 in the wrong section (page 3 section L) The FSS evidences the cure amount was included with disbursement; attached is the corrected PCCD showing the cure amount disclosed on page 2 section J along with COC as this was a clerical issue.  Please review and amend Reviewer Comment (2021-03-10): Received a Settlement Statement which verifies the borrower paid $1,050.00 for the Appraisal Fee, and a lender explanation that that the broker cured this exception on the Final CD. However, the broker credit was disclosed on Page 3 in the Summaries of Transactions instead of the broker paying $415.00 of the Appraisal Fee in Column 3 on page 2. The following is required to cure this exception: Letter of Explanation, Proof of Delivery, Copy of Refund Check for $415.00 and Corrected CD Seller Comment (2021-03-08): ALTA settlement statement and LOE

Reviewer Comment (2021-03-18):xxxx:  Received the Corrected CD and the Letter of Explanation to the borrower. Reviewer Comment (2021-03-10): Received a Settlement Statement which verifies the borrower paid $1,050.00 for the Appraisal Fee, and a lender explanation that that the broker cured this exception on the Final CD. However, the broker credit was disclosed on Page 3 in the Summaries of Transactions instead of the broker paying $415.00 of the Appraisal Fee in Column 3 on page 2. The following is required to cure this exception: Letter of Explanation, Proof of Delivery, Copy of Refund Check for $415.00 and Corrected CD

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302314347

20266174

03/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,050.00 exceeds tolerance of $635.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-03-18):xxxx:  Received the Corrected CD and Letter of Explanation to the borrower.   Exception has been cured.

Reviewer Comment (2021-03-18):xxxx:  Received the Corrected CD and Letter of Explanation to the borrower.   Exception has been cured.

Cured

N

3

2

B

B

B

B

B

302307697

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302314790

19959627

02/19/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-26):xxxx:  Document has been received.  Exception has been cleared. Seller Comment (2021-02-25): Uploaded LO/Comp disclosure. Seller Comment (2021-02-24): MLO

Reviewer Comment (2021-02-26):xxxx:  Document has been received.  Exception has been cleared.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302314790

19961192

02/19/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-03-19): Borrower acknowledged receipt of appraisal in an e-mail.  Later delivery was for a clerical change not affecting value. Reviewer Comment (2021-03-16): Appraisal delivery: Appraisal notice reflects appraisal was via email on xxxx however date of Appraisal report is xxxx Seller Comment (2021-03-15): Appraisal delivery, transfer letter, UCD

Reviewer Comment (2021-03-19): Borrower acknowledged receipt of appraisal in an e-mail.  Later delivery was for a clerical change not affecting value. Reviewer Comment (2021-03-16): Appraisal delivery: Appraisal notice reflects appraisal was via email on xxxx however date of Appraisal report is xxxx

Cleared

03/19/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302314346

19967962

02/22/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-26):xxxx:  Document has been received.  Exception has been cleared. Seller Comment (2021-02-24): MLO

Reviewer Comment (2021-02-26):xxxx:  Document has been received.  Exception has been cleared.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302314346

19967963

02/22/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $7,220.13  is less than amount of binding Lender Credit previously disclosed in the amount of $-6,461.00. (9300)

Reviewer Comment (2021-03-12): Upon further review, this exception has been cleared. Lender credit of -$7220.13 was captured in the cure box instead of the lender credit box. Seller Comment (2021-03-10): LOE and Lock

Reviewer Comment (2021-03-12): Upon further review, this exception has been cleared. Lender credit of -$7220.13 was captured in the cure box instead of the lender credit box.

Cleared

03/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314657

19567849

01/15/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-08): Replacement cost estimate provided. Buyer Comment (2021-02-04): Hazard Coverage attached

Reviewer Comment (2021-02-08): Replacement cost estimate provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314657

19567875

01/15/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-02-08): Coverage effective prior to disbursement. Buyer Comment (2021-02-04): Updated CD attached

Reviewer Comment (2021-02-08): Coverage effective prior to disbursement.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314657

19663119

01/25/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-02-01): Express program confirmed.  DU findings to not require verification of rent. Buyer Comment (2021-01-28): this is under the jumbo express program that follows the DU for housing verification.  The DU did not request a rental verification. Thanks

Reviewer Comment (2021-02-01): Express program confirmed.  DU findings to not require verification of rent.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314949

20020886

02/25/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-03-08): Upon further review, this exception has been cleared. File contains proof the final appraisal dated xxxx was provided on xxxx.

Reviewer Comment (2021-03-08): Upon further review, this exception has been cleared. File contains proof the final appraisal dated xxxx was provided on xxxx.

Cleared

03/08/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302314949

20022921

02/25/2021

Compliance

Federal Compliance

Right of Rescission Timing - Note Date used as Transaction Date

Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

Reviewer Comment (2021-03-12): Notary date not required in GA. Seller Comment (2021-03-11): Per Lender:  Thank you for the clarification. Per title, based on the Deed they received, there was not a space for the notary date to be added. If this did not record yet, how would you like this corrected? Can the date be added by the notary? If this recorded already without the notary, how should we proceed? An intent to re record be provided? Please advise to take the correct direction and to avoid delays. Thank you! Reviewer Comment (2021-03-08): File contains 2 Security Deeds and neither have a Notary date. The Notary Acknowledgement is on page 15. Exception remains. Seller Comment (2021-03-05): Re Review: Notary acknowledgement is dated xxxx page 13. RTC transaction date is xxxx, expiration datexxxxFinal CD disbursement date is xxxx.

Reviewer Comment (2021-03-12): Notary date not required in GA. Reviewer Comment (2021-03-08): File contains 2 Security Deeds and neither have a Notary date. The Notary Acknowledgement is on page 15. Exception remains.

Cleared

03/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302314949

20022979

02/25/2021

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2021-03-08): Upon further review, this exception has been cleared. This is a broker loan; a separate lender's 1003 is not required.

Reviewer Comment (2021-03-08): Upon further review, this exception has been cleared. This is a broker loan; a separate lender's 1003 is not required.

Cleared

03/08/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302329350

19798544

02/05/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-02-24): Coverage coincides with disbursement. Seller Comment (2021-02-23): PCCD uploaded

Reviewer Comment (2021-02-24): Coverage coincides with disbursement.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329350

19799600

02/05/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,615.40 exceeds tolerance of $3,274.00 plus 10% or $3,601.40.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-16): Cure was provided at closing

Reviewer Comment (2021-02-16): Cure was provided at closing

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329350

19799601

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee.  Fee Amount of $62.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77185)

Reviewer Comment (2021-02-16): Borrower did not choose service provider from SSPL Seller Comment (2021-02-12): Re Review: SubEscrow Fee. of $ 62.50 is not subject to a tolerance. Borrower did not choose servicer from the service provider list.

Reviewer Comment (2021-02-16): Borrower did not choose service provider from SSPL

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329350

19837365

02/08/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx, Address: xxxx Tax Verification Insurance Verification

Reviewer Comment (2021-02-24): Documentation provided for xxxx, Seller Comment (2021-02-23): Mtg statement uploaded

Reviewer Comment (2021-02-24): Documentation provided for xxxx,

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316127

19569703

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $525.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-16): Provided PCCD, LOE, and pay history for principal reduction for $2.00 Buyer Comment (2021-02-11): Loan funded with cure. No check to provide. See Final Settlement statement - Lender cure for $200.00 Reviewer Comment (2021-02-05): xxxx received PCCD and LOE; copy of refund check is still required to cure. Buyer Comment (2021-02-01): PCCD

Reviewer Comment (2021-02-16): Provided PCCD, LOE, and pay history for principal reduction for $2.00 Reviewer Comment (2021-02-05): xxxx received PCCD and LOE; copy of refund check is still required to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302316127

19675080

01/26/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $80.00 plus 10% or $88.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-16): Provided PCCD, LOE, and pay history for principal reduction for $2.00 Buyer Comment (2021-02-11): Tracking for CD delivery Buyer Comment (2021-02-11): Pay history showing PR Reviewer Comment (2021-02-05): xxxx received PCCD and LOE. Proof of mailing and screenshot of system of record showing application of principal reduction to cure is still required. Buyer Comment (2021-02-01): PCCD/principal reduction info uploaded

Reviewer Comment (2021-02-16): Provided PCCD, LOE, and pay history for principal reduction for $2.00 Reviewer Comment (2021-02-05): xxxx received PCCD and LOE. Proof of mailing and screenshot of system of record showing application of principal reduction to cure is still required.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302316127

19913020

02/16/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $80.00 plus 10% or $88.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (0)

Reviewer Comment (2021-02-16): Provided PCCD, LOE, and pay history for principal reduction for $2.00

Reviewer Comment (2021-02-16): Provided PCCD, LOE, and pay history for principal reduction for $2.00

Cured

N

3

2

B

B

B

B

B

302316127

19913021

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $525.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-02-16): Provided PCCD, LOE, and pay history for principal reduction for $2.00

Reviewer Comment (2021-02-16): Provided PCCD, LOE, and pay history for principal reduction for $2.00

Cured

N

3

2

B

B

B

B

B

302316460

19967632

02/22/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-03-08): Received a Post-closing CD and LOE dated xxxx to verify the final closing date of xxxx. Seller Comment (2021-03-05): PCCD, LOE, final settlement statement and disclosure tracking Reviewer Comment (2021-02-26): Right to Cancel was executed by the borrowers on xxxx. The document date was changed to xxxx and the rescission period expiration was changed to xxxx with the changes initialed by the borrowers. The Initial CD dated xxxx (which disclosed a disbursement date of xxxx) was electronically signed by the borrowers on xxxx. However, the Final Closing Disclosure signed by the borrowers on xxxx disclosed a disbursement date of xxxx, providing the borrowers with no rescission period. Seller Comment (2021-02-25): Re Review: RTC expiration date isxxxxCD Dated 1/5/21 has a disbursement date ofxxxxRescission period met.

Reviewer Comment (2021-03-08): Received a Post-closing CD and LOE dated xxxx to verify the final closing date of xxxx. Reviewer Comment (2021-02-26): Right to Cancel was executed by the borrowers on xxxx. The document date was changed to xxxx and the rescission period expiration was changed to xxxx with the changes initialed by the borrowers. The Initial CD dated xxxx (which disclosed a disbursement date of xxxx) was electronically signed by the borrowers on xxxx. However, the Final Closing Disclosure signed by the borrowers on xxxx disclosed a disbursement date of xxxx, providing the borrowers with no rescission period.

Cleared

03/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302317886

19929569

02/16/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-20): Provided LO compensation Disclosure Seller Comment (2021-02-19): MLO

Reviewer Comment (2021-02-20): Provided LO compensation Disclosure

Cleared

02/20/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302317886

19929574

02/16/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-8,174.00. (9300)

Reviewer Comment (2021-03-05): 3/5/2021:  Received the Final CD.  Exception has been cleared. Seller Comment (2021-03-01): CD and xxxx

Reviewer Comment (2021-03-05): 3/5/2021:  Received the Final CD.  Exception has been cleared.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302317886

19929576

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $8,770.00 exceeds tolerance of $8,650.00.  Insufficient or no cure was provided to the borrower. (73109)

Reviewer Comment (2021-03-05): 3/5/2021:  Received the LE and valid change of circumstance.   Exception has been cleared. Seller Comment (2021-03-01): LE and COC

Reviewer Comment (2021-03-05): 3/5/2021:  Received the LE and valid change of circumstance.   Exception has been cleared.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302317886

19935522

02/17/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-03-09): 3/9/2021:  Reviewed the initial valuation.  Borrower received a copy of the xxxx valuation.   Exception has been cleared. Seller Comment (2021-03-08): Appraisal

Reviewer Comment (2021-03-09): 3/9/2021:  Reviewed the initial valuation.  Borrower received a copy of the 12/9/2020 valuation.   Exception has been cleared.

Cleared

03/09/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302326568

19885930

02/11/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-22): xxxx: Appraisal acknowledgement signed at Closing. Seller Comment (2021-02-19): Uploaded verification of appraisal delivery

Reviewer Comment (2021-02-22): xxxx: Appraisal acknowledgement signed at Closing.

Cleared

02/22/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302336610

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302332677

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302410464

19954809

02/19/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-04): Primary and secondary employment verified. Seller Comment (2021-03-03): VOE uploaded

Reviewer Comment (2021-03-04): Primary and secondary employment verified.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410464

19955025

02/19/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-03-09): CDA provided with a 0% variance. Seller Comment (2021-03-08): CDA uploaded

Reviewer Comment (2021-03-09): CDA provided with a 0% variance.

Cleared

03/09/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302410464

19955046

02/19/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only, W-2 (2019)

Reviewer Comment (2021-03-17): 2019 W-2 provided and associated. Seller Comment (2021-03-16): W2 uploaded Reviewer Comment (2021-03-15): No 2019 W-2 found in file for xxxx.  Only uploads were for a VVOE and a CDA. Seller Comment (2021-03-12): W2 uploaded

Reviewer Comment (2021-03-17): 2019 W-2 provided and associated. Reviewer Comment (2021-03-15): No 2019 W-2 found in file for xxxx.  Only uploads were for a VVOE and a CDA.

Cleared

03/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302371068

20145482

03/08/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-03-11): Disclosure provided. Seller Comment (2021-03-10): mlo

Reviewer Comment (2021-03-11): Disclosure provided.

Cleared

03/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302371068

20145640

03/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-03-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-03-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302129930

19937650

02/17/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-19): Provided the recent Closing Disclosure from Refinance. 2/1/2021 Seller Comment (2021-02-18): REO documents

Reviewer Comment (2021-02-19): Provided the recent Closing Disclosure from Refinance. 2/1/2021

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302129930

19937820

02/17/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $525,269.84 is less than Cash From Borrower $719,244.04.

Reviewer Comment (2021-02-19): Provided the signed and dated Closing Disclosure from recent refinance of Primary.xxxx. Seller Comment (2021-02-18): REO documents

Reviewer Comment (2021-02-19): Provided the signed and dated Closing Disclosure from recent refinance of Primary.xxxx.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302129930

19937862

02/17/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-19): Provided the HOA Policy with the Borrowers listed as unit owners.xxxx Seller Comment (2021-02-18): This is a PUD property. Please see master policy and H03. Both coverages amount for the interior and exterior is more than enough coverage on the property.

Reviewer Comment (2021-02-19): Provided the HOA Policy with the Borrowers listed as unit owners.xxxx

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302423681

19951672

02/18/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-11): VVOE for xxxx provided. Exception has been cleared. Seller Comment (2021-03-10): VVOE xxxx attached Reviewer Comment (2021-03-03): 3/3/2021:  Unable to clear.   Received the VVOE for xxxx only.    Missing the VVOE for xxxx within 5 business days prior to closing.  Exception remains open. Seller Comment (2021-03-01): VVOE provided

Reviewer Comment (2021-03-11): VVOE for xxxx provided. Exception has been cleared. Reviewer Comment (2021-03-03): 3/3/2021:  Unable to clear.   Received the VVOE for xxxx only.    Missing the VVOE for xxxx within 5 business days prior to closing.  Exception remains open.

Cleared

03/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302423681

19951699

02/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $825.00 exceeds tolerance of $575.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302423681

19951703

02/18/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-03-03): 3/3/2021:  Received 2nd appraisal.  Exception has been cleared. Seller Comment (2021-03-01): Appraisal uploaded

Reviewer Comment (2021-03-03): 3/3/2021:  Received 2nd appraisal.  Exception has been cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303705

19250991

xxxx  6:25:05 PM

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.00990% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-01-19): Lender calculations provided for commercial REO.  Acceptable.

Reviewer Comment (2021-01-19): Lender calculations provided for commercial REO.  Acceptable.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303705

19250992

xxxx  6:25:05 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-01-19): Lender calculations provided for commercial REO.  Acceptable. Buyer Comment (2021-01-14): rental calc uploaded

Reviewer Comment (2021-01-19): Lender calculations provided for commercial REO.  Acceptable.

Cleared

01/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302303705

19250993

xxxx  6:25:05 PM

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-01-19): Lender calculations provided for commercial REO.  Acceptable. Buyer Comment (2021-01-14): Rental calc uploaded Reviewer Comment (2021-01-12): Concur on income, other debt and PITIA for primary and second home.  Please provide full calculation as to how lender arrived at their rental loss figure for xxxx. Buyer Comment (2021-01-06): Lender calculation and LOX

Reviewer Comment (2021-01-19): Lender calculations provided for commercial REO.  Acceptable. Reviewer Comment (2021-01-12): Concur on income, other debt and PITIA for primary and second home.  Please provide full calculation as to how lender arrived at their rental loss figure for xxxx.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303705

19251016

xxxx  6:30:32 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 46.00990% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-01-19): Lender calculations provided for commercial REO.  Acceptable. Reviewer Comment (2020-12-31): Please provided detailed lender calculations/justification for their rent loss figure on the commercial property. Buyer Comment (2020-12-22): explanation uploaded from lender on calculation of DTI.

Reviewer Comment (2021-01-19): Lender calculations provided for commercial REO.  Acceptable. Reviewer Comment (2020-12-31): Please provided detailed lender calculations/justification for their rent loss figure on the commercial property.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303705

19251025

xxxx  6:33:09 PM

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-01-19): Lender calculations provided for commercial REO.  Acceptable.

Reviewer Comment (2021-01-19): Lender calculations provided for commercial REO.  Acceptable.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331173

No Finding

Loan Completed Without Finding

Review Complete

02/04/2021

1

1

302372424

19797627

02/05/2021

Credit

Document Error

Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.

Borrower: xxxx

Reviewer Comment (2021-02-19): Provided Perm resident card Seller Comment (2021-02-18): Perm Resident Alien Cards

Reviewer Comment (2021-02-19): Provided Perm resident card

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372424

19797927

02/05/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx 1040 (2018), 1040 (2019), W-2 (2018), W-2 (2019) 1040 (2018), 1040 (2019), W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-26): Received the missing income documentation.

Reviewer Comment (2021-02-26): Received the missing income documentation.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302260948

19722003

01/29/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 Transcript (2019)

Reviewer Comment (2021-02-05): Received 2 years W-2 and W-2 transcripts. Seller Comment (2021-02-02): W2 AND TRANSCRIPTS

Reviewer Comment (2021-02-05): Received 2 years W-2 and W-2 transcripts.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259731

19593949

01/20/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-05): Received final title with sufficient coverage. Seller Comment (2021-02-03): title

Reviewer Comment (2021-02-05): Received final title with sufficient coverage.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259731

19593955

01/20/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-02-05): Received final title.

Reviewer Comment (2021-02-05): Received final title.

Cleared

02/05/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302326580

19644546

01/22/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-02): Received 2 years tax returns reflecting Schedule C income.  Income was positive and not used. Seller Comment (2021-01-29): RETURNS AND Profit and Loss Statement/ BALANCE SHEET

Reviewer Comment (2021-02-02): Received 2 years tax returns reflecting Schedule C income.  Income was positive and not used.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302326580

19644826

01/22/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Tax Verification

Reviewer Comment (2021-02-02): Received missing REO dcos. Seller Comment (2021-01-29): xxxx

Reviewer Comment (2021-02-02): Received missing REO dcos.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302326580

19644945

01/22/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-09): Client acknowledged based on the borrower's credit history and post closing VVOE showing borrower was still employed.

Reviewer Comment (2021-02-09): Client acknowledged based on the borrower's credit history and post closing VVOE showing borrower was still employed.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by at least 40 points.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302394078

19809195

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rush Fee.  Fee Amount of $300.00 exceeds tolerance of $250.00.  Sufficient or excess cure was provided to the borrower at Closing. (7543)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302326652

19668228

01/26/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 4,216.63 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-05): xxxx received a PCCD correcting non escrowed property costs and LOE. Seller Comment (2021-02-02): PC CD and LOE

Reviewer Comment (2021-02-05): xxxx received a PCCD correcting non escrowed property costs and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302326652

19697943

01/28/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2019)

Reviewer Comment (2021-02-09): Received W-2. Seller Comment (2021-02-01): W2's

Reviewer Comment (2021-02-09): Received W-2.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302326652

19699099

01/28/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-02-09): Received missing REO docs. Seller Comment (2021-02-01): REO documents

Reviewer Comment (2021-02-09): Received missing REO docs.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338276

No Finding

Loan Completed Without Finding

Review Complete

02/01/2021

1

1

302278912

19946821

02/18/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans

TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxx did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/xxxx)

Reviewer Comment (2021-03-11):xxxx:   Brokered loan.   Exception is clear. Seller Comment (2021-03-08): Please escalate to your compliance department. This is a brokered loan and the lender's email and telephone contact information is adequate on the CD as the broker's(originator) full contact information was provided Reviewer Comment (2021-03-08): The Post-closing CD dated xxxx did not correct the Lender's Contact Name and NMLS ID number. Both fields are still blank; exception remains. Seller Comment (2021-03-02): LOE and PCCD

Reviewer Comment (2021-03-11):xxxx:   Brokered loan.   Exception is clear. Reviewer Comment (2021-03-08): The Post-closing CD dated xxxx did not correct the Lender's Contact Name and NMLS ID number. Both fields are still blank; exception remains.

Cleared

03/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302278912

19946838

02/18/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 1,320.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-08): Received verification that the HOA dues are $120.00 per month. Seller Comment (2021-03-02): HOA doc

Reviewer Comment (2021-03-08): Received verification that the HOA dues are $120.00 per month.

Cleared

03/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278912

19946874

02/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Commitment Fee.  Fee Amount of $970.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7368)

Reviewer Comment (2021-03-11): xxxx received lender attestation that  underwrite fee and commitment fee are same. Seller Comment (2021-03-08): Please escalate this to your compliance department as this was a clerical error with the name fee which is still categorized as an origination fee in section A. Please have compliance review the lender's LOX that was uploaded and is located in the trailing docs. Reviewer Comment (2021-03-08): The Initial Loan Estimate disclosed an Underwriting Fee of $970.00 in Section A however, the Closing Disclosures disclosed a Commitment Fee of $970.00 Section A without a valid COC for the reason why the fee name changed. A valid COC or Letter of Explanation, Proof of Delivery, Copy of Refund Check for $970.00, and Corrected CD are required to rereview this exception. Seller Comment (2021-03-02): LOE

Reviewer Comment (2021-03-11): xxxx received lender attestation that  underwrite fee and commitment fee are same. Reviewer Comment (2021-03-08): The Initial Loan Estimate disclosed an Underwriting Fee of $970.00 in Section A however, the Closing Disclosures disclosed a Commitment Fee of $970.00 Section A without a valid COC for the reason why the fee name changed. A valid COC or Letter of Explanation, Proof of Delivery, Copy of Refund Check for $970.00, and Corrected CD are required to rereview this exception.

Cleared

03/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228013

19384365

xxxx  1:53:32 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Amount Financed

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan. (Final/xxxx)

Reviewer Comment (2021-01-28): xxxx received  Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission. Buyer Comment (2021-01-25): Rxxxx

Reviewer Comment (2021-01-28): xxxx received  Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302228013

19384366

xxxx  1:53:32 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-01-28): xxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2021-01-25): Check & NRTC&UPS Label uploaded

Reviewer Comment (2021-01-28): xxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302228013

19384367

xxxx  1:53:32 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $625.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower. (7506)

Reviewer Comment (2020-12-30): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2020-12-30): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302228013

19384441

xxxx  2:00:54 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-01-19): VOE's provided. Buyer Comment (2021-01-14): VVOE uploaded

Reviewer Comment (2021-01-19): VOE's provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228013

19384446

xxxx  2:01:05 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Paystubs, VVOE - Employment Only

Reviewer Comment (2021-01-19): VOE's and paystubs provided. Buyer Comment (2021-01-14): paystubs uploaded

Reviewer Comment (2021-01-19): VOE's and paystubs provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228013

19384461

xxxx  2:03:42 PM

Credit

Income Documentation

Income documentation requirements not met.

Reviewer Comment (2021-01-19): VOE's and paystubs provided.

Reviewer Comment (2021-01-19): VOE's and paystubs provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228060

19383752

xxxx  1:10:27 PM

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-01-15): Lease and evidence of rent deposits provided. Buyer Comment (2021-01-12): 12 month bank statements for rent payment attached Buyer Comment (2021-01-12): Month to month rental agreement attached

Reviewer Comment (2021-01-15): Lease and evidence of rent deposits provided.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228060

19383753

xxxx  1:10:27 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-15): Lease and evidence of rent deposits provided.

Reviewer Comment (2021-01-15): Lease and evidence of rent deposits provided.

Cleared

01/15/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302228060

19383851

xxxx  1:18:37 PM

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-01-15): Acceptable explanation provided. Buyer Comment (2021-01-12): Calculation of employment gap-29 days

Reviewer Comment (2021-01-15): Acceptable explanation provided.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228060

19383891

xxxx  1:21:17 PM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-15): Signed and dated explanation provided. Buyer Comment (2021-01-12): Credit inquiries explanation attached

Reviewer Comment (2021-01-15): Signed and dated explanation provided.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404318

19372199

xxxx  1:09:08 PM

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-01-19): Employment, xxxx and education dates documented. Buyer Comment (2021-01-12): VOE xxxx previous employment attached

Reviewer Comment (2021-01-19): Employment, xxxx and education dates documented.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404318

19372300

xxxx  1:15:26 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-19): Employment, xxxx and employment dates documented.

Reviewer Comment (2021-01-19): Employment, xxxx and employment dates documented.

Cleared

01/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302404318

19372309

xxxx  1:16:37 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 18,420.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-12): xxxx received PCCD and LOE; exception is cured. Buyer Comment (2021-01-06): PCCD

Reviewer Comment (2021-01-12): xxxx received PCCD and LOE; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302404318

19372320

xxxx  1:17:25 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $62.00 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower. (7520)

Reviewer Comment (2020-12-29): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2020-12-29): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302404318

19372436

xxxx  1:25:53 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 8.80 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2021-01-08): Verified assets sufficient to meet reserve requirement for Express program. Buyer Comment (2021-01-03): This is underwritten based on Jumbo Express Guidelines V5.  Reserve requirement is the greater of DU Reserves or Program reserves.  The program reserves is 6 Months.  Please remove this condition.

Reviewer Comment (2021-01-08): Verified assets sufficient to meet reserve requirement for Express program.

Cleared

01/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404318

19372437

xxxx  1:25:53 PM

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-19): Employment, prior xxxx xxxx with xxxx during school and education dates documented. Buyer Comment (2021-01-12): xxxx previous employment start and end dates attached

Reviewer Comment (2021-01-19): Employment, prior xxxx xxxx with xxxx during school and education dates documented.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404318

19372438

xxxx  1:25:53 PM

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-19): xxxx provided. Buyer Comment (2021-01-12): xxxx attached

Reviewer Comment (2021-01-19): xxxx provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329346

19947813

02/18/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-26): Received the borrowers 2017 tax return. Seller Comment (2021-02-25): Uploaded tax transcript 2017/return

Reviewer Comment (2021-02-26): Received the borrowers 2017 tax return.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329346

19947815

02/18/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-26): Received the borrowers 2017 tax return. Seller Comment (2021-02-25): Tax returns uploaded

Reviewer Comment (2021-02-26): Received the borrowers 2017 tax return.

Cleared

02/26/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302473857

20100374

03/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $46.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (7200)

Reviewer Comment (2021-03-03): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2021-03-03): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302288864

19263238

xxxx  5:10:25 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,463.40 exceeds tolerance of $2,444.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-01-18): Received PCCD issuedxxxx reflecting a tolerance cure of $19.40, a LOX, copy of refund check and evidence of delivery. Seller Comment (2021-01-13): PCCD LOX CHECK TRACKING Reviewer Comment (2021-01-12): The cure required is $19.40 for the Loan Discount points violation based on $2444.00 baseline and $2463.40 final fee. Buyer Comment (2021-01-06): we don't see a coc for 11/13.  need to confirm the cure amount it is 19.40? Reviewer Comment (2021-01-05): xxxx received 11-12 LE, 11-12 changed circumstance, 11-12 Rate lock and 11-13 Initial CD.  The rate initial locked on the 11-12 LE which matches to the 11-12 changed circumtance and lock-in.  However on the 11-13 Initial CD the discount points increased and rate was not relocked as it has same rate.  Missing copy of the 11-13-20 changed circumstance or cure is required. Seller Comment (2020-12-30): docs needed Reviewer Comment (2020-12-28): xxxx received 11/12 VCC however the 11/12 LE indicates the rate was locked with $2444 Discount Point Fee the fee increased again on the 11/13 LE without a VCC. Please provide VCC if available or please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Seller Comment (2020-12-22): COC

Reviewer Comment (2021-01-18): Received PCCD issuedxxxx reflecting a tolerance cure of $19.40, a LOX, copy of refund check and evidence of delivery. Reviewer Comment (2021-01-12): The cure required is $19.40 for the Loan Discount points violation based on $2444.00 baseline and $2463.40 final fee. Reviewer Comment (2021-01-05): xxxx received 11-12 LE, 11-12 changed circumstance, 11-12 Rate lock and 11-13 Initial CD.  The rate initial locked on the 11-12 LE which matches to the 11-12 changed circumtance and lock-in.  However on the 11-13 Initial CD the discount points increased and rate was not relocked as it has same rate.  Missing copy of the 11-13-20 changed circumstance or cure is required. Reviewer Comment (2020-12-28): xxxx received 11/12 VCC however the 11/12 LE indicates the rate was locked with $2444 Discount Point Fee the fee increased again on the 11/13 LE without a VCC. Please provide VCC if available or please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302405876

19741781

02/02/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-10): Received Seller Comment (2021-02-04): W2's

Reviewer Comment (2021-02-10): Received

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405876

19741815

02/02/2021

Credit

General

Missing Document: HUD/CD (Asset) not provided

Reviewer Comment (2021-02-10): Received Seller Comment (2021-02-04): Final Settlement Statement

Reviewer Comment (2021-02-10): Received

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405876

19741832

02/02/2021

Credit

Asset Documentation

Asset documentation requirements not met.

Reviewer Comment (2021-02-10): Received HUD1 from sale of previous residence, also the $10,000 shows to be a transfer from xxxx Savings D56 - Cleared Seller Comment (2021-02-04): Evidence of large deposit docs.

Reviewer Comment (2021-02-10): Received HUD1 from sale of previous residence, also the $10,000 shows to be a transfer from xxxx Savings D56 - Cleared

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302248360

19585986

01/19/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 818.62 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-26): Corrected CD and LOE provided. Buyer Comment (2021-01-25): PCCD

Reviewer Comment (2021-01-26): Corrected CD and LOE provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302248360

19616250

01/21/2021

Compliance

Miscellaneous Compliance

Other Compliance Exception (Manual Add)

Reviewer Comment (2021-01-26): E-consent documented. Buyer Comment (2021-01-25): E consent

Reviewer Comment (2021-01-26): E-consent documented.

Cleared

01/26/2021

N

3

1

A

A

A

A

A

302336590

19698651

01/28/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx W-2 (2018), W-2 (2019) W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-10): Received missing income docs. Seller Comment (2021-02-04): W2 TRANSCRIPTS

Reviewer Comment (2021-02-10): Received missing income docs.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336590

19698832

01/28/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee.  Fee Amount of $48.95 exceeds tolerance of $30.00.  Sufficient or excess cure was provided to the borrower at Closing. (75208)

Reviewer Comment (2021-01-28): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-28): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320928

19511876

01/11/2021

Compliance

State Compliance

Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided)

Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.

Reviewer Comment (2021-01-14): Provided CO disclosure Seller Comment (2021-01-13): First Lien Refinance Dsiclosure

Reviewer Comment (2021-01-14): Provided CO disclosure

Cleared

01/14/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302320928

19511880

01/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,699.90 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-01-19): Provided COC Seller Comment (2021-01-18): COC

Reviewer Comment (2021-01-19): Provided COC

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302337234

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302330682

19724704

01/30/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $178,856.80 is less than Cash From Borrower $607,094.97.

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence. Seller Comment (2021-02-12): Final CD- REO

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330682

19724733

01/30/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Individual Retirement Account (IRA) / Account Number: xxxx

Reviewer Comment (2021-02-22): Funds not required for closing / reserves. Buyer Comment (2021-02-22): xxxx was not used in qualifying, the xxxx was the IRA account used to qualify. Please re-review the assets on the 1003/1008. Suspense is invalid. Reviewer Comment (2021-02-11): xxxx only has one month statement (Nov 2020). Seller Comment (2021-02-11): Please see asset statements.

Reviewer Comment (2021-02-22): Funds not required for closing / reserves. Reviewer Comment (2021-02-11): xxxx only has one month statement (Nov 2020).

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330682

19724744

01/30/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 56.30227% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence. Seller Comment (2021-02-12): Final CD- REO

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330682

19724745

01/30/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 9.00.

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence. Seller Comment (2021-02-12): Final CD- REO

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330682

19724759

01/30/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence. Seller Comment (2021-02-12): Final CD- REO

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330682

19724760

01/30/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 56.30227% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence. Seller Comment (2021-02-12): Final CD- REO

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330682

19724761

01/30/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,425.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-2,500.00. (9300)

Reviewer Comment (2021-03-03): xxxx received PCCD, LOE, copy of refund check, and proof of mailing; exception is cured. Seller Comment (2021-02-24): Please see PC CD, LOE, Check and UPS tracking info.

Reviewer Comment (2021-03-03): xxxx received PCCD, LOE, copy of refund check, and proof of mailing; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302330682

19729408

02/01/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence. Seller Comment (2021-02-12): Final CD- REO

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence.

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302330682

19729409

02/01/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence. Seller Comment (2021-02-12): Final CD- REO

Reviewer Comment (2021-02-12): Received evidence of sale of departing residence.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327213

19608079

01/21/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-09): Provided replacement cost estimator Seller Comment (2021-02-01): Replacement Cost Estimator Reviewer Comment (2021-01-27): Received same hazard policy.  Please provide a replacement cost estimator. Seller Comment (2021-01-25): Insurance documents

Reviewer Comment (2021-02-09): Provided replacement cost estimator Reviewer Comment (2021-01-27): Received same hazard policy.  Please provide a replacement cost estimator.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327213

19608486

01/21/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx xxxx - Employment Only, xxxx - Income, W-2 (2018), W-2 (2019) xxxx - Employment Only, xxxx - Income, W-2

Reviewer Comment (2021-01-27): Received missing income docs. Seller Comment (2021-01-25): Income documents

Reviewer Comment (2021-01-27): Received missing income docs.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327213

19612982

01/21/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-01-27): Received VOE. Seller Comment (2021-01-25): Income documents

Reviewer Comment (2021-01-27): Received VOE.

Cleared

01/27/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302327213

19621022

01/21/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-01-27): Received assets. Seller Comment (2021-01-25): Bank Statements

Reviewer Comment (2021-01-27): Received assets.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327213

19621026

01/21/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $13,268.75 is less than Cash From Borrower $215,898.19.

Reviewer Comment (2021-01-27): Received assets. Seller Comment (2021-01-25): Asset documents

Reviewer Comment (2021-01-27): Received assets.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338113

19774615

02/03/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Paystubs, W-2 (2019)

Reviewer Comment (2021-02-11): Co-borrower paystubs provided. Seller Comment (2021-02-09): Please see co-borrower paystubs. Reviewer Comment (2021-02-09): Received W-2.  Missing pay stubs for co-borrower. Seller Comment (2021-02-05): Income docs

Reviewer Comment (2021-02-11): Co-borrower paystubs provided. Reviewer Comment (2021-02-09): Received W-2.  Missing pay stubs for co-borrower.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338113

19774619

02/03/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-02-09): Received missing REO docs. Seller Comment (2021-02-05): REO docs

Reviewer Comment (2021-02-09): Received missing REO docs.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302136653

No Finding

Loan Completed Without Finding

Review Complete

01/04/2021

1

1

302285400

19596301

01/20/2021

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2021-01-29): Initial 1003 provided. Buyer Comment (2021-01-28): Uploaded initial 1003 Buyer Comment (2021-01-27): 1003

Reviewer Comment (2021-01-29): Initial 1003 provided.

Cleared

01/29/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302479432

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302480094

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302481931

19962953

02/19/2021

Credit

General

Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.

Reviewer Comment (2021-02-26): Included in borrower authorization document. Seller Comment (2021-02-25): Please see attached Cert and Auth with language pursuant to the Taxpayer First Act of 2019. Please review to clear this condition.

Reviewer Comment (2021-02-26): Included in borrower authorization document.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302481931

19968158

02/22/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-26): Small S Corp loss documented and does not materially impact DTI. Seller Comment (2021-02-25): Please see attached

Reviewer Comment (2021-02-26): Small S Corp loss documented and does not materially impact DTI.

Cleared

02/26/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302481931

19971530

02/22/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-26): Small S Corp loss documented and does not materially impact DTI. Seller Comment (2021-02-25): Please see attached

Reviewer Comment (2021-02-26): Small S Corp loss documented and does not materially impact DTI.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302479429

No Finding

Loan Completed Without Finding

Review Complete

02/25/2021

1

1

302481928

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302480092

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302479426

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302486593

19995577

02/23/2021

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Reviewer Comment (2021-03-02): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property. Seller Comment (2021-03-01): Please see attached disaster inspection showing no damage. Guidelines require the inspection regardless of the end date. This meets guidelines. Please review to clear this condition.

Reviewer Comment (2021-03-02): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property.

Property inspected post disaster but pre-FEMA declaration of disaster end date.

Waived

N

3

2

C

B

B

B

C

B

C

B

C

B

302486592

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302479421

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302486588

20024842

02/25/2021

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Reviewer Comment (2021-03-02): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property. Seller Comment (2021-03-01): Please see attached disaster inspection showing no damage. Guidelines require the inspection regardless of the end date. This meets guidelines. Please review to clear this condition.

Reviewer Comment (2021-03-02): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property.

Property inspected post disaster but pre-FEMA declaration of disaster end date.

Waived

N

3

2

C

B

B

B

C

B

C

B

C

B

302480087

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302481923

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302479418

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302486586

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302486585

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302479417

No Finding

Loan Completed Without Finding

Review Complete

02/25/2021

1

1

302479416

19961818

02/19/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302481918

19969519

02/22/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-02-26): Asset verification provided. Seller Comment (2021-02-25): Please see attached Retirement Account Statement for sufficient reserves. Please review to clear this condition.

Reviewer Comment (2021-02-26): Asset verification provided.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302481918

19970031

02/22/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $0.00 is less than Cash From Borrower $1,013.95.

Reviewer Comment (2021-02-26): Asset verification provided. Buyer Comment (2021-02-25): The borrower received incidental cash at closing. There is no need for documentation of liquid assets for FTC. Please review to clear this condition.

Reviewer Comment (2021-02-26): Asset verification provided.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302480084

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302480083

19989597

02/23/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification

Reviewer Comment (2021-03-02): Received evidence of no HOA dues. Seller Comment (2021-03-01): Please see attached HOA documentation. Please review to clear this condition.

Reviewer Comment (2021-03-02): Received evidence of no HOA dues.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302481917

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302481915

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302481914

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302481911

19967049

02/22/2021

Credit

General

Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.

Reviewer Comment (2021-02-26): Upon further review, this exception has been cleared. Evidence of Taxpayer Consent verbiage is located on the Borrower Authorization for this lender. Seller Comment (2021-02-25): Please see attached Certification and Authorization with language persuant to the taxpayer first act of 2019. Please review to clear this condition.

Reviewer Comment (2021-02-26): Upon further review, this exception has been cleared. Evidence of Taxpayer Consent verbiage is located on the Borrower Authorization for this lender.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302481910

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302481909

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302481908

19974387

02/22/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302481908

19974571

02/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $76.00 exceeds tolerance of $38.00.  Insufficient or no cure was provided to the borrower. (7520)

Reviewer Comment (2021-03-03): Received a valid COC. Buyer Comment (2021-02-25): Please see attached CIC for the increase to this fee. A borrower was added which increased the fee. Please review to clear this condition.

Reviewer Comment (2021-03-03): Received a valid COC.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302481908

19974572

02/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Monitoring Service.  Fee Amount of $9.00 exceeds tolerance of $5.00.  Insufficient or no cure was provided to the borrower. (75213)

Reviewer Comment (2021-03-03): Received a valid COC. Seller Comment (2021-02-25): 02/25: Please see attached CIC for the increase to this fee. A borrower was added which increased the fee. Please review to clear this condition.

Reviewer Comment (2021-03-03): Received a valid COC.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302479410

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302479409

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302479408

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302481904

No Finding

Loan Completed Without Finding

Review Complete

02/24/2021

1

1

302481903

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302480079

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302480078

19959275

02/19/2021

Credit

General

Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.

Reviewer Comment (2021-02-26): Upon further review, this exception has been cleared. Evidence of Taxpayer Consent verbiage is located on the Borrower Authorization for this lender. Seller Comment (2021-02-25): Please see attached Certification and Authorization with language persuant to the taxpayer first act of 2019. Please review to clear this condition.

Reviewer Comment (2021-02-26): Upon further review, this exception has been cleared. Evidence of Taxpayer Consent verbiage is located on the Borrower Authorization for this lender.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302481902

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302480076

20085738

03/02/2021

Credit

Income Documentation

Employment Error: Employment years in field not provided.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302481900

19961765

02/19/2021

Compliance

Federal Compliance

Notice of Special Flood Hazard Disclosure Missing

FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure for property located in a flood zone.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302479403

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302481898

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302479401

No Finding

Loan Completed Without Finding

Review Complete

03/03/2021

1

1

302486582

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302481896

No Finding

Loan Completed Without Finding

Review Complete

03/01/2021

1

1

302481895

19961344

02/19/2021

Credit

General

Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.

Reviewer Comment (2021-02-26): Consent included in borrower authorization. Seller Comment (2021-02-25): Please see attached Certification and Authorization with language pursuant to the Taxpayer First act of 2019. Please review to clear this condition.

Reviewer Comment (2021-02-26): Consent included in borrower authorization.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302481895

19961486

02/19/2021

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302481895

19961500

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,125.00 exceeds tolerance of $610.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-26): Changed circumstance documentation provided. Seller Comment (2021-02-25): Please see attached CIC for the increase to the appraisal fee for the complexity of the home and the scope of work required to complete the report. Please review to clear this condition as this increase was disclosed within 3 buisness days.

Reviewer Comment (2021-02-26): Changed circumstance documentation provided.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302479398

No Finding

Loan Completed Without Finding

Review Complete

02/25/2021

1

1

302481889

No Finding

Loan Completed Without Finding

Review Complete

02/24/2021

1

1

302479397

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302481887

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302479396

No Finding

Loan Completed Without Finding

Review Complete

02/25/2021

1

1

302481886

19972305

02/22/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302481886

19974973

02/22/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018)

Reviewer Comment (2021-02-26): Upon further review, this exception has been cleared. Lender's guidelines require 2 years W-2's or a written VOE. Work Number verifies the co-borrower's 2020 and 2019 wages. Seller Comment (2021-02-25): Please see attached Work Number report being used for W-2's. Please review to clear this condition.

Reviewer Comment (2021-02-26): Upon further review, this exception has been cleared. Lender's guidelines require 2 years W-2's or a written VOE. Work Number verifies the co-borrower's 2020 and 2019 wages.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302480072

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302481884

20011278

02/24/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-03-02): Received final title with sufficient coverage. Seller Comment (2021-03-01): Please see attached Final Title Policy showing sufficient coverage. Please review to clear this condition.

Reviewer Comment (2021-03-02): Received final title with sufficient coverage.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302481884

20011320

02/24/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-03-02): Received final title with sufficient coverage.

Reviewer Comment (2021-03-02): Received final title with sufficient coverage.

Cleared

03/02/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302481884

20012111

02/24/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-03-02): Received evidence of earlier delivery. Seller Comment (2021-03-01): Please see attached Evidentiary Document confirming this was disclosed within the required time. Please review to clear this condition.

Reviewer Comment (2021-03-02): Received evidence of earlier delivery.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302481884

20012113

02/24/2021

Compliance

Federal Compliance

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxx not received by borrower at least four (4) business days prior to closing. (Interxxxx021)

Reviewer Comment (2021-03-02): Received evidence of earlier delivery. Seller Comment (2021-03-01): Please see attached Evidentiary Document confirming this was disclosed within the required time. Please review to clear this condition.

Reviewer Comment (2021-03-02): Received evidence of earlier delivery.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302481881

19962393

02/19/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-26): Pay history documented. Seller Comment (2021-02-25): Please see attached payoff for the subject property previous loan. This confirms the loan is current. Please review to clear this condition.

Reviewer Comment (2021-02-26): Pay history documented.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302481881

19969259

02/22/2021

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Reviewer Comment (2021-03-02): Lender provided PDI but FEMA hasn't declared end fate though last week it was in the 70's in Texas. Seller Comment (2021-03-01): Please see attached disaster inspection showing no damage. Please review to clear this condition.

Reviewer Comment (2021-03-02): Lender provided PDI but FEMA hasn't declared end fate though last week it was in the 70's in Texas.

Cleared

03/02/2021

N

3

1

C

A

B

A

C

A

C

A

C

A

302486580

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302408118

19737693

02/01/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-11): Provided signed and dated full 2018-2019 1040s with all schedules. 2/8/2021 Seller Comment (2021-02-08): RETURNS

Reviewer Comment (2021-02-11): Provided signed and dated full 2018-2019 1040s with all schedules. 2/8/2021

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408118

19737694

02/01/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-11): Provided signed and dated full 2018-2019 1040s with all schedules. 2/8/2021

Reviewer Comment (2021-02-11): Provided signed and dated full 2018-2019 1040s with all schedules. 2/8/2021

Cleared

02/11/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302408118

19737717

02/01/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1084 or income worksheet

Reviewer Comment (2021-02-11): The 1084 UW worksheet was provided. xxxx Seller Comment (2021-02-08): WORKSHEET

Reviewer Comment (2021-02-11): The 1084 UW worksheet was provided. xxxx

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173947

19166512

12/04/2020

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $226.75 exceeds tolerance of $0.00 plus 10% or $0.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-03): Cure docs provided. Buyer Comment (2021-02-01): Please see cure documents Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-31): lender provided a signed LE dated 7/31 that includes fees Reviewer Comment (2020-12-24): xxxx re-reviewed.  Issue is the Initial LE Issued 7-31-20 and is wet signed by borrower and must b eused for tolerance testing though no fees reflected on page 2. Buyer Comment (2020-12-21): Please review again; the recording fee was disclosed on the initial LE at $375.00; there is not fee tolerance violation. Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-17): COC docs

Reviewer Comment (2021-02-03): Cure docs provided. Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Reviewer Comment (2020-12-24): xxxx re-reviewed.  Issue is the Initial LE Issued 7-31-20 and is wet signed by borrower and must b eused for tolerance testing though no fees reflected on page 2. Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302173947

19166514

12/04/2020

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee.  Fee Amount of $1,095.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7355)

Reviewer Comment (2021-02-03): Cure docs provided. Buyer Comment (2021-02-01): Please see cure documents Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-31): uploaded LExxxx with fees Reviewer Comment (2020-12-24): xxxx re-reviewed.  Issue is the Initial LE Issued 7-31-20 and is wet signed by borrower and must b eused for tolerance testing though no fees reflected on page 2. Buyer Comment (2020-12-21): Please disregard, just noticed that the actual initial LE isxxxx exception is valid will follow up with lender Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-17): COC uploaded

Reviewer Comment (2021-02-03): Cure docs provided. Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Reviewer Comment (2020-12-24): xxxx re-reviewed.  Issue is the Initial LE Issued 7-31-20 and is wet signed by borrower and must b eused for tolerance testing though no fees reflected on page 2. Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302173947

19166515

12/04/2020

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $455.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-03): Cure docs provided. Buyer Comment (2021-02-01): Please see cure documents Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-31): uploaded LExxxx with fees Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-17): COC uploaded

Reviewer Comment (2021-02-03): Cure docs provided. Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302173947

19166516

12/04/2020

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $105.79 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7520)

Reviewer Comment (2021-02-03): Cure docs provided. Buyer Comment (2021-02-01): Please see cure documents Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-31): uploaded LExxxx with fees Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-17): COC uploaded

Reviewer Comment (2021-02-03): Cure docs provided. Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302173947

19166517

12/04/2020

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of $12.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7579)

Reviewer Comment (2021-02-03): Cure docs provided. Buyer Comment (2021-02-01): Please see cure documents Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-31): uploaded LExxxx with fees Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-17): COC uploaded

Reviewer Comment (2021-02-03): Cure docs provided. Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302173947

19172918

12/06/2020

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $6,463.83 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (73109)

Reviewer Comment (2021-02-03): Cure docs provided. Buyer Comment (2021-02-01): Please see uploaded verification of delivery to complete cure. Reviewer Comment (2021-01-25): xxxx received corrected CD, LOE to borrower, copy of refund check and proof of mailing.  The tracking information reflects that package has not yet been picked up by carrier to deliver to borrower.  Provide proof package has been picked up by UPS to finalize cure. Buyer Comment (2021-01-20): cure docs Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-31): uploaded LExxxx with fees Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-17): COC uploaded

Reviewer Comment (2021-02-03): Cure docs provided. Reviewer Comment (2021-01-25): xxxx received corrected CD, LOE to borrower, copy of refund check and proof of mailing.  The tracking information reflects that package has not yet been picked up by carrier to deliver to borrower.  Provide proof package has been picked up by UPS to finalize cure. Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302173947

19172919

12/06/2020

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726)

Reviewer Comment (2021-02-03): Cure docs provided. Buyer Comment (2021-02-01): Please see cure documents Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-31): uploaded LExxxx with fees Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-17): COC uploaded

Reviewer Comment (2021-02-03): Cure docs provided. Reviewer Comment (2021-01-06): xxxx received LE. It appears it is not the initial LE as several fields are not updated from the initial LE in file without fees. The fields are consistent with the initial LE. The Costs at Closing indicate $0 with $0 lender credit, the Calculating Cash to Close table on page 2 is not updated to reflect fees or credits, and  Comparisons on page 3 indicate the values consistent with 0 fees. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Reviewer Comment (2020-12-21): xxxx received LEs and COCs however the initial LE did not disclose any fees and COCs do not indicate a valid reason for the fee to be added after initial disclosure. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302306405

19598663

01/20/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-27): Received signed tax returns. Seller Comment (2021-01-25): xxxx/S-Corp) RETURNS

Reviewer Comment (2021-01-27): Received signed tax returns.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306405

19598664

01/20/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-01-27): Received signed tax returns. Seller Comment (2021-01-25): RETURNS FOR xxxx -

Reviewer Comment (2021-01-27): Received signed tax returns.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306405

19598666

01/20/2021

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Schedule C Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxx/Schedule C)

Reviewer Comment (2021-01-27): Received signed tax returns. Seller Comment (2021-01-25): RETURNS FOR xxxx/S-Corp) -

Reviewer Comment (2021-01-27): Received signed tax returns.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306405

19598667

01/20/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-27): Received signed tax returns.

Reviewer Comment (2021-01-27): Received signed tax returns.

Cleared

01/27/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302306405

19598668

01/20/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-01-27): Received signed tax returns. Seller Comment (2021-01-25): CPA/ VOE

Reviewer Comment (2021-01-27): Received signed tax returns.

Cleared

01/27/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302306405

19598702

01/20/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Escrowed Property Costs Year 1 -  October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 6,993.14 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-14): Received PCCD issued 2/8/2021 updating the property costs year 1 and a LOX. Seller Comment (2021-02-09): PCCD AND LOE

Reviewer Comment (2021-02-14): Received PCCD issued 2/8/2021 updating the property costs year 1 and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302396722

19871800

02/10/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-03-02): Pay History provided for 8.2020 - 1.2021 and input. Seller Comment (2021-03-01): REO docs

Reviewer Comment (2021-03-02): Pay History provided for 8.2020 - 1.2021 and input.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267480

No Finding

Loan Completed Without Finding

Review Complete

xxxx  1:23:03 PM

1

1

302338022

19648805

01/22/2021

Compliance

State Compliance

Illinois SB 1894

IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.

Reviewer Comment (2021-02-11): Received disclosure. Seller Comment (2021-02-08): IL Certificate of Compliance

Reviewer Comment (2021-02-11): Received disclosure.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098827

19202351

12/09/2020

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-01-17): Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area. Buyer Comment (2021-01-13): FEMA documents attached

Reviewer Comment (2021-01-17): Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area.

Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302098827

19202655

12/09/2020

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-01-17): 2017 1040's provided. Buyer Comment (2021-01-13): 2017 Tax Returns attached

Reviewer Comment (2021-01-17): 2017 1040's provided.

Cleared

01/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098827

19202656

12/09/2020

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-17): 2017 1040's provided. Buyer Comment (2021-01-15): 2017 tax return attached

Reviewer Comment (2021-01-17): 2017 1040's provided.

Cleared

01/17/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302098827

19202706

12/09/2020

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-01-20): xxxx reviewed final settlement statement indicating cure was provided at close. Buyer Comment (2021-01-13): Cure provided through funding, see PCCD and Final Settlement already in file. Reviewer Comment (2021-01-13): xxxx received proof of re-opening of rescission from both borrowers. Corrected CD has been received.  Missing proof of $150 refund to borrower with proof of mailing of it and LOE to borrower explaining the TOP correction to finalize cure. Buyer Comment (2021-01-07): Lender cured on PCCD with FSS (already uploaded) RTC attached Reviewer Comment (2020-12-22): TOP disclosed on the final CD is inaccurate based on fees disclosed on the PCCD dated 11-30-20 resulting from$150 increase in borrower paid loan costs reflected in Section D ($150 increase in Title-Notary. xxxx’s testing approach as a TPR assumes that fee changes reflected on a PCCD are corrections, rather than updates of fees that would result from changes that occurred after closing. That is, a lender incorrectly disclosed fees they were aware of (or should have been aware of) on the final CD and therefore issued a PCCD reflecting the actual fees that should have been disclosed on the final CD. Accordingly, xxxx will calculate the [TOP based on corrected fees on the PCCD and cite exceptions if the TOP disclosed on the final CD (provided at or before consummation) is inaccurate based on the updated fees shown on PCCD. The reason for testing in this manner is that (1) 1026.17(b) (and related commentary) provides that disclosures must be made before consummation; (2) 1026.19(f)(1)(ii) and (f)(2)(ii) require the CD to be provided 3 business days before consummation; and (3) 1026.19(f)(2) and (ii) provide that the CD must be provided before or at consummation. One exception to this would be if the PCCD was issued only due to a change in interim interest (based on a change in disbursement date), such changes would not result in any exception for the PCCD. The cure for the TOP exception includes a Letter of Explanation, Copy of Refund check for under-disclosed amount, Proof of Delivery, Reopening Rescission, and Corrected CD (which is already received). Buyer Comment (2020-12-20): CURE

Reviewer Comment (2021-01-20): xxxx reviewed final settlement statement indicating cure was provided at close. Reviewer Comment (2021-01-13): xxxx received proof of re-opening of rescission from both borrowers. Corrected CD has been received.  Missing proof of $150 refund to borrower with proof of mailing of it and LOE to borrower explaining the TOP correction to finalize cure. Reviewer Comment (2020-12-22): TOP disclosed on the final CD is inaccurate based on fees disclosed on the PCCD dated 11-30-20 resulting from$150 increase in borrower paid loan costs reflected in Section D ($150 increase in Title-Notary. xxxx’s testing approach as a TPR assumes that fee changes reflected on a PCCD are corrections, rather than updates of fees that would result from changes that occurred after closing. That is, a lender incorrectly disclosed fees they were aware of (or should have been aware of) on the final CD and therefore issued a PCCD reflecting the actual fees that should have been disclosed on the final CD. Accordingly, xxxx will calculate the [TOP based on corrected fees on the PCCD and cite exceptions if the TOP disclosed on the final CD (provided at or before consummation) is inaccurate based on the updated fees shown on PCCD. The reason for testing in this manner is that (1) 1026.17(b) (and related commentary) provides that disclosures must be made before consummation; (2) 1026.19(f)(1)(ii) and (f)(2)(ii) require the CD to be provided 3 business days before consummation; and (3) 1026.19(f)(2) and (ii) provide that the CD must be provided before or at consummation. One exception to this would be if the PCCD was issued only due to a change in interim interest (based on a change in disbursement date), such changes would not result in any exception for the PCCD. The cure for the TOP exception includes a Letter of Explanation, Copy of Refund check for under-disclosed amount, Proof of Delivery, Reopening Rescission, and Corrected CD (which is already received).

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302132550

19167827

12/05/2020

Compliance

Miscellaneous Compliance

Other Compliance Exception (Manual Add)

Reviewer Comment (2021-01-24): Signature dates are acceptable. Buyer Comment (2021-01-21): CD

Reviewer Comment (2021-01-24): Signature dates are acceptable.

Cleared

01/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302132550

19167839

12/05/2020

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-01-24): Disclosure provided. Buyer Comment (2021-01-21): LO attestation letter

Reviewer Comment (2021-01-24): Disclosure provided.

Cleared

01/24/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302264844

No Finding

Loan Completed Without Finding

Review Complete

01/16/2021

1

1

302404396

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302400973

19686095

01/27/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx 1040 (2018), 1040 (2019) 1040 (2018), 1040 (2019)

Reviewer Comment (2021-02-02): Received missing income docs.  Tax returns not required, borrower a wage earner and W-2's in file and transcripts. Seller Comment (2021-02-01): Borrower is a wage earner. Tax Returns are not required. Please see tax transcripts and W2's.

Reviewer Comment (2021-02-02): Received missing income docs.  Tax returns not required, borrower a wage earner and W-2's in file and transcripts.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302400973

19692303

01/28/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $80.00 exceeds tolerance of $40.00 plus 10% or $44.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-18): xxxx received PCCD, LOE, copy of refund check, and proof of mailing; exception is cured Seller Comment (2021-02-15): Please see uploaded UPS tracking info. Reviewer Comment (2021-02-12): xxxx received PCCD indicating cure, LOE, and refund check. Please provide proof of mailing to cure. Seller Comment (2021-02-08): Please see, PC CD, LOE and copy of refund check. Reviewer Comment (2021-02-02): Unanticipated increase in recording fee is not a valid COC.  Release of prior lien should have been already anticipated. Seller Comment (2021-02-01): COC

Reviewer Comment (2021-02-18): xxxx received PCCD, LOE, copy of refund check, and proof of mailing; exception is cured Reviewer Comment (2021-02-12): xxxx received PCCD indicating cure, LOE, and refund check. Please provide proof of mailing to cure. Reviewer Comment (2021-02-02): Unanticipated increase in recording fee is not a valid COC.  Release of prior lien should have been already anticipated.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302400973

19692344

01/28/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-02): Received updated hazard policy with sufficient coverage. Seller Comment (2021-02-01): HOI Policy

Reviewer Comment (2021-02-02): Received updated hazard policy with sufficient coverage.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404399

19743912

02/02/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-11): K-1s provided for partnership income Seller Comment (2021-02-11): 2019 + 2018 Tax Transcripts

Reviewer Comment (2021-02-11): K-1s provided for partnership income

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404399

19744696

02/02/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019)

Reviewer Comment (2021-02-11): Provided the full 2018-19 1040s signed and dated. xxxx Seller Comment (2021-02-08): RETURNS

Reviewer Comment (2021-02-11): Provided the full 2018-19 1040s signed and dated. xxxx

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304024

19637159

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $76.37 exceeds tolerance of $65.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302304024

19638494

01/22/2021

Credit

Mortgage / Program Eligibility

Guideline Requirement: Loan to value discrepancy.

Calculated loan to value percentage of 80.00003% exceeds Guideline loan to value percentage of 80.00000%.

Reviewer Comment (2021-02-05): Client acknowledged based on the DTI and reserve profile.

Reviewer Comment (2021-02-05): Client acknowledged based on the DTI and reserve profile.

The representative FICO score is above 680. The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is less than or equal to 35%. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is at least 10% less than the guideline maximum.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302304024

19638535

01/22/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-01-29): Received tax returns and W-2's. Seller Comment (2021-01-26): Income documents

Reviewer Comment (2021-01-29): Received tax returns and W-2's.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335588

19804471

02/08/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1120S (2018), K-1 (2018), K-1 (2019), W-2 (2018)

Reviewer Comment (2021-02-16): Received missing income docs. Seller Comment (2021-02-15): RETURNS

Reviewer Comment (2021-02-16): Received missing income docs.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335588

19804687

02/08/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-16): Received missing income docs. Seller Comment (2021-02-15): Tax Returns Signed AND W2'S

Reviewer Comment (2021-02-16): Received missing income docs.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335588

19804732

02/08/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-16): Received missing income docs.

Reviewer Comment (2021-02-16): Received missing income docs.

Cleared

02/16/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302335588

19804740

02/08/2021

Credit

Income Documentation

Income documentation requirements not met.

Reviewer Comment (2021-02-16): Received missing income docs. Seller Comment (2021-02-15): RETURNS AND W2

Reviewer Comment (2021-02-16): Received missing income docs.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329344

19385651

xxxx  3:44:59 PM

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-02): Revised commitment provided. Buyer Comment (2021-01-29): Uploaded Title Commitment w/ $xxxx

Reviewer Comment (2021-02-02): Revised commitment provided.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329344

19385965

xxxx  4:13:25 PM

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-01-19): xxxx received earlier e-consent agreement Buyer Comment (2021-01-12): esign

Reviewer Comment (2021-01-19): xxxx received earlier e-consent agreement

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329344

19385968

xxxx  4:14:16 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $136.90 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2020-12-30): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-30): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302336660

19730751

02/01/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-18): Provided the Title Commitment reflecting the Loan amount coverage.xxxx Seller Comment (2021-02-17): TITLE

Reviewer Comment (2021-02-18): Provided the Title Commitment reflecting the Loan amount coverage.xxxx

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302272985

19612132

01/21/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019)

Reviewer Comment (2021-01-29): Received missing income docs. Seller Comment (2021-01-26): Income documents

Reviewer Comment (2021-01-29): Received missing income docs.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302272985

19612138

01/21/2021

Property

General Appraisal Requirements

The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant.  Unable to verify occupancy.

Valuation Type: Appraisal / Valuation Report Date: xxxx

Reviewer Comment (2021-02-07): Received evidence property is being renovated. Buyer Comment (2021-02-03): The Occupancy Disclosure from closing reflects this is primary occupancy. The appraisal was done on xxxx and Appraiser commented that home has been renovated throughout.  The 1003 shows Borrower was renting for the last 2mths & lease was provided for xxxx through xxxx to show where they were staying while primary was being renovated.   Borrower has owned the subject since xxxx and paystubs, Tax returns, CoB renewed ID reflect xxxx as primary residence.

Reviewer Comment (2021-02-07): Received evidence property is being renovated.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338245

19698185

01/28/2021

Credit

Closing / Title

Missing Document: Rider - Other not provided

Reviewer Comment (2021-02-09): Received missing docs. Seller Comment (2021-02-01): Waiver Rights Rider

Reviewer Comment (2021-02-09): Received missing docs.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305710

19652813

01/24/2021

Credit

Credit Documentation

Missing Document: Credit Report not provided

Reviewer Comment (2021-02-09): Provided Credit refresh Seller Comment (2021-02-01): CREDIT REPORT

Reviewer Comment (2021-02-09): Provided Credit refresh

Cleared

02/09/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302096033

19880607

02/10/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-26): VOE provided. Seller Comment (2021-02-25): VOE

Reviewer Comment (2021-02-26): VOE provided.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096033

19897089

02/12/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-26): Available payment history documented. Seller Comment (2021-02-25): Lender Response: "Updated mortgage statement should not be required. Credit reports pulled after date of mortgage statement which validates payments paid on time to 11/2020. Payoff statement is dated xxxxnd good through xxxx. Funding date xxxx

Reviewer Comment (2021-02-26): Available payment history documented.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302172543

19508710

01/11/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 0.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-04): LOE and PCCD provided for cure. Buyer Comment (2021-02-01): Uploaded LOE and PCCD.

Reviewer Comment (2021-02-04): LOE and PCCD provided for cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302332829

19774142

02/03/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-21): Received VOE datedxxxx. Seller Comment (2021-02-19): vvoe

Reviewer Comment (2021-02-21): Received VOE datedxxxx.

Cleared

02/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

19218811

xxxx  1:41:22 PM

Compliance

Federal Compliance

Wages Documentation

Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (xxxx/Wages)

Reviewer Comment (2020-12-15): Paystubs and W2s provided. Seller Comment (2020-12-14): INCOME

Reviewer Comment (2020-12-15): Paystubs and W2s provided.

Cleared

xxxx  4:54:52 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

19218913

xxxx  1:47:07 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow - Escrow Waiver Fee

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose the Escrow Waiver Fee. (Final/xxxx)

Reviewer Comment (2021-01-08): Letter of Explanation & Corrected Closing Disclosure Seller Comment (2021-01-05): Please see attached. Reviewer Comment (2021-01-04): xxxx did not received PCCD and LOE. Please re send for review. Seller Comment (2021-01-04): PCCD LOX Reviewer Comment (2020-12-22): No Closing disclosure provided Buyer Comment (2020-12-22): uploaded

Reviewer Comment (2021-01-08): Letter of Explanation & Corrected Closing Disclosure Reviewer Comment (2021-01-04): xxxx did not received PCCD and LOE. Please re send for review. Reviewer Comment (2020-12-22): No Closing disclosure provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302066050

19218927

xxxx  1:48:11 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-01-13): Received the VVOEs for the prior employers.

Reviewer Comment (2021-01-13): Received the VVOEs for the prior employers.

Cleared

01/13/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302066050

19218928

xxxx  1:48:11 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Escrow Waiver Fee.  Fee Amount of $2,991.25 exceeds tolerance of $2,933.00.  Insufficient or no cure was provided to the borrower. (7321)

Reviewer Comment (2021-02-17): xxxx received VCC, exception is cleared. Seller Comment (2021-02-11): COC Reviewer Comment (2021-02-10): Specifically this is a tolerance violation not for disclosure of the fee on page 4.  The borrower did not receive a refund; a valid change of circumstance for the increase was not documented. Buyer Comment (2021-02-10): Please advise specifically why the Post Closing CD did not clear the condition Reviewer Comment (2021-01-18): PCCD did not cure the violation. Seller Comment (2021-01-13): Please see attach adding escrow waiver on page 4 Reviewer Comment (2021-01-08): PCCD did not cure the violation Seller Comment (2021-01-05): the attached final CD shows the escrow Waiver Fee Reviewer Comment (2021-01-04): xxxx received COC however it does not indicate why the fee was required 11/17 and was not previously as LE indicates borrowers were not escrowing. Please provide VCC if available or please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Seller Comment (2020-12-29): NOC Reviewer Comment (2020-12-22): Missing COC xxxx specifically addressing Escrow waiver increase for 2nd time. Seller Comment (2020-12-22): COC Reviewer Comment (2020-12-15): None of the documents provided specifically address the increase in escrow waiver fee. Seller Comment (2020-12-14): COCs

Reviewer Comment (2021-02-17): xxxx received VCC, exception is cleared. Reviewer Comment (2021-02-10): Specifically this is a tolerance violation not for disclosure of the fee on page 4.  The borrower did not receive a refund; a valid change of circumstance for the increase was not documented. Reviewer Comment (2021-01-18): PCCD did not cure the violation. Reviewer Comment (2021-01-08): PCCD did not cure the violation Reviewer Comment (2021-01-04): xxxx received COC however it does not indicate why the fee was required 11/17 and was not previously as LE indicates borrowers were not escrowing. Please provide VCC if available or please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Reviewer Comment (2020-12-22): Missing COC xxxx specifically addressing Escrow waiver increase for 2nd time. Reviewer Comment (2020-12-15): None of the documents provided specifically address the increase in escrow waiver fee.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

19219026

xxxx  1:53:30 PM

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-01-13): Received the VVOEs for the prior employers.

Reviewer Comment (2021-01-13): Received the VVOEs for the prior employers.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

19219028

xxxx  1:53:30 PM

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - Wages

Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (xxxx/Wages)

Reviewer Comment (2020-12-15): Paystubs and W2's provided. Buyer Comment (2020-12-14): uploaded

Reviewer Comment (2020-12-15): Paystubs and W2's provided.

Cleared

xxxx  4:54:52 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

19219029

xxxx  1:53:30 PM

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2020-12-15): REO verifications provided.

Reviewer Comment (2020-12-15): REO verifications provided.

Cleared

xxxx  4:54:52 PM

N

1

1

A

A

A

A

A

A

A

A

A

A

302066050

19219033

xxxx  1:53:53 PM

Credit

Mortgage / Program Eligibility

Guideline Requirement: Loan to value discrepancy.

Calculated loan to value percentage of 81.39456% exceeds Guideline loan to value percentage of 80.00000%.

Reviewer Comment (2020-12-18): Client acknowledged based on the borrower's reserve profile.

Reviewer Comment (2020-12-18): Client acknowledged based on the borrower's reserve profile.

Borrower has verified disposable income of at least $2500.00. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302066050

19219034

xxxx  1:53:53 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Combined loan to value discrepancy.

Calculated combined loan to value percentage of 81.39456% exceeds Guideline combined loan to value percentage of 80.00000%.

Reviewer Comment (2021-01-04): Client acknowledged based on the borrower's reserve profile. Seller Comment (2020-12-24): confirmation Reviewer Comment (2020-12-22): No lender exception provided Buyer Comment (2020-12-18): Per xxxx We talked with the trading desk. We are good with an exception on this one. We will have the condition cleared

Reviewer Comment (2021-01-04): Client acknowledged based on the borrower's reserve profile. Reviewer Comment (2020-12-22): No lender exception provided

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302066050

19219048

xxxx  1:55:05 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx

Reviewer Comment (2021-01-13): Received the VVOEs for the prior employers.

Reviewer Comment (2021-01-13): Received the VVOEs for the prior employers.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

19219121

xxxx  2:00:44 PM

Compliance

Federal Compliance

Rental Income Documentation - 25% Method

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement not provided or % of gross rents used is greater than 75%. (xxxx/25% Vacancy Method)

Reviewer Comment (2020-12-15): Lease provided. Seller Comment (2020-12-14): xxxx

Reviewer Comment (2020-12-15): Lease provided.

Cleared

xxxx  4:54:52 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

19219133

xxxx  2:01:31 PM

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - REO 25% Method

Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxx/25% Vacancy Method)

Reviewer Comment (2020-12-15): Lease and proof or rent provided. Buyer Comment (2020-12-14): uploaded

Reviewer Comment (2020-12-15): Lease and proof or rent provided.

Cleared

xxxx  4:54:52 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

19225310

xxxx  2:00:55 PM

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2020-12-15): Payoff statement provided. Seller Comment (2020-12-14): payoff

Reviewer Comment (2020-12-15): Payoff statement provided.

Cleared

xxxx  5:00:00 PM

N

2

1

B

A

B

A

B

A

B

A

B

A

302066050

19225332

xxxx  2:04:36 PM

Credit

Asset Calculation / Analysis

Guideline Requirement: Available for Reserves discrepancy.

Calculated Available for Reserves of $14,207.20 is less than Guideline Available for Reserves of $93,021.00.

Reviewer Comment (2020-12-15): Additional asset documentation provided. Seller Comment (2020-12-14): ASSETS

Reviewer Comment (2020-12-15): Additional asset documentation provided.

Cleared

xxxx  4:56:26 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

19225333

xxxx  2:04:36 PM

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-13): Received the VVOEs for the prior employers.

Reviewer Comment (2021-01-13): Received the VVOEs for the prior employers.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

19225445

xxxx  2:35:32 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx WVOE - Includes Income

Reviewer Comment (2020-12-22): Provided VOE for xxxx Seller Comment (2020-12-17): VOE xxxx Reviewer Comment (2020-12-15): Missing third party verification of co-borrowers employment dates with xxxx. Buyer Comment (2020-12-14): uploaded

Reviewer Comment (2020-12-22): Provided VOE for xxxx Reviewer Comment (2020-12-15): Missing third party verification of co-borrowers employment dates with xxxx.

Cleared

xxxx  11:32:08 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

19225447

xxxx  2:36:20 PM

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2020-12-15): Full replacement coverage verified. Seller Comment (2020-12-14): rce

Reviewer Comment (2020-12-15): Full replacement coverage verified.

Cleared

xxxx  5:03:05 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

19225455

xxxx  2:39:34 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 1.81 is less than Guideline PITIA months reserves of 18.00.

Reviewer Comment (2020-12-15): Additional asset verification provided. Buyer Comment (2020-12-14): UPLOADED

Reviewer Comment (2020-12-15): Additional asset verification provided.

Cleared

xxxx  4:55:54 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302066050

20009912

02/24/2021

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Reviewer Comment (2021-04-12): Received copy of the post disaster inspection showing no damage.

Reviewer Comment (2021-04-12): Received copy of the post disaster inspection showing no damage.

Cleared

04/12/2021

N

3

1

A

A

A

A

A

302408776

19667324

01/26/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-03-03): Lender provided proof of sufficient coverage. Seller Comment (2021-03-02): I am attaching the physical explanation of Extended Replacement Cost for your records- lists on the right side of the endorsement.  (Addl 25% of dwelling amount) Reviewer Comment (2021-02-22): Rec'd another policy reflecting $623,000 coverage, which is insufficient.  The updated policy states "with extended replacement cost" but does not provide a percentage or amount of the replacement cost coverage. Seller Comment (2021-02-22): HOI

Reviewer Comment (2021-03-03): Lender provided proof of sufficient coverage. Reviewer Comment (2021-02-22): Rec'd another policy reflecting $623,000 coverage, which is insufficient.  The updated policy states "with extended replacement cost" but does not provide a percentage or amount of the replacement cost coverage.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271730

19305907

xxxx  1:33:06 AM

Credit

Credit Documentation

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Reviewer Comment (2021-01-05): Received VOR. Seller Comment (2020-12-30): VOR

Reviewer Comment (2021-01-05): Received VOR.

Cleared

01/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410400

No Finding

Loan Completed Without Finding

Review Complete

03/04/2021

1

1

302286914

19659585

01/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $600.00 exceeds tolerance of $400.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-03-04): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Seller Comment (2021-02-25): copy of check, pccd, loe and ups tracking

Reviewer Comment (2021-03-04): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286914

19659586

01/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent And Other).  Fee Amount of $500.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7589)

Reviewer Comment (2021-03-04): xxxx received PCCD within 60 days of consummation correcting fee placement. Seller Comment (2021-02-25): pccd, loe, copy of check and ups tracking

Reviewer Comment (2021-03-04): xxxx received PCCD within 60 days of consummation correcting fee placement.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286914

19659588

01/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Plat drawing.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77219)

Reviewer Comment (2021-03-04): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Seller Comment (2021-02-25): pccd, loe, ups tracking and copy of check

Reviewer Comment (2021-03-04): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286914

20112058

03/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $600.00 exceeds tolerance of $400.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-03-04): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Reviewer Comment (2021-03-04): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cured

N

3

2

B

B

B

B

B

302286914

20112060

03/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Plat drawing.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (77219)

Reviewer Comment (2021-03-04): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Reviewer Comment (2021-03-04): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cured

N

3

2

B

B

B

B

B

301367733

15316651

12/05/2019

Compliance

Federal Compliance

TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans

TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xxxx did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). (Final/xxxx)

Buyer Comment (2019-12-09): Lender acknowledged Non-material exception.

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

301367733

15316653

12/05/2019

Compliance

Federal Compliance

TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits

TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/xxxx)

Reviewer Comment (2019-12-09): Received copy of the change of circumstance.

Reviewer Comment (2019-12-09): Received copy of the change of circumstance.

Cleared

12/09/2019

N

2

1

B

A

B

A

B

A

B

A

B

A

301367733

15316656

12/05/2019

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-42.60  is less than amount of binding Lender Credit previously disclosed in the amount of $-1,037.00. (9300)

Reviewer Comment (2019-12-09): Received copy of the change of circumstance.

Reviewer Comment (2019-12-09): Received copy of the change of circumstance.

Cleared

12/09/2019

N

3

1

C

A

C

A

C

A

C

A

C

A

301367733

15337676

12/06/2019

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2019-12-10): Received copy of the closure letter.

Reviewer Comment (2019-12-10): Received copy of the closure letter.

Cleared

xxxx  10:09:32 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302137058

19430158

01/05/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-19): VOE provided. Buyer Comment (2021-01-14): Gap letter provided

Reviewer Comment (2021-01-19): VOE provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302137058

19439971

01/05/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-01-19): VOE and gap letter provided. Buyer Comment (2021-01-14): VVOE uploaded

Reviewer Comment (2021-01-19): VOE and gap letter provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302137058

19439972

01/05/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-01-24): Borrower acknowledgment provided. Buyer Comment (2021-01-22): earlier appraisal

Reviewer Comment (2021-01-24): Borrower acknowledgment provided.

Cleared

01/24/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302137058

19439973

01/05/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-19): VOE and gap letter provided.

Reviewer Comment (2021-01-19): VOE and gap letter provided.

Cleared

01/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302137058

19440199

01/05/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-01-26): Inspection dated 1/8/21 indicates no damage.

Reviewer Comment (2021-01-26): Inspection dated 1/8/21 indicates no damage.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305699

No Finding

Loan Completed Without Finding

Review Complete

01/25/2021

1

1

302227983

19217667

xxxx  12:14:00 PM

Compliance

Federal Compliance

Capital Gains Assets

Qualified Mortgage (Dodd-Frank 2014): Documentation to support Capital Gains income requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-01-15): 2017 1040 provided. Buyer Comment (2021-01-12): 2017 tax returns attached

Reviewer Comment (2021-01-15): 2017 1040 provided.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302227983

19217668

xxxx  12:14:00 PM

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-01-15): 2017 1040 provided. Buyer Comment (2021-01-12): 2017 Tax Returns attached

Reviewer Comment (2021-01-15): 2017 1040 provided.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302227983

19217669

xxxx  12:14:00 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-15): 2017 1040 provided. Buyer Comment (2021-01-12): 2017 Tax Returns attached

Reviewer Comment (2021-01-15): 2017 1040 provided.

Cleared

01/15/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302226659

19390435

xxxx  11:03:31 AM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-01-26): Inspection dated 1/8/21 indicates no damage.

Reviewer Comment (2021-01-26): Inspection dated 1/8/21 indicates no damage.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302226659

19390571

xxxx  11:12:37 AM

Credit

Income Documentation

Income documentation requirements not met.

Reviewer Comment (2021-01-19): W2 provided. Buyer Comment (2021-01-13): see attached

Reviewer Comment (2021-01-19): W2 provided.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302401335

19849510

02/09/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2019), W-2 Transcript (2019), WVOE - Includes Income

Reviewer Comment (2021-03-01): Received missing income docs. Seller Comment (2021-02-26): income docs

Reviewer Comment (2021-03-01): Received missing income docs.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302401335

19849686

02/09/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $302.00 exceeds tolerance of $220.00 plus 10% or $242.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302401335

19919665

02/16/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-01): Received VOE for both employers. Seller Comment (2021-02-26): Income docs

Reviewer Comment (2021-03-01): Received VOE for both employers.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302401335

19922673

02/16/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-03-01): Received payoff. Seller Comment (2021-02-26): Payoff Statements

Reviewer Comment (2021-03-01): Received payoff.

Cleared

03/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302226834

19497595

01/08/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-01-14): Received missing income docs. Seller Comment (2021-01-12): Jumbo - Tax Returns Signed

Reviewer Comment (2021-01-14): Received missing income docs.

Cleared

01/14/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302226834

19501669

01/09/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-01-14): Received 2 years tax returns. Seller Comment (2021-01-12): TRANSCRIPTS

Reviewer Comment (2021-01-14): Received 2 years tax returns.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302226834

19501670

01/09/2021

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Schedule C Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxx/Schedule C)

Reviewer Comment (2021-01-14): Received 2 years tax returns. Seller Comment (2021-01-12): RETURNS

Reviewer Comment (2021-01-14): Received 2 years tax returns.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302226834

19501673

01/09/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-01-14): Received 2 years tax returns.

Reviewer Comment (2021-01-14): Received 2 years tax returns.

Cleared

01/14/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302226834

19501675

01/09/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-14): Received 2 years tax returns.

Reviewer Comment (2021-01-14): Received 2 years tax returns.

Cleared

01/14/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302326629

19680268

01/27/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx 1040 (2018), 1040 (2019), Transcripts (2018), Transcripts (2019) 1040 (2018), 1040 (2019), Transcripts (2018), Transcripts (2019), VVOE - Employment Only

Reviewer Comment (2021-02-22): Received the tax transcripts. Borrower only has wage income; tax returns not required.

Reviewer Comment (2021-02-22): Received the tax transcripts. Borrower only has wage income; tax returns not required.

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302326629

19680941

01/27/2021

Credit

Document Error

Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.

Borrower: xxxx

Reviewer Comment (2021-02-04): Provided Perm resident card Seller Comment (2021-02-02): PERMANENT RESIDENT CARD

Reviewer Comment (2021-02-04): Provided Perm resident card

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271639

19663947

01/25/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-07): Received 2 years W-2's. Seller Comment (2021-02-03): W2's

Reviewer Comment (2021-02-07): Received 2 years W-2's.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271639

19664018

01/25/2021

Compliance

State Compliance

Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided)

Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.

Reviewer Comment (2021-02-11): Received worksheet. Seller Comment (2021-02-08): MD FORM

Reviewer Comment (2021-02-11): Received worksheet.

Cleared

02/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302271639

19664023

01/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee.  Fee Amount of $57.75 exceeds tolerance of $25.00.  Insufficient or no cure was provided to the borrower. (7345)

Reviewer Comment (2021-02-11): PCCD and copy of check provided in trailing documents Seller Comment (2021-02-11): PCCD, LOE, COPY OF CHECK AND UPS TRACKING

Reviewer Comment (2021-02-11): PCCD and copy of check provided in trailing documents

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271639

19664025

01/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee.  Fee Amount of $45.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77211)

Reviewer Comment (2021-02-11): PCCD and copy of check provided in trailing documents Seller Comment (2021-02-11): PCCD, LOE, COPY OF CHECK AND UPS TRACKING

Reviewer Comment (2021-02-11): PCCD and copy of check provided in trailing documents

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271639

19696105

01/28/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019)

Reviewer Comment (2021-02-07): Received full tax returns. Seller Comment (2021-02-03): Tax returns

Reviewer Comment (2021-02-07): Received full tax returns.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271639

19696368

01/28/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-07): Received updated credit report with payment. Seller Comment (2021-02-03): Credit Supplement

Reviewer Comment (2021-02-07): Received updated credit report with payment.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271639

19890319

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee.  Fee Amount of $57.75 exceeds tolerance of $25.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7345)

Reviewer Comment (2021-02-25): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Seller Comment (2021-02-21): pccd, loe, copy of check and ups tracking

Reviewer Comment (2021-02-25): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cured

N

3

2

B

B

B

B

B

302271639

19890320

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee.  Fee Amount of $45.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (77211)

Reviewer Comment (2021-02-25): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Seller Comment (2021-02-21): pccd, loe, copy of check and ups tracking

Reviewer Comment (2021-02-25): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cured

N

3

2

B

B

B

B

B

302392740

19743719

02/02/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 79.48027% significantly exceeds the guideline maximum of 43.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)

Reviewer Comment (2021-02-09): Received missing income and REO docs. Seller Comment (2021-02-05): Income documents

Reviewer Comment (2021-02-09): Received missing income and REO docs.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392740

19743747

02/02/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-02-09): Received missing income and REO docs. Buyer Comment (2021-02-05): All income docs have been uploaded.

Reviewer Comment (2021-02-09): Received missing income and REO docs.

Cleared

02/09/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302392740

19743748

02/02/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-02-09): Received missing income and REO docs. Buyer Comment (2021-02-05): All income docs have been uploaded.

Reviewer Comment (2021-02-09): Received missing income and REO docs.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392740

19743897

02/02/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx, Address: xxxx, Address: xxxx, Address: xxxx, Address: xxxx Other Insurance Verification, Other, Tax Verification Other Other Other

Reviewer Comment (2021-02-09): Received missing income and REO docs. Seller Comment (2021-02-05): REO docs

Reviewer Comment (2021-02-09): Received missing income and REO docs.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392740

19744011

02/02/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 79.48027% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-02-09): Received missing income and REO docs. Buyer Comment (2021-02-05): All income docs have been uploaded.

Reviewer Comment (2021-02-09): Received missing income and REO docs.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392740

19744074

02/02/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-02-09): Received missing income and REO docs. Buyer Comment (2021-02-05): All income docs have been uploaded.

Reviewer Comment (2021-02-09): Received missing income and REO docs.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302263940

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302316470

No Finding

Loan Completed Without Finding

Review Complete

01/06/2021

1

1

302303887

19867072

02/10/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Homeowners Insurance Included In Escrow

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/xxxx)

Reviewer Comment (2021-03-02): xxxx received Final CD Seller Comment (2021-02-23): Closing CD with Escrow and reopened RTC

Reviewer Comment (2021-03-02): xxxx received Final CD

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303887

19867075

02/10/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Property Taxes Included In Escrow

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx incorrectly disclosed whether property taxes are included in escrow. (Final/xxxx)

Reviewer Comment (2021-03-02): xxxx received Final CD Seller Comment (2021-02-23): Closing CD with Escrow and reopened RTC uploaded.

Reviewer Comment (2021-03-02): xxxx received Final CD

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303887

19887147

02/11/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Transcripts (2019)

Reviewer Comment (2021-02-24): Tax transcripts provided. Seller Comment (2021-02-23): 2017 Transcripts

Reviewer Comment (2021-02-24): Tax transcripts provided.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302130080

19741523

02/02/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2019)

Reviewer Comment (2021-02-08): Received 2019 tax returns. Seller Comment (2021-02-05): Tax Returns

Reviewer Comment (2021-02-08): Received 2019 tax returns.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302130080

19741616

02/02/2021

Credit

Document Error

Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.

Borrower: xxxx

Reviewer Comment (2021-02-08): Received resident alien card. Seller Comment (2021-02-05): Perm resident card

Reviewer Comment (2021-02-08): Received resident alien card.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305063

19772218

02/03/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 1.94 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-03-02): Received additional assets. Seller Comment (2021-02-26): EM source Reviewer Comment (2021-02-25): Uploaded documents show transfer of gift funds from donor account.  Gift funds are already included in assets.  Need sourcing of $30K EM deposit. Seller Comment (2021-02-23): EM SOURCE OF FUNDS Reviewer Comment (2021-02-19):xxxx:  Unable to clear.  Please provide the source of the $30,000 earnest money deposit.  Exception remains open. Seller Comment (2021-02-18): RETIREMENT ACCOUNT AND ASSETS Reviewer Comment (2021-02-12): Income worksheet provided.  Exception is for reserves/assets. Seller Comment (2021-02-10): WORKSHEET

Reviewer Comment (2021-03-02): Received additional assets. Reviewer Comment (2021-02-25): Uploaded documents show transfer of gift funds from donor account.  Gift funds are already included in assets.  Need sourcing of $30K EM deposit. Reviewer Comment (2021-02-19):xxxx:  Unable to clear.  Please provide the source of the $30,000 earnest money deposit.  Exception remains open. Reviewer Comment (2021-02-12): Income worksheet provided.  Exception is for reserves/assets.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250450

19498827

01/08/2021

Credit

Closing / Title

Missing Document: Rider - PUD not provided

Reviewer Comment (2021-02-03): Received PUD Rider. Seller Comment (2021-02-03): PUD RIDER

Reviewer Comment (2021-02-03): Received PUD Rider.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250450

19498828

01/08/2021

Credit

Application / Processing

Missing Document: Tax Certificate not provided

Reviewer Comment (2021-01-14): Received tax cert. Seller Comment (2021-01-13): TAX CERT

Reviewer Comment (2021-01-14): Received tax cert.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250450

19498835

01/08/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-01-14): Received VOR. Seller Comment (2021-01-13): VOR

Reviewer Comment (2021-01-14): Received VOR.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250450

19498918

01/08/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), VVOE - Employment Only

Reviewer Comment (2021-01-14): Received missing income docs. Seller Comment (2021-01-13): RETURNS, TAX TRANS VOE, VVOE

Reviewer Comment (2021-01-14): Received missing income docs.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250450

19498937

01/08/2021

Credit

Document Error

Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.

Borrower: xxxx

Reviewer Comment (2021-01-14): Received VISA. Seller Comment (2021-01-13): PHOTO ID WITH U.S. Citizen

Reviewer Comment (2021-01-14): Received VISA.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250450

19499030

01/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $0.69 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-02-26): Changed circumstance provided. Seller Comment (2021-02-21): coc Reviewer Comment (2021-02-12): xxxx received COC however the fee also increased $.01 on the 11/16 CD without a VCC. Please provide VCC if available or please provide a corrected CD, LOE, and refund check. Seller Comment (2021-02-08): Here is the COC that was sent to borrower for the discount point increased. Reviewer Comment (2021-02-03): Missing COC for the fee addition of the discount points. Seller Comment (2021-01-29): The final Cd disclosed a lender credit on page 2 $2500. The lender credit is the same amount that is listed on the LE. Reviewer Comment (2021-01-22): Missing COC for xxxx LE Seller Comment (2021-01-21): LE ATTACHED: The Lender credit was disclosed on the final CD $2500 on page 2, that was disclosed on the LE 10/23.

Reviewer Comment (2021-02-26): Changed circumstance provided. Reviewer Comment (2021-02-12): xxxx received COC however the fee also increased $.01 on the 11/16 CD without a VCC. Please provide VCC if available or please provide a corrected CD, LOE, and refund check. Reviewer Comment (2021-02-03): Missing COC for the fee addition of the discount points. Reviewer Comment (2021-01-22): Missing COC for xxxx LE

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250450

19503156

01/10/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 11.16 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2021-02-11): Additional earnest money deposit documented. Seller Comment (2021-02-08): EM MONEY Reviewer Comment (2021-02-03): Received tax returns.  Additional assets were not provided. Seller Comment (2021-02-03): returns Reviewer Comment (2021-01-29): Received evidence of earnest money but it was already used in the calculation.  No new assets were provided. Seller Comment (2021-01-26): EARNEST MONEY Reviewer Comment (2021-01-19): Received the same assets already used. Seller Comment (2021-01-18): assets Reviewer Comment (2021-01-14): No new assets provided. Seller Comment (2021-01-13): BANK STATEMENTS

Reviewer Comment (2021-02-11): Additional earnest money deposit documented. Reviewer Comment (2021-02-03): Received tax returns.  Additional assets were not provided. Reviewer Comment (2021-01-29): Received evidence of earnest money but it was already used in the calculation.  No new assets were provided. Reviewer Comment (2021-01-19): Received the same assets already used. Reviewer Comment (2021-01-14): No new assets provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302321651

19544610

01/13/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-01-23): Received missing REO docs. Seller Comment (2021-01-22): REO documents

Reviewer Comment (2021-01-23): Received missing REO docs.

Cleared

01/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302321651

19558012

01/14/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Stocks / Account Number: xxxx

Reviewer Comment (2021-02-11): The September statement was provided by the lender. Seller Comment (2021-02-08): Please see September statement for xxxx. Reviewer Comment (2021-02-01): Missing 2nd month asset statement for account xxxx.  Received the same October statement. Seller Comment (2021-01-27): I provided the xxxx statements from July though September and October. 2 Months statements have been provided. Suspense is invalid. Reviewer Comment (2021-01-23): Received the same months statement, October 2020. Seller Comment (2021-01-22): Bank statements

Reviewer Comment (2021-02-11): The September statement was provided by the lender. Reviewer Comment (2021-02-01): Missing 2nd month asset statement for account xxxx.  Received the same October statement. Reviewer Comment (2021-01-23): Received the same months statement, October 2020.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302321651

19558513

01/14/2021

Compliance

Federal Compliance

Commission Paystub Timing

Qualified Mortgage (Dodd-Frank 2014): xxxx income. Missing date of most recent paystub. (xxxx/xxxx)

Reviewer Comment (2021-01-23): Received pay stubs. Seller Comment (2021-01-22): Paystubs

Reviewer Comment (2021-01-23): Received pay stubs.

Cleared

01/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302321651

19558514

01/14/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-23): Received pay stubs. Seller Comment (2021-01-22): Paystubs

Reviewer Comment (2021-01-23): Received pay stubs.

Cleared

01/23/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302273144

19871458

02/10/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-03-02): Employer email provided as VVOE dated within 5 days of consummation and entered. Seller Comment (2021-03-01): VOE's

Reviewer Comment (2021-03-02): Employer email provided as VVOE dated within 5 days of consummation and entered.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388882

19723017

01/29/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-16): Provided replacement cost estimator Seller Comment (2021-02-15): HOI/ RCE

Reviewer Comment (2021-02-16): Provided replacement cost estimator

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388882

19723045

01/29/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-16): Provided VVOE for both borrowers at closing Seller Comment (2021-02-15): EMPLOYMENT VERIFICATION

Reviewer Comment (2021-02-16): Provided VVOE for both borrowers at closing

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388882

19723048

01/29/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-16): Provided VVOE for both borrowers at closing Seller Comment (2021-02-15): VVOE

Reviewer Comment (2021-02-16): Provided VVOE for both borrowers at closing

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327867

19847694

02/09/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019), W-2

Reviewer Comment (2021-03-01): Received missing income docs. Seller Comment (2021-02-26): Income documents

Reviewer Comment (2021-03-01): Received missing income docs.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327867

19848093

02/09/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-03-01): Received payoff. Seller Comment (2021-02-26): Payoff Statement

Reviewer Comment (2021-03-01): Received payoff.

Cleared

03/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302327867

19848103

02/09/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 5.95 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-03-01): Received additional assets. Seller Comment (2021-02-26): Bank statements

Reviewer Comment (2021-03-01): Received additional assets.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327788

19735449

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $85.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302327788

19779342

02/04/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-11): Provided Hazard Insurance, Property History Report and Mortgage Statement. xxxx Seller Comment (2021-02-08): Credit - hoa STATEMENT

Reviewer Comment (2021-02-11): Provided Hazard Insurance, Property History Report and Mortgage Statement. xxxx

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286912

19639202

01/22/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 2.30 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-02-09): Received additional assets. Seller Comment (2021-02-01): RETIREMENT ACCOUNT

Reviewer Comment (2021-02-09): Received additional assets.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259752

19585599

01/19/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1065 (2018), 1065 (2019), P&L Statement, VVOE - Employment Only

Reviewer Comment (2021-02-03): P&L and balance sheet provided. Buyer Comment (2021-01-29): Uploaded: (1) LOE and 2018,2019 K-1’s for xxxx; (2) P&L and Balance Sheet for xxxx

Reviewer Comment (2021-02-03): P&L and balance sheet provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259752

19586140

01/19/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-03): CDA with 0% variance provided. Buyer Comment (2021-01-29): Uploaded CDA

Reviewer Comment (2021-02-03): CDA with 0% variance provided.

Cleared

02/03/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302259752

19586142

01/19/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-03): K1 income documented. Buyer Comment (2021-01-29): LOE and 2018 & 2019 K-1's uploaded

Reviewer Comment (2021-02-03): K1 income documented.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259752

19586143

01/19/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-03): P&L and balance sheet provided. Buyer Comment (2021-01-29): Uploaded P&L and Balance Sheet

Reviewer Comment (2021-02-03): P&L and balance sheet provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259752

19586146

01/19/2021

Compliance

Federal Compliance

FACTA Disclosure Missing

FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Reviewer Comment (2021-01-27): Disclosure provided. Buyer Comment (2021-01-25): FACTA

Reviewer Comment (2021-01-27): Disclosure provided.

Cleared

01/27/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302259752

19586148

01/19/2021

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Partnership Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing:  Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (xxxx/Partnership)

Reviewer Comment (2021-02-03): P&L and balance sheet provided. Buyer Comment (2021-01-29): Uploaded: (1) LOE and 2018,2019 K-1’s for xxxx; (2) P&L and Balance Sheet for xxxx

Reviewer Comment (2021-02-03): P&L and balance sheet provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302259752

19586171

01/19/2021

Compliance

Federal Compliance

Notice of Special Flood Hazard Disclosure Not Provided Timely

FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.

Reviewer Comment (2021-01-27): Disclosure provided. Buyer Comment (2021-01-25): Flood

Reviewer Comment (2021-01-27): Disclosure provided.

Cleared

01/27/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302259752

19586172

01/19/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-03): Income docs provided.

Reviewer Comment (2021-02-03): Income docs provided.

Cleared

02/03/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302259752

19586173

01/19/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-03): Income docs provided. Buyer Comment (2021-01-29): Uploaded: (1) LOE and 2018,2019 K-1’s for xxxx; (2) P&L and Balance Sheet for xxxx

Reviewer Comment (2021-02-03): Income docs provided.

Cleared

02/03/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302259752

19586174

01/19/2021

Compliance

Federal Compliance

RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application

RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.

Reviewer Comment (2021-01-27): Earlier signed disclosure provided. Buyer Comment (2021-01-25): HOC

Reviewer Comment (2021-01-27): Earlier signed disclosure provided.

Cleared

01/27/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302259752

19586177

01/19/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $242.50 exceeds tolerance of $207.00 plus 10% or $227.70.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting a tolerance cure of $14.80, a LOX, copy of refund check and evidence of delivery. Buyer Comment (2021-02-09): Cure docs uploaded

Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting a tolerance cure of $14.80, a LOX, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302271656

19594229

01/20/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx Balance Sheet VVOE - Employment Only

Reviewer Comment (2021-02-04): Balance sheet provided.   Small Sch C loss is documented and not material to DTI. Buyer Comment (2021-02-02): Balance sheet attached

Reviewer Comment (2021-02-04): Balance sheet provided.   Small Sch C loss is documented and not material to DTI.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271656

19594492

01/20/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-04): Small Sch C loss is documented and not material to DTI.

Reviewer Comment (2021-02-04): Small Sch C loss is documented and not material to DTI.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271656

19594493

01/20/2021

Compliance

Federal Compliance

FACTA Disclosure Missing

FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Reviewer Comment (2021-01-27): FACTA provided. Buyer Comment (2021-01-26): FACTA

Reviewer Comment (2021-01-27): FACTA provided.

Cleared

01/27/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302271656

19594494

01/20/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-04): Small Sch C loss is documented and not material to DTI.

Reviewer Comment (2021-02-04): Small Sch C loss is documented and not material to DTI.

Cleared

02/04/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302271656

19594495

01/20/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-09): Lender attests that 12/7/20 CD (unsigned) was not provided to the borrower. Buyer Comment (2021-02-09): Uploaded CD and LOE's

Reviewer Comment (2021-02-09): Lender attests that 12/7/20 CD (unsigned) was not provided to the borrower.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271656

19594573

01/20/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-09): VOE provided. Buyer Comment (2021-02-05): Co borrower (xxxx VOE ) uploaded Reviewer Comment (2021-02-04): VOE provided for borrower (xxxx).  Need for co-borrower (xxxx) Buyer Comment (2021-02-02): xxxx VOE attached

Reviewer Comment (2021-02-09): VOE provided. Reviewer Comment (2021-02-04): VOE provided for borrower (xxxx).  Need for co-borrower (xxxx)

Cleared

02/09/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302473114

19594147

01/20/2021

Compliance

Federal Compliance

FACTA Disclosure Missing

FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.

Reviewer Comment (2021-01-28): Disclosure provided. Buyer Comment (2021-01-27): FACTA

Reviewer Comment (2021-01-28): Disclosure provided.

Cleared

01/28/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302473114

19594148

01/20/2021

Compliance

State Compliance

Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice)

Virginia Mortgage Lender and Broker Act:  Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.

Reviewer Comment (2021-01-28): Disclosure provided. Buyer Comment (2021-01-27): VA disclosure

Reviewer Comment (2021-01-28): Disclosure provided.

Cleared

01/28/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302473114

19594160

01/20/2021

Compliance

Federal Compliance

RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application

RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.

Reviewer Comment (2021-01-28): Earlier disclosure provided. Buyer Comment (2021-01-27): HOC

Reviewer Comment (2021-01-28): Earlier disclosure provided.

Cleared

01/28/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302473114

19598770

01/20/2021

Credit

General

Missing Document: HELOC Agreement not provided

Reviewer Comment (2021-02-02): cleared with provided doc's Buyer Comment (2021-01-30): HELOC Note

Reviewer Comment (2021-02-02): cleared with provided doc's

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302473114

19642783

01/22/2021

Compliance

Miscellaneous Compliance

Other Compliance Exception (Manual Add)

Reviewer Comment (2021-01-28): E-sign consent disclosure provided. Buyer Comment (2021-01-27): E CONSENT

Reviewer Comment (2021-01-28): E-sign consent disclosure provided.

Cleared

01/28/2021

N

3

1

A

A

A

A

A

302338123

19996078

02/23/2021

Compliance

State Compliance

South Carolina CHL Complaint Agency Disclosure Timing Test

South Carolina Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

Reviewer Comment (2021-03-12): South Carolina CHL Complaint Agency Disclosure dated xxxx was provided. Seller Comment (2021-03-11): SC disclosure

Reviewer Comment (2021-03-12): South Carolina CHL Complaint Agency Disclosure dated xxxx was provided.

Cleared

03/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302398116

19766863

02/02/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-12): xxxx: Received 2 years W2's for Borrowers previous employment. Seller Comment (2021-02-10): W2

Reviewer Comment (2021-02-12): xxxx: Received 2 years W2's for Borrowers previous employment.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302412293

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302269508

19733642

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $30.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (77190)

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302269508

19733644

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $762.18 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7726)

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302269508

19733872

02/01/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-10): Coverage amount exceeds loan amount. Seller Comment (2021-02-04): HOI Policy

Reviewer Comment (2021-02-10): Coverage amount exceeds loan amount.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269508

19738171

02/01/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Tax Verification

Reviewer Comment (2021-02-10): Received missing REO docs. Seller Comment (2021-02-04): REO documents

Reviewer Comment (2021-02-10): Received missing REO docs.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271714

19805246

02/08/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019)

Reviewer Comment (2021-02-16): Received tax returns. Seller Comment (2021-02-15): Tax Returns and W2's

Reviewer Comment (2021-02-16): Received tax returns.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271714

19805515

02/08/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-02-16): Received missing REO docs. Seller Comment (2021-02-15): REO docs

Reviewer Comment (2021-02-16): Received missing REO docs.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302285344

19741505

02/02/2021

Credit

Asset Documentation

Asset documentation requirements not met.

Reviewer Comment (2021-03-04): Lender provided Final Closing Statement for xxxx. Seller Comment (2021-03-03): CD Reviewer Comment (2021-02-10): Received estimated closing statement for departure residence located at xxxx.  Please provide final closing statement. Seller Comment (2021-02-04): sale of home cd

Reviewer Comment (2021-03-04): Lender provided Final Closing Statement for xxxx. Reviewer Comment (2021-02-10): Received estimated closing statement for departure residence located at xxxx.  Please provide final closing statement.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338110

No Finding

Loan Completed Without Finding

Review Complete

02/12/2021

1

1

302315945

19739161

02/02/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-02-11): Received VOE from co-borrowers previous employer. Seller Comment (2021-02-08): VOE

Reviewer Comment (2021-02-11): Received VOE from co-borrowers previous employer.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315945

19739176

02/02/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-11): Client provided VOE's for coborrower's current and previous employment. Seller Comment (2021-02-11): VOE Buyer Comment (2021-02-11): Cleared - Received VOE from co-borrowers previous employer. Reviewer Comment (2021-02-11): Missing P&L and balance sheet of sole proprietorship. Seller Comment (2021-02-08): VOE

Reviewer Comment (2021-02-11): Client provided VOE's for coborrower's current and previous employment. Reviewer Comment (2021-02-11): Missing P&L and balance sheet of sole proprietorship.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315945

19739177

02/02/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-11): Received VOE from co-borrowers previous employer. Seller Comment (2021-02-08): VOE

Reviewer Comment (2021-02-11): Received VOE from co-borrowers previous employer.

Cleared

02/11/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302315945

19746860

02/02/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-26): Received the 2019 and 2018 K-1's and 1065 business returns for xxxx. Seller Comment (2021-02-25): 2018 & 2019, K1's Reviewer Comment (2021-02-11): Still missing 2018-2019 K-1s for co-borrower's partnership business Seller Comment (2021-02-11): xxxx Reviewer Comment (2021-02-11): Missing 2018 and 2019 Schedule K-1's, P&L and balance sheet for xxxx.  Missing P&L and balance sheet for sole proprietorship. Seller Comment (2021-02-08): returns

Reviewer Comment (2021-02-26): Received the 2019 and 2018 K-1's and 1065 business returns for xxxx. Reviewer Comment (2021-02-11): Still missing 2018-2019 K-1s for co-borrower's partnership business Reviewer Comment (2021-02-11): Missing 2018 and 2019 Schedule K-1's, P&L and balance sheet for xxxx.  Missing P&L and balance sheet for sole proprietorship.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315945

19747427

02/02/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-11): Received W-2's. Seller Comment (2021-02-08): w2

Reviewer Comment (2021-02-11): Received W-2's.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315945

19747506

02/02/2021

Compliance

State Compliance

Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely)

Maryland Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten (10) business days of application or three (3) business days prior to closing.

Reviewer Comment (2021-02-11): Client provided the MD Disclosure dated xxxx. Seller Comment (2021-02-10): is the attached disclosure the one you’re looking for?  Please confirm.

Reviewer Comment (2021-02-11): Client provided the MD Disclosure dated xxxx.

Cleared

02/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302315945

19747538

02/02/2021

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-11): Received VOE from co-borrowers previous employer. Reviewer Comment (2021-02-11): Missing VOE from co-borrowers previous employer reflecting the start/end date to verify if any employment gaps over 30 days. Seller Comment (2021-02-08): voe

Reviewer Comment (2021-02-11): Received VOE from co-borrowers previous employer. Reviewer Comment (2021-02-11): Missing VOE from co-borrowers previous employer reflecting the start/end date to verify if any employment gaps over 30 days.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315945

19885241

02/11/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-11): P&L and balance sheet provided in trailing documents Seller Comment (2021-02-11): xxxx

Reviewer Comment (2021-02-11): P&L and balance sheet provided in trailing documents

Cleared

02/11/2021

N

3

1

A

A

A

A

A

302315945

19890868

02/11/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-03-04): Received missing income docs.  VOE not required due to loss. Seller Comment (2021-03-02): LOE ON VOE Reviewer Comment (2021-02-26): As of xxxx, still have not received a 3rd party verification of the borrowers business xxxx, which is required to rereview this exception. Seller Comment (2021-02-25): K1S

Reviewer Comment (2021-03-04): Received missing income docs.  VOE not required due to loss. Reviewer Comment (2021-02-26): As of xxxx, still have not received a 3rd party verification of the borrowers business xxxx, which is required to rereview this exception.

Cleared

03/04/2021

N

3

1

A

A

A

A

A

302315945

19890869

02/11/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-03-04): Received missing income docs.  VOE not required due to loss. Seller Comment (2021-03-02): We did not use any self-employed income to qualify the borrower. Reviewer Comment (2021-02-23):xxxx:  Unable to clear.  Need 3rd party verification for xxxx to verify start dates.  Exception remains open. Seller Comment (2021-02-22): VOE

Reviewer Comment (2021-03-04): Received missing income docs.  VOE not required due to loss. Reviewer Comment (2021-02-23):xxxx:  Unable to clear.  Need 3rd party verification for xxxx to verify start dates.  Exception remains open.

Cleared

03/04/2021

N

2

1

A

A

A

A

A

302372202

No Finding

Loan Completed Without Finding

Review Complete

02/12/2021

1

1

302288942

19846906

02/09/2021

Credit

Appraisal Documentation

Missing Document: Appraisal not provided

Reviewer Comment (2021-02-26): Second appraisal provided and supports value. Seller Comment (2021-02-25): Appraisal

Reviewer Comment (2021-02-26): Second appraisal provided and supports value.

Cleared

02/26/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302288942

19880596

02/10/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2017), 1040 (2018), 1040 (2019)

Reviewer Comment (2021-02-26): Small gain excluded from qualification. Seller Comment (2021-02-25): Borrowers are both wage earners. Tax Returns are not required. Please see W2's and Tax Transcripts.

Reviewer Comment (2021-02-26): Small gain excluded from qualification.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332629

19732975

02/01/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-12): Received VOE and gap letter. Seller Comment (2021-02-10): VOE

Reviewer Comment (2021-02-12): Received VOE and gap letter.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332629

19732976

02/01/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-12): Received VOE and gap letter.

Reviewer Comment (2021-02-12): Received VOE and gap letter.

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302332629

19732989

02/01/2021

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-12): Received VOE from prior employers and gap letter. Seller Comment (2021-02-10): W2/ INCOME

Reviewer Comment (2021-02-12): Received VOE from prior employers and gap letter.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332629

19733845

02/01/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-02-12): Received VOR. Seller Comment (2021-02-10): VOR AND VOM

Reviewer Comment (2021-02-12): Received VOR.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332629

19736605

02/01/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-12): Received VOE and gap letter. Seller Comment (2021-02-10): LOE/ W2

Reviewer Comment (2021-02-12): Received VOE and gap letter.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332629

19736612

02/01/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-12): Received W-2's. Seller Comment (2021-02-10): W2

Reviewer Comment (2021-02-12): Received W-2's.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332629

19736621

02/01/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-12): Received missing REO docs. Seller Comment (2021-02-10): PROPERTY DOCUMENT

Reviewer Comment (2021-02-12): Received missing REO docs.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302391310

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302339307

19798899

02/05/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 47.16886% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-02-16): Sale of other property prior to subject closing documented. Seller Comment (2021-02-15): Settlement statement for property at xxxx

Reviewer Comment (2021-02-16): Sale of other property prior to subject closing documented.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302339307

19798942

02/05/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 47.16886% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-02-16): Sale of other property prior to subject closing documented. Seller Comment (2021-02-15): Settlement statement for property at xxxx

Reviewer Comment (2021-02-16): Sale of other property prior to subject closing documented.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302339307

19798949

02/05/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-02-16): Sale of other property prior to subject closing documented. Seller Comment (2021-02-15): Settlement statement for property at xxxx

Reviewer Comment (2021-02-16): Sale of other property prior to subject closing documented.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302339307

19798950

02/05/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-02-16): Sale of other property prior to subject closing documented. Seller Comment (2021-02-15): Settlement statement for property at xxxx

Reviewer Comment (2021-02-16): Sale of other property prior to subject closing documented.

Cleared

02/16/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302339307

19798951

02/05/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-02-16): Sale of other property prior to subject closing documented. Seller Comment (2021-02-15): Settlement statement for property at xxxx

Reviewer Comment (2021-02-16): Sale of other property prior to subject closing documented.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302339307

19858723

02/09/2021

Credit

General

Missing Document: HUD/CD (Asset) not provided

Reviewer Comment (2021-02-16): Sale of other property prior to subject closing documented. Seller Comment (2021-02-15): Settlement statement for property at xxxx

Reviewer Comment (2021-02-16): Sale of other property prior to subject closing documented.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392711

19773325

02/03/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-12): Dec page with dwelling coverage of $800,000 provided. Seller Comment (2021-02-11): hoi

Reviewer Comment (2021-02-12): Dec page with dwelling coverage of $800,000 provided.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392711

19773459

02/03/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-02-12): payoff statement provided Seller Comment (2021-02-11): payoff

Reviewer Comment (2021-02-12): payoff statement provided

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302392711

19773460

02/03/2021

Compliance

State Compliance

South Carolina Home Loan (Complaint Agency Disclosure Not Provided)

South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

Reviewer Comment (2021-02-12): complaint disclosure provided. Seller Comment (2021-02-11): SOUTH CAROLINA REGULATORY AGENCY TO RECEIVE BORROWER COMPLAINTS

Reviewer Comment (2021-02-12): complaint disclosure provided.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302392711

19787849

02/05/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-12): w2's provided Seller Comment (2021-02-11): w2

Reviewer Comment (2021-02-12): w2's provided

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405858

19726398

01/31/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $103.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77163)

Reviewer Comment (2021-02-11): Provided Corrected Closing Disclosure with Tolerance cure, with copy of check and tracking information.xxxx Seller Comment (2021-02-10): pccd, loe , ups tracking and copy of check

Reviewer Comment (2021-02-11): Provided Corrected Closing Disclosure with Tolerance cure, with copy of check and tracking information.xxxx

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405858

19733818

02/01/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-05): Provided MTG statement Seller Comment (2021-02-03): REO Documents

Reviewer Comment (2021-02-05): Provided MTG statement

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405858

19733827

02/01/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 9.48 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2021-02-11): Provided most recent Retirement accounts for each Borrower which covers the shortage for Reserves.  xxxx Seller Comment (2021-02-08): xxxx Reviewer Comment (2021-02-07): No new assets were provided.  The Final 1003 reflects a xxxx account that was not provided. Seller Comment (2021-02-03): ASSETS

Reviewer Comment (2021-02-11): Provided most recent Retirement accounts for each Borrower which covers the shortage for Reserves.  xxxx Reviewer Comment (2021-02-07): No new assets were provided.  The Final 1003 reflects a xxxx account that was not provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302405858

19886264

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $103.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (77163)

Reviewer Comment (2021-02-15): Received PCCD issued 2/4/2021 reflecting a tolerance cure of $103, a LOX, copy of refund check and evidence of delivery. Seller Comment (2021-02-11): PCCD, LOE, UPS TRACKING AND COPY OF CHECK Reviewer Comment (2021-02-11): Exception re-opened for further review. Reviewer Comment (2021-02-11): Corrected Closing Disclosure with Tolerance cure, with copy of check and tracking information.xxxx

Reviewer Comment (2021-02-15): Received PCCD issued 2/4/2021 reflecting a tolerance cure of $103, a LOX, copy of refund check and evidence of delivery. Reviewer Comment (2021-02-11): Exception re-opened for further review. Reviewer Comment (2021-02-11): Corrected Closing Disclosure with Tolerance cure, with copy of check and tracking information.xxxx

Cured

N

3

2

B

B

B

B

B

302305783

19587661

01/19/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-02-03): Received final title.

Reviewer Comment (2021-02-03): Received final title.

Cleared

02/03/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302305783

19588132

01/19/2021

Compliance

Federal Compliance

Rental Income Documentation - 25% Method

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement not provided or % of gross rents used is greater than 75%. (xxxx/25% Vacancy Method)

Reviewer Comment (2021-01-28): Received tax returns. Seller Comment (2021-01-26): DOCUMENTS FOR xxxx, TAX RETURNS 2019, 2018 & 2017 1040s

Reviewer Comment (2021-01-28): Received tax returns.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305783

19588157

01/19/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - REO 25% Method

Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxx/25% Vacancy Method)

Reviewer Comment (2021-01-28): Received tax returns. Seller Comment (2021-01-26): DOCUMENTS FOR xxxx, TAX RETURNS 2019, 2018 & 2017 1040s

Reviewer Comment (2021-01-28): Received tax returns.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305783

19588158

01/19/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 46.46644% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-01-28): Received tax returns. Seller Comment (2021-01-26): xxxx

Reviewer Comment (2021-01-28): Received tax returns.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305783

19588179

01/19/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-28): Received tax returns.

Reviewer Comment (2021-01-28): Received tax returns.

Cleared

01/28/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302305783

19588180

01/19/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-03-02): Received evidence of bonus income. Seller Comment (2021-03-01): PAYSTUB AND VOE Reviewer Comment (2021-02-05): Documents do not address the exception.  The lender did not use the PITI of the departing residence into the DTI ratio. Seller Comment (2021-02-03): PROERTY DOCUMENTS Reviewer Comment (2021-02-03): Lender did not include the PITI for the departing residence. Reviewer Comment (2021-01-28): Received tax returns. Seller Comment (2021-01-26): ASSETS

Reviewer Comment (2021-03-02): Received evidence of bonus income. Reviewer Comment (2021-02-05): Documents do not address the exception.  The lender did not use the PITI of the departing residence into the DTI ratio. Reviewer Comment (2021-02-03): Lender did not include the PITI for the departing residence. Reviewer Comment (2021-01-28): Received tax returns.

Cleared

03/02/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302305783

19588196

01/19/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-03-02): Received evidence of bonus income. Seller Comment (2021-03-01): PAYSTUB AND VOE Reviewer Comment (2021-02-21): Lender provided updated application and 1008 reflecting bonus income.  Bonus income does not appear on the pay stubs that were provided. Seller Comment (2021-02-19): 1008, 1003, balance sheet and vvoe and paystubs Reviewer Comment (2021-02-05): Documents do not address the exception.  The lender did not use the PITI of the departing residence into the DTI ratio. Seller Comment (2021-02-03): xxxx Reviewer Comment (2021-02-03): Lender did not include the PITI for the departing residence. Reviewer Comment (2021-01-28): Received tax returns. Seller Comment (2021-01-26): xxxx

Reviewer Comment (2021-03-02): Received evidence of bonus income. Reviewer Comment (2021-02-21): Lender provided updated application and 1008 reflecting bonus income.  Bonus income does not appear on the pay stubs that were provided. Reviewer Comment (2021-02-05): Documents do not address the exception.  The lender did not use the PITI of the departing residence into the DTI ratio. Reviewer Comment (2021-02-03): Lender did not include the PITI for the departing residence. Reviewer Comment (2021-01-28): Received tax returns.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305783

19588346

01/19/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 46.46644% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-01-28): Received tax returns. Seller Comment (2021-01-26): xxxx

Reviewer Comment (2021-01-28): Received tax returns.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305783

19588367

01/19/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-01-28): Received tax returns. Seller Comment (2021-01-26): ASSETS AND xxxx

Reviewer Comment (2021-01-28): Received tax returns.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305783

19614246

01/21/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx 1040 (2018), 1040 (2019), Lease Agreement

Reviewer Comment (2021-01-28): Received missing REO docs. Seller Comment (2021-01-26): xxxx 1040 (2018), 1040 (2019), Lease Agreement lease agreement and personal tax returns for 2018 and 2019.

Reviewer Comment (2021-01-28): Received missing REO docs.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305783

19614248

01/21/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-03): Received Final title policy with sufficient coverage. Seller Comment (2021-01-29): TITLE

Reviewer Comment (2021-02-03): Received Final title policy with sufficient coverage.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305783

19768212

02/03/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 43.84894% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-03-02): Received evidence of bonus income. Seller Comment (2021-03-01): The bonus income is on the paystubs as xxxx and this shows on the 2/10 VOEs that were uploaded. The bonus amounts match. Reviewer Comment (2021-02-21): Lender provided updated application and 1008 reflecting bonus income.  Bonus income does not appear on the pay stubs that were provided. Seller Comment (2021-02-19): 1008, 1003, balance sheet and vvoe and paystubs Reviewer Comment (2021-02-05): Documents do not address the exception.  The lender did not use the PITI of the departing residence into the DTI ratio. Seller Comment (2021-02-03): xxxx

Reviewer Comment (2021-03-02): Received evidence of bonus income. Reviewer Comment (2021-02-21): Lender provided updated application and 1008 reflecting bonus income.  Bonus income does not appear on the pay stubs that were provided. Reviewer Comment (2021-02-05): Documents do not address the exception.  The lender did not use the PITI of the departing residence into the DTI ratio.

Cleared

03/02/2021

N

3

1

A

A

A

A

A

302404320

19843321

02/08/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-03-01): Received VOE from prior employers. Seller Comment (2021-02-26): VOE's

Reviewer Comment (2021-03-01): Received VOE from prior employers.

Cleared

03/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302404320

19843331

02/08/2021

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-01): Received VOE from prior employers. Seller Comment (2021-02-26): Please see VOE's.

Reviewer Comment (2021-03-01): Received VOE from prior employers.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410399

19799131

02/05/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-02-19): W2's provided. Seller Comment (2021-02-18): W2's

Reviewer Comment (2021-02-19): W2's provided.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410399

19799197

02/05/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-02-19): Payoff statement provided. Seller Comment (2021-02-18): Payoff statement

Reviewer Comment (2021-02-19): Payoff statement provided.

Cleared

02/19/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302337271

19636875

01/22/2021

Credit

Mortgage / Program Eligibility

Missing Document: Note - Subordinate Lien not provided

Reviewer Comment (2021-01-29): Received HELOC note. Seller Comment (2021-01-26): HELOC documents

Reviewer Comment (2021-01-29): Received HELOC note.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302337271

19641406

01/22/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only, W-2 (2018)

Reviewer Comment (2021-01-29): Received missing income docs. Seller Comment (2021-01-26): Income documents

Reviewer Comment (2021-01-29): Received missing income docs.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302337271

19641454

01/22/2021

Credit

Lien

Missing evidence of lien position on Other Financing.

Lien Position: 2

Reviewer Comment (2021-01-29): Received HELOC note. Seller Comment (2021-01-26): HELOC docs

Reviewer Comment (2021-01-29): Received HELOC note.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302337271

19641601

01/22/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-29): Received on the date of funding. Seller Comment (2021-01-26): Income documents

Reviewer Comment (2021-01-29): Received on the date of funding.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404426

19871446

02/10/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2018), W-2 (2019)

Reviewer Comment (2021-03-04): 2018 & 2019 W2's provided and input. Seller Comment (2021-03-03): W2's

Reviewer Comment (2021-03-04): 2018 & 2019 W2's provided and input.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404426

19872035

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $825.00 exceeds tolerance of $775.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302369100

19689065

01/27/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019)

Reviewer Comment (2021-02-11): Income documentation is sufficient. Buyer Comment (2021-02-09): income docs already been provided. Please clear suspense. Reviewer Comment (2021-02-09): Borrower is not a wage earner as he is paid on K-1's. 2017,2018 & 2019 1040's and K-1's provided and input. Borrower is 1.64% partner. P&L and Bal N/A. Reviewer Comment (2021-02-09): 2017,2018 and 2019 1040's and K-1's provided and input - CPA letter provided and input. Borrower is 1.64% partner. Seller Comment (2021-02-01): Income documents

Reviewer Comment (2021-02-11): Income documentation is sufficient. Reviewer Comment (2021-02-09): Borrower is not a wage earner as he is paid on K-1's. 2017,2018 & 2019 1040's and K-1's provided and input. Borrower is 1.64% partner. P&L and Bal N/A. Reviewer Comment (2021-02-09): 2017,2018 and 2019 1040's and K-1's provided and input - CPA letter provided and input. Borrower is 1.64% partner.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369100

19689140

01/27/2021

Credit

Application / Processing

Missing Document: Missing Final 1003

Reviewer Comment (2021-02-09): Final 1003 provided and input Seller Comment (2021-02-01): Final 1003

Reviewer Comment (2021-02-09): Final 1003 provided and input

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369100

19696293

01/28/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-02-09): Payoff dated xxxx provided Seller Comment (2021-02-01): Payoff Statement

Reviewer Comment (2021-02-09): Payoff dated xxxx provided

Cleared

02/09/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302401375

No Finding

Loan Completed Without Finding

Review Complete

03/08/2021

1

1

302336619

19770054

02/03/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Paystubs, VVOE - Employment Only

Reviewer Comment (2021-02-11): paystub and voe was provided by the lender Seller Comment (2021-02-08): VOE and Paystubs

Reviewer Comment (2021-02-11): paystub and voe was provided by the lender

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336619

19770534

02/03/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-02-11): Worksheet was provided by the lender. Seller Comment (2021-02-08): MA NTB worksheet

Reviewer Comment (2021-02-11): Worksheet was provided by the lender.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336619

19770537

02/03/2021

Compliance

Federal Compliance

Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Reviewer Comment (2021-02-19): Provided the original Security Instrument to reflect Same Lender.xxxx1 Seller Comment (2021-02-18): Please see uploaded prior recorded security instrument. This was a xxxx to xxxx refinance. The H-9 form is the correct right to cancel form. Reviewer Comment (2021-02-11): xxxx is the current lender but the title provided does not identify the originating lender for the previous mortgage. Seller Comment (2021-02-08): Please see Title. xxxx is the creditor/lender. Executed H-9 form is correct. Suspense invalid.

Reviewer Comment (2021-02-19): Provided the original Security Instrument to reflect Same Lender.xxxx1 Reviewer Comment (2021-02-11): xxxx is the current lender but the title provided does not identify the originating lender for the previous mortgage.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336619

19955680

02/19/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-02-23):xxxx:   Received payoff statement.  Exception has been cleared. Seller Comment (2021-02-22): Payoff Statement

Reviewer Comment (2021-02-23):xxxx:   Received payoff statement.  Exception has been cleared.

Cleared

02/23/2021

N

2

1

A

A

A

A

A

302336588

19865018

02/09/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-02-26): Worksheet provided. Seller Comment (2021-02-25): NTB

Reviewer Comment (2021-02-26): Worksheet provided.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372436

No Finding

Loan Completed Without Finding

Review Complete

02/12/2021

1

1

302398763

19571916

01/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Recording Fee Total.  Fee Amount of $344.00 exceeds tolerance of $339.00.  Sufficient or excess cure was provided to the borrower at Closing. (8202)

Reviewer Comment (2021-01-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302332743

19388550

xxxx  8:08:01 AM

Compliance

Federal Compliance

Commission Tax Documentation

Qualified Mortgage (Dodd-Frank 2014): xxxx income missing two years consecutive signed tax returns or tax transcripts (xxxx/xxxx)

Reviewer Comment (2021-02-26): Received the borrowers signed 2019 and 2018 tax returns. Buyer Comment (2021-02-25): tax returns provided Reviewer Comment (2021-02-04): W2 transcripts provided.  However, use of xxxx income requires two years signed/dated 1040's or tax transcripts. Buyer Comment (2021-02-02): Please find attached the 2018 and 2019 tax transcripts

Reviewer Comment (2021-02-26): Received the borrowers signed 2019 and 2018 tax returns. Reviewer Comment (2021-02-04): W2 transcripts provided.  However, use of xxxx income requires two years signed/dated 1040's or tax transcripts.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332743

19388551

xxxx  8:08:01 AM

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xxxx)

Reviewer Comment (2021-02-01): Borrower acknowledgment provided. Buyer Comment (2021-01-28): Acknowledgement

Reviewer Comment (2021-02-01): Borrower acknowledgment provided.

Cleared

02/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302332743

19388567

xxxx  8:10:09 AM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-26): Received the borrowers signed 2019 and 2018 tax returns.

Reviewer Comment (2021-02-26): Received the borrowers signed 2019 and 2018 tax returns.

Cleared

02/26/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302329398

19574374

01/16/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-09): Provided GAP LOX and updated VOE with corrections to start and end date for prior employer. Seller Comment (2021-02-01): Processor Cert and WVOE Reviewer Comment (2021-01-26): Received VVOE.  There is still a job gap from xxxx.  Please provide job gap letter. Seller Comment (2021-01-25): VVOE Reviewer Comment (2021-01-22): Missing gap letter.  Co-borrower has a job gap greater than 30 days between employment. Seller Comment (2021-01-21): WVOE

Reviewer Comment (2021-02-09): Provided GAP LOX and updated VOE with corrections to start and end date for prior employer. Reviewer Comment (2021-01-26): Received VVOE.  There is still a job gap from xxxx.  Please provide job gap letter. Reviewer Comment (2021-01-22): Missing gap letter.  Co-borrower has a job gap greater than 30 days between employment.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329398

19574375

01/16/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-09): Provided GAP LOX and updated VOE with corrections to start and end date for prior employer.

Reviewer Comment (2021-02-09): Provided GAP LOX and updated VOE with corrections to start and end date for prior employer.

Cleared

02/09/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302329398

19574376

01/16/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien

TRID Final Closing Disclosure xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xxxx)

Reviewer Comment (2021-01-26): Received seller CD. Seller Comment (2021-01-22): Final Seller CD

Reviewer Comment (2021-01-26): Received seller CD.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329398

19574377

01/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $5,713.40 exceeds tolerance of $5,604.00.  Sufficient or excess cure was provided to the borrower. (8304)

Reviewer Comment (2021-01-16): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2021-01-16): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302329398

19584606

01/19/2021

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-09): Received VOE.  There was only a job gap of 3 days. Seller Comment (2021-02-01): Processor Cert and WVOE Reviewer Comment (2021-01-26): Received VVOE.  There is still a job gap from xxxx to xxxx.  Please provide job gap letter. Seller Comment (2021-01-25): VVOE Reviewer Comment (2021-01-22): Missing gap letter.  Co-borrower has a job gap greater than 30 days between employment. Seller Comment (2021-01-20): WVOE prior employment

Reviewer Comment (2021-02-09): Received VOE.  There was only a job gap of 3 days. Reviewer Comment (2021-01-26): Received VVOE.  There is still a job gap from xxxx to xxxx.  Please provide job gap letter. Reviewer Comment (2021-01-22): Missing gap letter.  Co-borrower has a job gap greater than 30 days between employment.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372377

19806894

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $175.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. (75106)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302371048

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302290311

19515760

01/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $700.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-01-27): xxxx received PCCD, LOX and evidence of principal reduction. Seller Comment (2021-01-26): Please find the attachment Reviewer Comment (2021-01-19): A valid COC was not provided.  No reason for the increase.  Price should have been known prior to the service. Seller Comment (2021-01-16): COC

Reviewer Comment (2021-01-27): xxxx received PCCD, LOX and evidence of principal reduction. Reviewer Comment (2021-01-19): A valid COC was not provided.  No reason for the increase.  Price should have been known prior to the service.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302290311

19515762

01/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $101.80 exceeds tolerance of $100.00.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2021-01-27): xxxx received PCCD, LOX and evidence of principal reduction. Seller Comment (2021-01-26): Please find the attachment Reviewer Comment (2021-01-20): Cure of $1.62 not sufficient to cover transfer tax increase of $1.80 Seller Comment (2021-01-16): Rebuttal

Reviewer Comment (2021-01-27): xxxx received PCCD, LOX and evidence of principal reduction. Reviewer Comment (2021-01-20): Cure of $1.62 not sufficient to cover transfer tax increase of $1.80

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302290311

19537189

01/12/2021

Credit

General

Incomplete Document: 1003 Final is incomplete

Reviewer Comment (2021-01-19): Received full 1003. Seller Comment (2021-01-16): Co Borrower Final 1003 Reviewer Comment (2021-01-15): Page 2 provided but it was cutoff. Seller Comment (2021-01-14): Please find the attachment

Reviewer Comment (2021-01-19): Received full 1003. Reviewer Comment (2021-01-15): Page 2 provided but it was cutoff.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372376

19774052

02/03/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $275.00 exceeds tolerance of $160.00 plus 10% or $176.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302365576

No Finding

Loan Completed Without Finding

Review Complete

02/03/2021

1

1

302371047

19787606

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $200.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. (75106)

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-04): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302393405

19772742

02/03/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-02-12): An updated dec page with a policy period of xxxx to xxxx was provided by the lender. Seller Comment (2021-02-10): Updated HOI

Reviewer Comment (2021-02-12): An updated dec page with a policy period of xxxx to xxxx was provided by the lender.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393405

19782758

02/04/2021

Credit

General

Incomplete Document: 1003 Final is incomplete

Reviewer Comment (2021-02-12): Complete 1003 was provided by the lender. Seller Comment (2021-02-10): Final 1003

Reviewer Comment (2021-02-12): Complete 1003 was provided by the lender.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365575

19509707

01/11/2021

Compliance

Closing / Title

Missing Document: Note - Subject Lien not provided

Reviewer Comment (2021-01-19): Received note. Seller Comment (2021-01-16): Note

Reviewer Comment (2021-01-19): Received note.

Cleared

01/19/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302365575

19510449

01/11/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-01-19): Received RCE, coverage is sufficient. Seller Comment (2021-01-19): RCE

Reviewer Comment (2021-01-19): Received RCE, coverage is sufficient.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365575

19510566

01/11/2021

Compliance

Federal Compliance

Appendix Q Liabilities – Invalid Exclusion Basis

Qualified Mortgage (Dodd-Frank 2014): One or more liabilities have been excluded from DTI calculation for a prohibited reason.

Reviewer Comment (2021-01-19): 5% payment was included in DTI Seller Comment (2021-01-14): Rebuttal

Reviewer Comment (2021-01-19): 5% payment was included in DTI

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365575

19510567

01/11/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-19): 5% payment was included in DTI

Reviewer Comment (2021-01-19): 5% payment was included in DTI

Cleared

01/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302365575

19511066

01/11/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-01-15): Provided evidence of receipt Seller Comment (2021-01-12): Proof of delivery

Reviewer Comment (2021-01-15): Provided evidence of receipt

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365575

19511067

01/11/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $286.00 exceeds tolerance of $225.00 plus 10% or $247.50.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-01-11): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-11): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302323320

19624060

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender Required Survey Fee.  Fee Amount of $375.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75189)

Reviewer Comment (2021-01-29): xxxx received PCCD and LOE; exception is cured. Seller Comment (2021-01-26): Please find the attachment

Reviewer Comment (2021-01-29): xxxx received PCCD and LOE; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302408126

19821871

02/08/2021

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-23):xxxx:  Lender provided the 2019 W-2 for xxxx.  Exception has been cleared. Seller Comment (2021-02-22): VVOE Borrower 1 2019

Reviewer Comment (2021-02-23):xxxx:  Lender provided the 2019 W-2 for xxxx.  Exception has been cleared.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408126

19822149

02/08/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2019)

Reviewer Comment (2021-02-23):xxxx:  Duplicate exception. Seller Comment (2021-02-22): xxxx 2019 W2

Reviewer Comment (2021-02-23):xxxx:  Duplicate exception.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302387234

19754368

02/02/2021

Credit

Guideline Issue

The file contains copies of the borrower(s) Tax Transcripts but does not contain a copy of the Tax Returns as required by guidelines.

Reviewer Comment (2021-02-10): Received 2017 tax returns. Seller Comment (2021-02-04): 2017 1040 complete with signatures

Reviewer Comment (2021-02-10): Received 2017 tax returns.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302409392

19775896

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77187)

Reviewer Comment (2021-02-18): Cure provided. Seller Comment (2021-02-15): Rebuttal and PCCD

Reviewer Comment (2021-02-18): Cure provided.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302391410

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302303262

No Finding

Loan Completed Without Finding

Review Complete

01/28/2021

1

1

302303261

19688085

01/27/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien

TRID Final Closing Disclosure xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/xxxx)

Reviewer Comment (2021-02-12): xxxx received Seller CD.  Transaction was FSBO with no realtors and no seller costs. Seller Comment (2021-02-09): Please find the attached Rebuttal with Seller CD Reviewer Comment (2021-02-04): Provided Seller CD appears to be incomplete.  The document shows no fees of any kind, included RE Broker fees paid by the seller. Per, purchase contract Seller was responsible for xxxx fees at a minimum.  Please document no fees were paid by the seller, or provide a completed Seller CD. Seller Comment (2021-02-01): Please find the attached Seller CD

Reviewer Comment (2021-02-12): xxxx received Seller CD.  Transaction was FSBO with no realtors and no seller costs. Reviewer Comment (2021-02-04): Provided Seller CD appears to be incomplete.  The document shows no fees of any kind, included RE Broker fees paid by the seller. Per, purchase contract Seller was responsible for xxxx fees at a minimum.  Please document no fees were paid by the seller, or provide a completed Seller CD.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303261

19688086

01/27/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Have Escrow -  Monthly Escrow Payment

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclose the Monthly Escrow Payment. (Final/xxxx)

Reviewer Comment (2021-02-12): xxxx received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2021-02-10): Please find the attachment of PCCD with Non escrowed property cost

Reviewer Comment (2021-02-12): xxxx received Letter of Explanation & Corrected Closing Disclosure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302303261

19688087

01/27/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Have Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-12): xxxx received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2021-02-10): Please find the attachment of PCCD with Non escrowed property cost

Reviewer Comment (2021-02-12): xxxx received Letter of Explanation & Corrected Closing Disclosure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302303261

19688088

01/27/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow Account

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-12): xxxx received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2021-02-10): Please find the attachment of PCCD with Non escrowed property cost

Reviewer Comment (2021-02-12): xxxx received Letter of Explanation & Corrected Closing Disclosure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302304020

No Finding

Loan Completed Without Finding

Review Complete

01/26/2021

1

1

302319570

No Finding

Loan Completed Without Finding

Review Complete

01/19/2021

1

1

301595558

16936075

03/31/2020

Compliance

Federal Compliance

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Reviewer Comment (2020-04-11): Lender to lender refi with no new money.

Reviewer Comment (2020-04-11): Lender to lender refi with no new money.

Cleared

04/11/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

301595558

16936106

03/31/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 11.71 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2020-04-20): Received PCCD issuedxxxx and a closing statement reflecting less funds to close.  Reserves are sufficient.

Reviewer Comment (2020-04-20): Received PCCD issuedxxxx and a closing statement reflecting less funds to close.  Reserves are sufficient.

Cleared

04/20/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

301595558

16972401

04/02/2020

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302365574

19787859

02/05/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-12): Received hazard policy. Seller Comment (2021-02-12): Please find the attachment

Reviewer Comment (2021-02-12): Received hazard policy.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365574

19787864

02/05/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-12): Received hazard policy. Seller Comment (2021-02-12): Please find the attachment

Reviewer Comment (2021-02-12): Received hazard policy.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365574

19787866

02/05/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-12): Received final k-1. Seller Comment (2021-02-12): Please find the attachment

Reviewer Comment (2021-02-12): Received final k-1.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365574

19787867

02/05/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-12): Received final k-1. Seller Comment (2021-02-12): Please find the attachment

Reviewer Comment (2021-02-12): Received final k-1.

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302319569

19555330

01/14/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Escrowed Property Costs Year 1 -  October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 11,851.68 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-21): Letter of Explanation & Corrected Closing Disclosure Provided Seller Comment (2021-01-19): Please find the attachment.

Reviewer Comment (2021-01-21): Letter of Explanation & Corrected Closing Disclosure Provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302319569

19555331

01/14/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1382884)

Reviewer Comment (2021-02-08): Letter of Explanation, Proof of Delivery, and Corrected CD provided Seller Comment (2021-02-04): Please find that attached PCCD's from docusign that includes the docusign envelope ID number Reviewer Comment (2021-02-01): There is no indication on the trailing document forwarded, that the PCCD and LOE was received by the borrower.  Pleae provide doucmentation of delivery in order to cure. Seller Comment (2021-01-26): Proof of delivery Reviewer Comment (2021-01-21): Missing Proof of delivery of PCCD to borrower. Seller Comment (2021-01-19): Please find the attachment.

Reviewer Comment (2021-02-08): Letter of Explanation, Proof of Delivery, and Corrected CD provided Reviewer Comment (2021-02-01): There is no indication on the trailing document forwarded, that the PCCD and LOE was received by the borrower.  Pleae provide doucmentation of delivery in order to cure. Reviewer Comment (2021-01-21): Missing Proof of delivery of PCCD to borrower.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302319569

19555332

01/14/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $23.56 exceeds tolerance of $22.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-14): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302409367

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302400059

19583555

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan).  Fee Amount of $93.89 exceeds tolerance of $87.00.  Insufficient or no cure was provided to the borrower. (7580)

Reviewer Comment (2021-02-02): Sufficient cure was provided at closing. Seller Comment (2021-01-27): Please find the attachment

Reviewer Comment (2021-02-02): Sufficient cure was provided at closing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302372400

19659020

01/25/2021

Compliance

Federal Compliance

Rental Income Documentation - 25% Method

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement not provided or % of gross rents used is greater than 75%. (xxxx/25% Vacancy Method)

Reviewer Comment (2021-02-03): Received lease agreement. Seller Comment (2021-01-30): Lease agreement

Reviewer Comment (2021-02-03): Received lease agreement.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372400

19659021

01/25/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - REO 25% Method

Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. (xxxx/25% Vacancy Method)

Reviewer Comment (2021-02-03): Received lease agreement. Seller Comment (2021-01-30): Property Detail

Reviewer Comment (2021-02-03): Received lease agreement.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372400

19659022

01/25/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-03): Received lease agreement. Seller Comment (2021-01-30): Lease Agreement

Reviewer Comment (2021-02-03): Received lease agreement.

Cleared

02/03/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302372400

19659113

01/25/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-03): Received lease agreement.

Reviewer Comment (2021-02-03): Received lease agreement.

Cleared

02/03/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302372400

19696671

01/28/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Lease Agreement

Reviewer Comment (2021-02-03): Received lease agreement. Seller Comment (2021-01-30): Lease agreement

Reviewer Comment (2021-02-03): Received lease agreement.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372399

19773874

02/03/2021

Credit

General

Missing Document: HUD/CD (Asset) not provided

Reviewer Comment (2021-02-16): Received final signed/dated settlement statement verifying proceeds from sale of departing residence. Seller Comment (2021-02-15): Final Settlement and supporting documents Reviewer Comment (2021-02-10):xxxx:  Unable to clear.  Document sent is not the final signed/dated copy of HUD/CD.   Please provide the final copy.   Exception remains open. Seller Comment (2021-02-04): Departing residence evidence

Reviewer Comment (2021-02-16): Received final signed/dated settlement statement verifying proceeds from sale of departing residence. Reviewer Comment (2021-02-10):xxxx:  Unable to clear.  Document sent is not the final signed/dated copy of HUD/CD.   Please provide the final copy.   Exception remains open.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335613

19772550

02/03/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-12): 2017 returns provided. Seller Comment (2021-02-11): 2017 Taxes and transcripts

Reviewer Comment (2021-02-12): 2017 returns provided.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335613

19772551

02/03/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-12): 2017 returns provided.

Reviewer Comment (2021-02-12): 2017 returns provided.

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302372398

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302228019

19899332

02/12/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-03-03): 3/3/2021:  Received electronic delivery receipt of appraisal.   Exception has been cleared. Seller Comment (2021-03-01): Appraisal delivery

Reviewer Comment (2021-03-03): 3/3/2021:  Received electronic delivery receipt of appraisal.   Exception has been cleared.

Cleared

03/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302228019

19899334

02/12/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 15,570.00 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-03): 3/3/2021:  Lender using a higher tax amount than what is reflected on Tax Certificate for this loan that is not being escrowed.  Exception has been cleared. Seller Comment (2021-03-01): PCCD

Reviewer Comment (2021-03-03): 3/3/2021:  Lender using a higher tax amount than what is reflected on Tax Certificate for this loan that is not being escrowed.  Exception has been cleared.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228019

19899351

02/12/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-03-11):xxxx:  Received the corrected CD and the letter of explanation.   Exception has been cured. Seller Comment (2021-03-09): LOE Reviewer Comment (2021-03-03): 3/3/2021:  Unable to clear.  Received the Corrected CD only.   Missing the letter of explanation.  Exception remains open. Seller Comment (2021-03-01): Please see PCCD

Reviewer Comment (2021-03-11):xxxx:  Received the corrected CD and the letter of explanation.   Exception has been cured. Reviewer Comment (2021-03-03): 3/3/2021:  Unable to clear.  Received the Corrected CD only.   Missing the letter of explanation.  Exception remains open.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302228019

19900464

02/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $645.00 exceeds tolerance of $640.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302319601

19992173

02/23/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC).  Fee Amount of $195.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77208)

Reviewer Comment (2021-03-11):xxxx:  Received additional clarification on fee.    Title Co that borrower chose is responsible for the fee.  Exception has been cleared. Seller Comment (2021-03-09): Please re-review. Borrower chose title co. No tolerance applies.  Per lender: The Title company is not one of our preferred title companies on the SSPL so this would not require a CIC Form stating the change in title fees.

Reviewer Comment (2021-03-11):xxxx:  Received additional clarification on fee.    Title Co that borrower chose is responsible for the fee.  Exception has been cleared.

Cleared

03/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302319601

19992310

02/23/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Transcripts (2018), Transcripts (2019)

Reviewer Comment (2021-03-15): 2018 and 2019 Wage and Income Transcripts provided and associated. Seller Comment (2021-03-12): 18 & 19 transcripts attached

Reviewer Comment (2021-03-15): 2018 and 2019 Wage and Income Transcripts provided and associated.

Cleared

03/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332628

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302303228

19934894

02/17/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-03-11): Evidence of appraisal delivery provided. Seller Comment (2021-03-10): Acknowledgement of delivery Reviewer Comment (2021-03-03): 3/3/2021:  Unable to clear.  Report date is xxxx.  Missing the proof of delivery of appraisal to the borrower.  Exception remains open. Seller Comment (2021-03-01): Appraisal delivery

Reviewer Comment (2021-03-11): Evidence of appraisal delivery provided. Reviewer Comment (2021-03-03): 3/3/2021:  Unable to clear.  Report date is xxxx.  Missing the proof of delivery of appraisal to the borrower.  Exception remains open.

Cleared

03/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302271773

19949660

02/18/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-03-05): Signed business returns provided. Seller Comment (2021-03-04): Uploaded 2018 & 2019 signed Business Returns & borrower Transcripts

Reviewer Comment (2021-03-05): Signed business returns provided.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271773

19949661

02/18/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-05): Signed business returns provided. Seller Comment (2021-03-04): Uploaded 2018 & 2019 signed Business Returns & borrower Transcripts

Reviewer Comment (2021-03-05): Signed business returns provided.

Cleared

03/05/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302286875

19959309

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,025.00 exceeds tolerance of $850.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302202004

19389196

xxxx  9:18:36 AM

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-02-01): Delivery documented. Buyer Comment (2021-01-29): Uploaded document tracking

Reviewer Comment (2021-02-01): Delivery documented.

Cleared

02/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302202004

19403587

01/04/2021

Compliance

Federal Compliance

TRID Closing Disclosure Status Test

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided or Closing Disclosure not provided prior to closing. Any applicable Federal, State or Local compliance testing is unreliable or not performed. Loan is subject to high cost testing.

Reviewer Comment (2021-02-01): Signed scriveners affidavit provided amending notary date to xxxx Reviewer Comment (2021-01-20): xxxx received 11/17 CD however the exception is due to the consummation date on the security instrument is xxxxIf the notary date is incorrect  these types of issues are addressed with a Scrivener's Affidavit identifying the incorrect date that was completed by the notary and the correct date. Depending on the county, these are often recorded to augment the existing security instrument, but the security instrument is not re-recorded. The title company involved in the transaction can probably provide guidance for the specific county. With the Scrivener's Affidavit completed by the Notary, we can alter the date for the compliance testing. Buyer Comment (2021-01-13): Uploaded CD

Reviewer Comment (2021-02-01): Signed scriveners affidavit provided amending notary date to xxxx Reviewer Comment (2021-01-20): xxxx received 11/17 CD however the exception is due to the consummation date on the security instrument is xxxxIf the notary date is incorrect  these types of issues are addressed with a Scrivener's Affidavit identifying the incorrect date that was completed by the notary and the correct date. Depending on the county, these are often recorded to augment the existing security instrument, but the security instrument is not re-recorded. The title company involved in the transaction can probably provide guidance for the specific county. With the Scrivener's Affidavit completed by the Notary, we can alter the date for the compliance testing.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302202004

19403588

01/04/2021

Compliance

Federal Compliance

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxx not received by borrower at least four (4) business days prior to closing. (Interxxxx020)

Reviewer Comment (2021-02-01): Signed scriveners affidavit provided to amend notary date to xxxx Buyer Comment (2021-01-29): Uploaded Scrivener's Affidavit Reviewer Comment (2021-01-20): xxxx received LE however the exception is due to the consummation date on the security instrument is xxxxIf the notary date is incorrect  these types of issues are addressed with a Scrivener's Affidavit identifying the incorrect date that was completed by the notary and the correct date. Depending on the county, these are often recorded to augment the existing security instrument, but the security instrument is not re-recorded. The title company involved in the transaction can probably provide guidance for the specific county. Buyer Comment (2021-01-13): Uploaded LE

Reviewer Comment (2021-02-01): Signed scriveners affidavit provided to amend notary date to xxxx Reviewer Comment (2021-01-20): xxxx received LE however the exception is due to the consummation date on the security instrument is xxxxIf the notary date is incorrect  these types of issues are addressed with a Scrivener's Affidavit identifying the incorrect date that was completed by the notary and the correct date. Depending on the county, these are often recorded to augment the existing security instrument, but the security instrument is not re-recorded. The title company involved in the transaction can probably provide guidance for the specific county.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302202004

19403589

01/04/2021

Compliance

Federal Compliance

Right of Rescission Timing - Receipt Date Missing

Missing Final Closing Disclosure Received Date. Unable to determine compliance with rescission timing requirements.

Reviewer Comment (2021-02-01): Signed scriveners affidavit provided to amend notary date to xxxx Reviewer Comment (2021-01-12): Exception language revised to reflect xxxxlosing date. Buyer Comment (2021-01-07): Please re-review. Exception valid but Note date and Closing date xxxx

Reviewer Comment (2021-02-01): Signed scriveners affidavit provided to amend notary date to xxxx Reviewer Comment (2021-01-12): Exception language revised to reflect xxxxlosing date.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318089

19616246

01/21/2021

Compliance

Federal Compliance

K-1 Documentation

Qualified Mortgage (Dodd-Frank 2014): Required K-1s or signed tax returns/transcripts not provided for K-1 (Less than 25% Ownership) income. (xxxx/Schedule K-1 less than 25 Percent)

Reviewer Comment (2021-02-19): Provided 2 years executed 1040's Buyer Comment (2021-02-18): see uploads. Reviewer Comment (2021-02-08): K1 provided.  Missing signed/dated personal tax returns or transcripts. Buyer Comment (2021-02-04): K1

Reviewer Comment (2021-02-19): Provided 2 years executed 1040's Reviewer Comment (2021-02-08): K1 provided.  Missing signed/dated personal tax returns or transcripts.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318089

19616297

01/21/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-22): SHQM Loan Buyer Comment (2021-02-19): Needs to be cleared

Reviewer Comment (2021-02-22): SHQM Loan

Cleared

02/22/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302318089

19616298

01/21/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-02-04): xxxx recieved12/09 CD Buyer Comment (2021-02-01): Uploaded initial CD.

Reviewer Comment (2021-02-04): xxxx recieved12/09 CD

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318089

19677961

01/26/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Savings / Account Number: xxxx

Reviewer Comment (2021-02-09): Cleared. Buyer Comment (2021-02-08): Is the condition cleared or is other documentation needed? Reviewer Comment (2021-02-08): Documentation provided that this is a new account. Buyer Comment (2021-02-05): Please find an LOX indicating the account is newly established. The statement in the file also confirms the account is new.

Reviewer Comment (2021-02-09): Cleared. Reviewer Comment (2021-02-08): Documentation provided that this is a new account.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288965

19731453

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7319)

Reviewer Comment (2021-02-09): Received a valid COC. Seller Comment (2021-02-05): coc adding fee

Reviewer Comment (2021-02-09): Received a valid COC.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305735

19584553

01/19/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-01-22): Received evidence of 2 year employment history. Seller Comment (2021-01-21): Final 1003-dates reflect two year work history

Reviewer Comment (2021-01-22): Received evidence of 2 year employment history.

Cleared

01/22/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302305756

No Finding

Loan Completed Without Finding

Review Complete

01/19/2021

1

1

302327078

19780353

02/04/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-05): Client acknowledged based on meeting the lender guidelines.

Reviewer Comment (2021-02-05): Client acknowledged based on meeting the lender guidelines.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302280931

No Finding

Loan Completed Without Finding

Review Complete

01/28/2021

1

1

302130086

19281431

xxxx  11:15:42 AM

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-01-15): Received balance sheet. Seller Comment (2021-01-13): balance sheet Reviewer Comment (2020-12-29): Tax returns in file. Missing Balance sheet for xxxx and xxxx/Schedule C) Seller Comment (2020-12-23): TAX RETURNS

Reviewer Comment (2021-01-15): Received balance sheet. Reviewer Comment (2020-12-29): Tax returns in file. Missing Balance sheet for xxxx and xxxx/Schedule C)

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302130086

19281432

xxxx  11:15:55 AM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-15): Received balance sheet.

Reviewer Comment (2021-01-15): Received balance sheet.

Cleared

01/15/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302243712

19277757

xxxx  11:27:32 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 737.88 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-08): Received appraisal with HOA fee. Seller Comment (2021-01-05): appraisal

Reviewer Comment (2021-01-08): Received appraisal with HOA fee.

Cleared

01/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243712

19277758

xxxx  11:27:32 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2020-12-17): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-17): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302243712

19305924

xxxx  3:49:21 AM

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-01-15): Received P&L.  Minimal loss. Buyer Comment (2021-01-11): This is a Schedule C business and we do not feel a balance sheet is required per Appendix Q and/or FNMA.   Below is the information provided regarding this: Additional documentation for a sole proprietorship is not required per appendix Q Per FNMA/COVID requirements – we need a P & L/not balance sheet Per our guidelines – we follow Appendix Q first and FNMA if not addressed by either FB directly or Appendix Q Cut/copy from Appendix Q   Cut/copy FNMA/COVID requirements – does not require balance sheet – only P & L Application taken xxxx • an audited year-to-date profit and loss statement reporting business revenue, expenses, and net income up to and including the most recent month preceding the loan application date; or • an unaudited year-to-date profit and loss statement signed by the borrower reporting business revenue, expenses, and net income up to and including the most recent month preceding the loan application date, and two business depository account(s) statements no older than the                 latest two months represented on the year-to-date profit and loss statement Reviewer Comment (2021-01-08): Received P&L.  Missing balance sheet. Seller Comment (2021-01-07): PL Reviewer Comment (2020-12-28): P&L and balance sheet were not provided. Seller Comment (2020-12-22): p&l

Reviewer Comment (2021-01-15): Received P&L.  Minimal loss. Reviewer Comment (2021-01-08): Received P&L.  Missing balance sheet. Reviewer Comment (2020-12-28): P&L and balance sheet were not provided.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243712

19305925

xxxx  3:49:21 AM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-15): Received P&L.  Minimal loss. Buyer Comment (2021-01-11): This is a Schedule C business and we do not feel a balance sheet is required per Appendix Q and/or FNMA.   Below is the information provided regarding this: Additional documentation for a sole proprietorship is not required per appendix Q Per FNMA/COVID requirements – we need a P & L/not balance sheet Per our guidelines – we follow Appendix Q first and FNMA if not addressed by either FB directly or Appendix Q Cut/copy from Appendix Q   Cut/copy FNMA/COVID requirements – does not require balance sheet – only P & L Application taken xxxx • an audited year-to-date profit and loss statement reporting business revenue, expenses, and net income up to and including the most recent month preceding the loan application date; or • an unaudited year-to-date profit and loss statement signed by the borrower reporting business revenue, expenses, and net income up to and including the most recent month preceding the loan application date, and two business depository account(s) statements no older than the                 latest two months represented on the year-to-date profit and loss statement Reviewer Comment (2021-01-08): Received P&L.  Missing balance sheet. Seller Comment (2021-01-07): PL Reviewer Comment (2020-12-28): P&L and balance sheet were  not provided. Seller Comment (2020-12-22): pl

Reviewer Comment (2021-01-15): Received P&L.  Minimal loss. Reviewer Comment (2021-01-08): Received P&L.  Missing balance sheet. Reviewer Comment (2020-12-28): P&L and balance sheet were  not provided.

Cleared

01/15/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302243712

19305926

xxxx  4:02:24 AM

Credit

Document Error

YTD Date is dated more than 90 days before the application date.

Borrower: xxxx // Employment Type: Employment / Income Type: Sole Proprietor / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: K-1 (< 25%) / Start Date: xxxx

Reviewer Comment (2021-01-08): Received tax returns and K-1's. Seller Comment (2021-01-07): PL Reviewer Comment (2020-12-28): P&L and balance sheet was not provided. Seller Comment (2020-12-23): RETURNS

Reviewer Comment (2021-01-08): Received tax returns and K-1's. Reviewer Comment (2020-12-28): P&L and balance sheet was not provided.

Cleared

01/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243712

19305927

xxxx  4:04:11 AM

Credit

Application / Processing

HOA Error: HOA dues not provided.

Valuation Type: Appraisal / Valuation Report Date: xxxx

Reviewer Comment (2021-01-08): Received appraisal with HOA fee. Seller Comment (2021-01-05): appraisal

Reviewer Comment (2021-01-08): Received appraisal with HOA fee.

Cleared

01/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173865

19588197

01/19/2021

Property

Appraisal Documentation

Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.

Valuation Type: Appraisal / Valuation Report Date: xxxx

Reviewer Comment (2021-02-05): Received 442 cert. Seller Comment (2021-02-01): final inspection

Reviewer Comment (2021-02-05): Received 442 cert.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307738

19400797

01/03/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-01): Balance sheet provided. Buyer Comment (2021-01-28): Signed and dated Balance sheet attached

Reviewer Comment (2021-02-01): Balance sheet provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307738

19400798

01/03/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-01): Balance sheet provided.

Reviewer Comment (2021-02-01): Balance sheet provided.

Cleared

02/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302307738

19509249

01/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-11): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-11): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302304047

19447329

01/05/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-01-26): CDA with 0% variance provided. Buyer Comment (2021-01-25): see attached

Reviewer Comment (2021-01-26): CDA with 0% variance provided.

Cleared

01/26/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302367067

19962620

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $510.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302367067

19962621

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $97.00 exceeds tolerance of $95.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-19): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302367067

19962656

02/19/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-24): 2017 1040 provided. Seller Comment (2021-03-23): please clear - all documents have been provided

Reviewer Comment (2021-03-24): 2017 1040 provided.

Cleared

03/24/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302367067

19962657

02/19/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Homeowners Insurance Included In Escrow

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/xxxx)

Reviewer Comment (2021-03-03): Amounts documented. Seller Comment (2021-02-26): Re Review: CD datedxxxxection (estimated taxes, ins & assessment) selected NO to Homeowners insurance and Some Flood ins. Page 4 (Loan Disclosure) section properly discloses flood insurance under Escrowed Property cost.

Reviewer Comment (2021-03-03): Amounts documented.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367067

19968499

02/22/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-03-22): 1040's for 2017-2019 provided however only 2019 has a Schedule D showing a loss. Seller Comment (2021-03-19): see attached

Reviewer Comment (2021-03-22): 1040's for 2017-2019 provided however only 2019 has a Schedule D showing a loss.

Cleared

03/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367067

19968695

02/22/2021

Credit

Title / Lien Defect

Final Title Policy is missing. No evidence of title in file.

Reviewer Comment (2021-03-03): Final title provided. Seller Comment (2021-03-02): uploaded title

Reviewer Comment (2021-03-03): Final title provided.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302264846

19389180

xxxx  9:17:46 AM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-01-15): VOE prior to disbursement.  Acceptable. Buyer Comment (2021-01-15): The VVOE 12/04 was prior to loan disbursement xxxx; see uploads.

Reviewer Comment (2021-01-15): VOE prior to disbursement.  Acceptable.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302264846

19389318

xxxx  9:30:42 AM

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $60.00 plus 10% or $66.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302264846

19389319

xxxx  9:30:42 AM

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-01-15): Lender to lender refi with no new money to the borrower. Buyer Comment (2021-01-12): Please re-review for exclusion from rescission requirement under 1026.23(f). The difference between Amount Financed and the payoff is less than the Costs of refinancing.

Reviewer Comment (2021-01-15): Lender to lender refi with no new money to the borrower.

Cleared

01/15/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302264846

19404567

01/04/2021

Credit

Credit Documentation

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Reviewer Comment (2021-02-02): Rental documentation provided. Buyer Comment (2021-01-29): Uploaded various VOR docs (Lease, addendums, bank statements).

Reviewer Comment (2021-02-02): Rental documentation provided.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302330596

19682968

01/27/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-02-07): Explanation acceptable. Buyer Comment (2021-02-01): 2 liens paid off with subject transaction. 2 lien does not belong to xxxx. As the H-9 does not apply please re-review and clear.

Reviewer Comment (2021-02-07): Explanation acceptable.

Cleared

02/07/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302330596

19798012

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $158.00 exceeds tolerance of $95.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302327835

19945491

02/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $983.34 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302244535

19220653

xxxx  3:52:37 PM

Compliance

Federal Compliance

Commission Tax Documentation

Qualified Mortgage (Dodd-Frank 2014): xxxx income missing two years consecutive signed tax returns or tax transcripts (xxxx/xxxx)

Reviewer Comment (2021-01-20): Signed and dated 1040's provided. Buyer Comment (2021-01-18): 2019 signed tax  returns attached Buyer Comment (2021-01-18): 2018 signed tax returns attached Reviewer Comment (2021-01-06): W2/1099 transcripts provided.  Appendix Q requires 2 years of signed tax returns in order to use xxxx income for qualifying. Buyer Comment (2020-12-29): 2018 and 2019 Tax Transcripts attached

Reviewer Comment (2021-01-20): Signed and dated 1040's provided. Reviewer Comment (2021-01-06): W2/1099 transcripts provided.  Appendix Q requires 2 years of signed tax returns in order to use xxxx income for qualifying.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302244535

19220661

xxxx  3:52:37 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-20): Signed and dated 1040's provided.

Reviewer Comment (2021-01-20): Signed and dated 1040's provided.

Cleared

01/20/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302244535

19240153

xxxx  11:01:57 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,400.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2020-12-14): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-14): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302269287

19384425

xxxx  1:59:17 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-01-15): VOE within 5 days of Note provided. Buyer Comment (2021-01-12): VVOE uploaded.

Reviewer Comment (2021-01-15): VOE within 5 days of Note provided.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269287

19388826

xxxx  8:38:23 AM

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-01-15): VOR provided. Buyer Comment (2021-01-12): VOR uploaded

Reviewer Comment (2021-01-15): VOR provided.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269287

19389025

xxxx  9:02:20 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $167.48 exceeds tolerance of $95.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302065380

19567615

01/15/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-12): Lender attests that subject is not located near declared disaster area. Seller Comment (2021-02-10): xxxx policy groups have conducted thorough reviews and have permitted properties located in certain zip codes to close without requiring the additional inspection.  This was a risk call based on fire containment determination, as well as location of the properties in regard to the fires being that the FEMA site only has them listed per county.  This has been approved on several other files already. See attestation from borrower stating property has no damage from the wildfires.

Reviewer Comment (2021-02-12): Lender attests that subject is not located near declared disaster area.

Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302065380

19567844

01/15/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,335.00 exceeds tolerance of $1,210.00 plus 10% or $1,331.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-03-08): xxxx received PCCD indicating cure, LOE, and refund check. Seller Comment (2021-03-02): cd, check and lox Reviewer Comment (2021-02-14): There was an undocumented increase in the settlement fee from $165 to $500. Buyer Comment (2021-02-10): The recording fee basis from the final LE was $395 and the fee decreased to $135.  The title fees also decreased from the final LE. No cure is needed.

Reviewer Comment (2021-03-08): xxxx received PCCD indicating cure, LOE, and refund check. Reviewer Comment (2021-02-14): There was an undocumented increase in the settlement fee from $165 to $500.

Cleared

03/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302065380

19567845

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $3,962.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-02-14): Received a valid COC. Seller Comment (2021-02-10): Please see the attached COC. The fee changed several times with lock updates. No cure is needed.

Reviewer Comment (2021-02-14): Received a valid COC.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302065380

19567846

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-02-18): xxxx received changed circumstance with additional information. Buyer Comment (2021-02-15): Per the COC provided, the fee was added when the product was changed to xxxx. Reviewer Comment (2021-02-14): COC does not reflect a reason for the addition of the fee. Seller Comment (2021-02-10): Please see the attached change of circumstance. The fee was disclosed to the borrower when the product was updated on 08-23-20.

Reviewer Comment (2021-02-18): xxxx received changed circumstance with additional information. Reviewer Comment (2021-02-14): COC does not reflect a reason for the addition of the fee.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302065380

20146404

03/08/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,335.00 exceeds tolerance of $1,210.00 plus 10% or $1,331.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (0)

Reviewer Comment (2021-03-08): xxxx received PCCD indicating cure, LOE, and refund check.

Reviewer Comment (2021-03-08): xxxx received PCCD indicating cure, LOE, and refund check.

Cured

N

3

2

B

B

B

B

B

302183935

19132599

12/01/2020

Property

Valuation Issue

Property is in a declining market.

Valuation Type: Appraisal / Valuation Report Date: xxxx

Reviewer Comment (2021-01-26): Appraiser revision provided indicating stable market. Buyer Comment (2021-01-25): see attached updated appraisal - stable Reviewer Comment (2021-01-19): Guideline maximum LTV reduced to 70% due to declining market. Buyer Comment (2021-01-12): Appraiser comments declining market attached.  Guidelines also require a 10% reduction to LTV.  LTV needs to be reduced to 70%

Reviewer Comment (2021-01-26): Appraiser revision provided indicating stable market. Reviewer Comment (2021-01-19): Guideline maximum LTV reduced to 70% due to declining market.

Cleared

01/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302183935

19135187

12/01/2020

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-01-12): Verification of dates provided. Buyer Comment (2021-01-12): Third party verification of employment for xxxx attached Reviewer Comment (2020-12-21): Third party verification is required. Buyer Comment (2020-12-17): uploaded 1003 and taxes to clear exceptions.

Reviewer Comment (2021-01-12): Verification of dates provided. Reviewer Comment (2020-12-21): Third party verification is required.

Cleared

01/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302183935

19135190

12/01/2020

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-01-12): xxxx received earlier e-consent Buyer Comment (2021-01-06): e consent

Reviewer Comment (2021-01-12): xxxx received earlier e-consent

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302183935

19136314

12/01/2020

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-01-12): Lease provided. Buyer Comment (2021-01-06): Lease uploaded Reviewer Comment (2020-12-22): Sch E provided but guidelines state that lease is required whenever rental income is being used to qualify. Buyer Comment (2020-12-21): Schedule E was provided in the tax returns. Please review

Reviewer Comment (2021-01-12): Lease provided. Reviewer Comment (2020-12-22): Sch E provided but guidelines state that lease is required whenever rental income is being used to qualify.

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302183935

19136315

12/01/2020

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-12): Lease provided. Buyer Comment (2021-01-12): third party verification attached Reviewer Comment (2020-12-22): Please provided third party verification of prior employment dates. Buyer Comment (2020-12-17): uploaded documents to clear QM

Reviewer Comment (2021-01-12): Lease provided. Reviewer Comment (2020-12-22): Please provided third party verification of prior employment dates.

Cleared

01/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302332792

19643603

01/22/2021

Compliance

Federal Compliance

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Reviewer Comment (2021-02-04): RTC provided. Buyer Comment (2021-02-02): Uploaded ROR

Reviewer Comment (2021-02-04): RTC provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302214441

19044580

xxxx  3:25:07 PM

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-01-19): Verification of prior employment dates provided. Buyer Comment (2021-01-15): VOE uploaded Reviewer Comment (2021-01-13): W2 transcripts provided but do not meet Appendix Q requirements.  Please provide third party documentation of borrower's prior employment start/end dates. Buyer Comment (2021-01-08): VOE uploaded

Reviewer Comment (2021-01-19): Verification of prior employment dates provided. Reviewer Comment (2021-01-13): W2 transcripts provided but do not meet Appendix Q requirements.  Please provide third party documentation of borrower's prior employment start/end dates.

Cleared

01/19/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302214441

19044581

xxxx  3:25:07 PM

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Buyer Comment (2020-12-29): Borrower received complete appraisal on or after the Effective Date of the Appraisal but prior to the UW requested appraisal revision. The UW requested appraisal revision triggered a new Appraiser signature date, but did not affect the value of the property. Appraisal with UW requested revision was not sent to the borrower(s). No further documentation required to acknowledge exception. Buyer Comment (2020-12-29): LOE

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302214441

19046126

xxxx  6:47:09 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Transcripts (2018), Transcripts (2019)

Reviewer Comment (2020-12-18): Transcripts provided. Buyer Comment (2020-12-16): Transcripts uploaded

Reviewer Comment (2020-12-18): Transcripts provided.

Cleared

xxxx  12:28:37 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302114061

19578077

01/18/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Cleared

03/17/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302114061

19578078

01/18/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Transcripts (2018), Transcripts (2019), VVOE - Employment Only

Reviewer Comment (2021-03-17): VVOE provided. Buyer Comment (2021-03-16): VVOE attached Reviewer Comment (2021-02-26):xxxx:  Received tax transcripts only.   Missing the VVOE within 5 business days prior to closing.   Exception remains open. Buyer Comment (2021-02-25): see attached

Reviewer Comment (2021-03-17): VVOE provided. Reviewer Comment (2021-02-26):xxxx:  Received tax transcripts only.   Missing the VVOE within 5 business days prior to closing.   Exception remains open.

Cleared

03/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316125

20020071

02/25/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-03-19): Tracking disclosure summary provided indicating 1st Appraisal provided date as xxxx Seller Comment (2021-03-18): Please waive: Borrower received complete appraisal on or after the Effective Date of the Appraisal but prior to the UW requested appraisal revision. The UW requested appraisal revision triggered a new Appraiser signature date, but did not affect the value of the property. Appraisal with UW requested revision was not sent to the borrower(s). No further documentation required to acknowledge exception. Reviewer Comment (2021-03-18):xxxx:  Unable to clear.   Creditor did not provide a copy of valuation to borrower 3 business days prior to closing.   Exception remains open. Seller Comment (2021-03-17): LOE

Reviewer Comment (2021-03-19): Tracking disclosure summary provided indicating 1st Appraisal provided date as xxxx Reviewer Comment (2021-03-18):xxxx:  Unable to clear.   Creditor did not provide a copy of valuation to borrower 3 business days prior to closing.   Exception remains open.

Cleared

03/19/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302316125

20020084

02/25/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-03-18):xxxx:  Received Initial CD.   Exception has been cleared. Seller Comment (2021-03-17): Initial CD

Reviewer Comment (2021-03-18):xxxx:  Received Initial CD.   Exception has been cleared.

Cleared

03/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316125

20280159

03/19/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-03-22): Client elects to waive. Seller Comment (2021-03-20): Please waive; lender acknowledged non material EV 2

Reviewer Comment (2021-03-22): Client elects to waive.

Waived

N

2

2

B

B

B

B

B

302116139

18978477

xxxx  3:19:27 PM

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2020-12-08): Verification of rent for 3 years provided. Buyer Comment (2020-12-08): see attached

Reviewer Comment (2020-12-08): Verification of rent for 3 years provided.

Cleared

12/08/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302174098

19582466

01/19/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-10): Signed/dated business and personal returns provided. Buyer Comment (2021-02-09): Signed tax returns

Reviewer Comment (2021-02-10): Signed/dated business and personal returns provided.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302174098

19582470

01/19/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-04): Receipt dates documented. Buyer Comment (2021-02-02): Uploaded initial executed CD

Reviewer Comment (2021-02-04): Receipt dates documented.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302174098

19582471

01/19/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-04): Earlier electronic consent date documented. Buyer Comment (2021-02-02): Uploaded e-consent

Reviewer Comment (2021-02-04): Earlier electronic consent date documented.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302174098

19583026

01/19/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-10): Signed/dated business and personal returns provided. Buyer Comment (2021-02-09): Signed tax returns

Reviewer Comment (2021-02-10): Signed/dated business and personal returns provided.

Cleared

02/10/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302174098

19592401

01/20/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-02-16): Delivery dates documented for both appraisals. Buyer Comment (2021-02-16): See D026 showing updated appraisal sent to borrower Buyer Comment (2021-02-16): Uploaded lender LOE for CDA receipt

Reviewer Comment (2021-02-16): Delivery dates documented for both appraisals.

Cleared

02/16/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302174098

19592402

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-01-20): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-20): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302174098

19651992

01/24/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/xxxx)

Buyer Comment (2021-02-10): Lender ordered CD to meet due diligence requirements; cost not passed to borrower and copy not provided to borrower; non material EV2 Buyer Comment (2021-02-09): Uploaded LOE Reviewer Comment (2021-02-04): Unable to find specific reference to the appraisal on tracking documents provided. Buyer Comment (2021-02-02): Uploaded document tracking Buyer Comment (2021-01-25): Should be assigned to seller. Buyer Comment (2021-01-25): This condition was set twice.

Reviewer Comment (2021-02-04): Unable to find specific reference to the appraisal on tracking documents provided.

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302173069

19183502

12/07/2020

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-01-04): xxxx received 11/09 CD received the same day issued.

Reviewer Comment (2021-01-04): xxxx received 11/09 CD received the same day issued.

Cleared

01/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302150283

19211087

xxxx  3:45:17 PM

Credit

Credit Documentation

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Reviewer Comment (2021-01-18): Adequately documented via bank statements and divorce/alimony documentation. Buyer Comment (2021-01-14): VOR/VOM uploaded

Reviewer Comment (2021-01-18): Adequately documented via bank statements and divorce/alimony documentation.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302150283

19211132

xxxx  3:50:23 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Divorce Decree

Reviewer Comment (2021-01-07): Divorce decree provided. Buyer Comment (2021-01-06): proof of receipt of child support

Reviewer Comment (2021-01-07): Divorce decree provided.

Cleared

01/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302150283

19211643

xxxx  4:40:04 PM

Compliance

Federal Compliance

Alimony Child Support Maintenance Income

Qualified Mortgage (Dodd-Frank 2014): Alimony/Child Support/Maintenance income verification requirement not met. (xxxx)/Alimony)

Reviewer Comment (2021-01-07): Divorce decree provided. Buyer Comment (2020-12-29): Divorce decree uploaded

Reviewer Comment (2021-01-07): Divorce decree provided.

Cleared

01/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302150283

19211659

xxxx  4:40:37 PM

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Buyer Comment (2020-12-30): Borrower received complete appraisal on or after the Effective Date of the Appraisal but prior to the UW requested appraisal revision. The UW requested appraisal revision triggered a new Appraiser signature date, but did not affect the value of the property. Appraisal with UW requested revision was not sent to the borrower(s). No further documentation required to acknowledge exception

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302150283

19211676

xxxx  4:43:16 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-07): Divorce decree provided.

Reviewer Comment (2021-01-07): Divorce decree provided.

Cleared

01/07/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302150283

19211693

xxxx  4:45:07 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,828.13 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-01-14): xxxx received attestation regarding issue date of 2nd 10/30 CD. Buyer Comment (2021-01-08): Uploaded LOE and Closing Disclosure to cure Reviewer Comment (2020-12-30): No VCC was located within the loan file for the 10/30 fee increase.  Please provide VCC for 10/30.

Reviewer Comment (2021-01-14): xxxx received attestation regarding issue date of 2nd 10/30 CD. Reviewer Comment (2020-12-30): No VCC was located within the loan file for the 10/30 fee increase.  Please provide VCC for 10/30.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302150283

19211734

xxxx  4:48:20 PM

Credit

Income Documentation

Income documentation requirements not met.

Reviewer Comment (2021-01-07): Divorce decree provided. Buyer Comment (2021-01-06): divorce decree uploaded

Reviewer Comment (2021-01-07): Divorce decree provided.

Cleared

01/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228059

19150571

12/03/2020

Credit

Application / Processing

Missing Document: Missing Final 1003

Reviewer Comment (2021-01-05): Signed final 1003 provided. Buyer Comment (2020-12-28): 1003 uploaded

Reviewer Comment (2021-01-05): Signed final 1003 provided.

Cleared

01/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228059

19150590

12/03/2020

Compliance

Closing / Title

Missing Document: Note - Subject Lien not provided

Reviewer Comment (2020-12-14): Subject Note provided. Buyer Comment (2020-12-09): Note

Reviewer Comment (2020-12-14): Subject Note provided.

Cleared

xxxx  11:32:49 AM

N

3

1

D

A

D

A

D

A

D

A

D

A

302228059

19150593

12/03/2020

Credit

Closing / Title

Missing Document: Security Instrument - Subject Lien not provided

Reviewer Comment (2021-01-05): Executed security instrument provided. Buyer Comment (2020-12-28): Deed uploaded

Reviewer Comment (2021-01-05): Executed security instrument provided.

Cleared

01/05/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302228059

19154786

12/03/2020

Credit

Guideline Issue

Aged document: Asset Account date is more than 90 days prior to Closing.

Financial Institution: xxxx // Account Type: Money Markets / Account Number: xxxx, Financial Institution: xxxx Priority Account // Account Type: Checking / Account Number: xxxx, Financial Institution: xxxx Priority Account // Account Type: Money Markets / Account Number: xxxx, Financial Institution: xxxx // Account Type: Individual Retirement Account (IRA) / Account Number: xxxx

Reviewer Comment (2021-01-05): Current asset statements provided. Buyer Comment (2020-12-28): assets uploaded

Reviewer Comment (2021-01-05): Current asset statements provided.

Cleared

01/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228059

19154858

12/03/2020

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent and Other).  Fee Amount of $8.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77167)

Reviewer Comment (2021-01-26): xxxx received refund check and detailed LOE. Buyer Comment (2021-01-21): LxxxxK/MAIL

Reviewer Comment (2021-01-26): xxxx received refund check and detailed LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302273100

19593986

01/20/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-10): Condo blanket and personal policy provided. Buyer Comment (2021-02-09): HOI uploaded

Reviewer Comment (2021-02-10): Condo blanket and personal policy provided.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273100

19594313

01/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $436.17 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-02-15): Clarification provided regarding changed circumstance for CD's issued on consecutive days. Buyer Comment (2021-02-12): Uploaded LOE and COCs

Reviewer Comment (2021-02-15): Clarification provided regarding changed circumstance for CD's issued on consecutive days.

Cleared

02/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315921

19877566

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $595.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7723)

Reviewer Comment (2021-02-23): xxxx received PCCD and LOE; exception is cured. Seller Comment (2021-02-20): Uploaded LOE and PCCD Seller Comment (2021-02-17): Survey Fee - No tolerance - Please re-review. Title fees shoppable.Borrower selected title company.

Reviewer Comment (2021-02-23): xxxx received PCCD and LOE; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302320910

19873302

02/10/2021

Credit

Application / Processing

Missing Document: Divorce Decree / Child Support not provided

Reviewer Comment (2021-03-01): Lender provided court docs. Seller Comment (2021-02-26): Divorce Decree

Reviewer Comment (2021-03-01): Lender provided court docs.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302320910

19874102

02/10/2021

Credit

Title / Lien Defect

Final Title Policy is missing. No evidence of title in file.

Reviewer Comment (2021-03-01): Lender provided Title commitment. Seller Comment (2021-02-26): Hall title

Reviewer Comment (2021-03-01): Lender provided Title commitment.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307057

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302226824

19382913

xxxx  12:02:26 PM

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/xxxx)

Reviewer Comment (2021-01-12): Acknowledgment provided for appraisal.  Not applicable for CDA. Buyer Comment (2021-01-07): ECOA

Reviewer Comment (2021-01-12): Acknowledgment provided for appraisal.  Not applicable for CDA.

Cleared

01/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302226824

19382915

xxxx  12:02:26 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2020-12-30): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-30): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302369423

19930014

02/16/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-01): received VOE. Seller Comment (2021-02-26): see attached

Reviewer Comment (2021-03-01): received VOE.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369423

19930046

02/16/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-25): Borrower acknowledgment provided. Seller Comment (2021-02-24): Uploaded appraisal acknowledgment

Reviewer Comment (2021-02-25): Borrower acknowledgment provided.

Cleared

02/25/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302369423

19930047

02/16/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx did not disclouse Amount of Non-Escrowed Property Costs over Year 1 (Final/xxxx)

Reviewer Comment (2021-03-15):xxxx:  Received the Corrected CD and the Letter of Explanation.   Exception has been cured. Seller Comment (2021-03-11): LOE and PCCD Reviewer Comment (2021-03-03): xxxx received Corrected CD and LOE to borrower.  However the Non Escrowed costs do not match to the file documentation.  Page 1 reflects non-escrow amount of $10.33/mo and page 4 reflects cost over 1 year of $124.  The file documentation shows that the HOA are $124 per month (not annual) or $1488 over 12 mo.  Corrected CD and LOE to borrower or updated documentation showing different amount. Seller Comment (2021-02-26): PCCD and LOE

Reviewer Comment (2021-03-15):xxxx:  Received the Corrected CD and the Letter of Explanation.   Exception has been cured. Reviewer Comment (2021-03-03): xxxx received Corrected CD and LOE to borrower.  However the Non Escrowed costs do not match to the file documentation.  Page 1 reflects non-escrow amount of $10.33/mo and page 4 reflects cost over 1 year of $124.  The file documentation shows that the HOA are $124 per month (not annual) or $1488 over 12 mo.  Corrected CD and LOE to borrower or updated documentation showing different amount.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302369423

19930048

02/16/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-25): E-consent with electronic signature provided. Seller Comment (2021-02-24): Uploaded econsent

Reviewer Comment (2021-02-25): E-consent with electronic signature provided.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369423

19936381

02/17/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-03-03): 2017 returns provided. Seller Comment (2021-03-02): 2017 taxes uploaded

Reviewer Comment (2021-03-03): 2017 returns provided.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369423

19936382

02/17/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-03): 2017 returns provided.

Reviewer Comment (2021-03-03): 2017 returns provided.

Cleared

03/03/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302264614

19371242

xxxx  12:04:44 PM

Compliance

Federal Compliance

Appendix Q Liabilities – Invalid Exclusion Basis

Qualified Mortgage (Dodd-Frank 2014): One or more liabilities have been excluded from DTI calculation for a prohibited reason.

Reviewer Comment (2021-01-22): Assets reduced.  Exclusion is permissible. Buyer Comment (2021-01-21): Condition is invalid, please clear. Reviewer Comment (2021-01-10): Invalid reason for exclusion Buyer Comment (2021-01-10): Uploaded updated final 1008/1003 showing xxxx assets reduced $2503 to cover xxxx balance. Buyer Comment (2020-12-31): The $2503 open xxxx balance should be  reduced from the total assets. No payment is required as the balance is due monthly and Fannie requires the borrower to be able to show the assets to cover it.. So please reduce the assets by this amount and run compliance. And clear Exception. Thanks

Reviewer Comment (2021-01-22): Assets reduced.  Exclusion is permissible. Reviewer Comment (2021-01-10): Invalid reason for exclusion

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302264614

19371243

xxxx  12:04:44 PM

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Secondary/xxxx)

Reviewer Comment (2021-01-11): Delivery of appraisal to borrower documented. Buyer Comment (2021-01-06): ECOA

Reviewer Comment (2021-01-11): Delivery of appraisal to borrower documented.

Cleared

01/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302264614

19371244

xxxx  12:04:44 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-22): Assets reduced.  Exclusion is permissible. Reviewer Comment (2021-01-10): Invalid reason for exclusion Buyer Comment (2021-01-10): Uploaded updated final 1008/1003 showing xxxx assets reduced $2503 to cover xxxx balance. Buyer Comment (2020-12-31): The $2503 open xxxx balance should be  reduced from the total assets. No payment is required as the balance is due monthly and Fannie requires the borrower to be able to show the assets to cover it.. So please reduce the assets by this amount and run compliance. And clear Exception. Thanks

Reviewer Comment (2021-01-22): Assets reduced.  Exclusion is permissible. Reviewer Comment (2021-01-10): Invalid reason for exclusion

Cleared

01/22/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302264614

19371245

xxxx  12:04:44 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $117.66 exceeds tolerance of $95.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2020-12-29): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-29): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302401303

19961427

02/19/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-03-09): Final Title reflecting a policy amount of $xxxx provided. Seller Comment (2021-03-08): see attached

Reviewer Comment (2021-03-09): Final Title reflecting a policy amount of $xxxx provided.

Cleared

03/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302401303

19961443

02/19/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-03-09): Final Title provided

Reviewer Comment (2021-03-09): Final Title provided

Cleared

03/09/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302401303

19961515

02/19/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-03-17): Client acknowledges. Reviewer Comment (2021-03-17): The report was re-signed by appraiser on 1/9/2021. Regardless of value change, the delivery of the updated report must be verified. Provide either the Right to Receive Appraisal signed at closing OR the delivery evidence of the 1/9/2021 appraisal. This is an EV2, client can additionally accept this rating if unable to provide evidence of delivery. Seller Comment (2021-03-16): Please waive: Borrower received complete appraisal on or after the Effective Date of the Appraisal but prior to the UW requested appraisal revision. The UW requested appraisal revision triggered a new Appraiser signature date, but did not affect the value of the property. Appraisal with UW requested revision was not sent to the borrower(s). No further documentation required to acknowledge exception. Reviewer Comment (2021-03-16): LOE regarding appraisal inspection received, however we are missing evidence of the date the appraisal was sent to the borrower. Exception remains. Seller Comment (2021-03-15): LOE Reviewer Comment (2021-03-05): 3/5/2021:  Unable to clear.  Missing the documentation that reflects the borrower was provided with a copy of each valuation to applicant 3 business days prior to closing.   Exception remains open. Seller Comment (2021-03-04): LOE

Reviewer Comment (2021-03-17): Client acknowledges. Reviewer Comment (2021-03-17): The report was re-signed by appraiser on 1/9/2021. Regardless of value change, the delivery of the updated report must be verified. Provide either the Right to Receive Appraisal signed at closing OR the delivery evidence of the 1/9/2021 appraisal. This is an EV2, client can additionally accept this rating if unable to provide evidence of delivery. Reviewer Comment (2021-03-16): LOE regarding appraisal inspection received, however we are missing evidence of the date the appraisal was sent to the borrower. Exception remains. Reviewer Comment (2021-03-05): 3/5/2021:  Unable to clear.  Missing the documentation that reflects the borrower was provided with a copy of each valuation to applicant 3 business days prior to closing.   Exception remains open.

Cleared

03/17/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302332846

19734390

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $675.00 exceeds tolerance of $650.00.  Insufficient or no cure was provided to the borrower. (7507)

Reviewer Comment (2021-02-11): xxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD. Seller Comment (2021-02-09): Please see attached cure package.

Reviewer Comment (2021-02-11): xxxx received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302332846

19764270

02/02/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx, Address: xxxx HOA Verification HOA Verification, Insurance Verification, Tax Verification

Reviewer Comment (2021-02-24): Expenses for co-op documented. Buyer Comment (2021-02-23): The UW provided the below explanation regarding xxxx is a co-op and noted on the 1003 (and can xxxx search to find this as well) The Co-Op fees include T&I and there are no HOA dues. Reviewer Comment (2021-02-08): Missing Tax, insurance and HOA verification for xxxx Seller Comment (2021-02-04): Please see attached Seller Comment (2021-02-04): Documents for xxxx are attached.

Reviewer Comment (2021-02-24): Expenses for co-op documented. Reviewer Comment (2021-02-08): Missing Tax, insurance and HOA verification for xxxx

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325282

19649834

01/23/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Business License

Reviewer Comment (2021-02-11): Client provided documentation from Secretary of State of SC to verify status of xxxx effectivexxxx. Document was not dated but used last date present (notice of change)xxxxSufficient to clear exception for missing document, however the Safe Harbor failure remains without evidence the business was verified prior to the note date Seller Comment (2021-02-08): business entities

Reviewer Comment (2021-02-11): Client provided documentation from Secretary of State of SC to verify status of xxxx effectivexxxx. Document was not dated but used last date present (notice of change)xxxxSufficient to clear exception for missing document, however the Safe Harbor failure remains without evidence the business was verified prior to the note date

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325282

19649846

01/23/2021

Credit

Credit Documentation

Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification.

Credit Report: Original // Liability Type: 30 day (E.g. xxxx) / Current Balance: $xxxx / Line Limit: $xxxx

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302325282

19649941

01/23/2021

Compliance

State Compliance

South Carolina Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not In File)

South Carolina Home Loan: Borrower did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.

Reviewer Comment (2021-02-07): Provided executed disclosure Seller Comment (2021-02-04): SC Doc signed

Reviewer Comment (2021-02-07): Provided executed disclosure

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325282

19649947

01/23/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302325282

19649948

01/23/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302325282

19670385

01/26/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Business License

Reviewer Comment (2021-03-03): Lender provided additional printouts from SC Sec of State. Buyer Comment (2021-03-02): Will a CPA letter suffice to clear this condition? Reviewer Comment (2021-02-16): The Secretary of State printouts to verify 2 years of self-employment for both self-employed businesses, for both borrowers, are not dated and do not verify ownership.  Provide dated SOS printouts for both self-employed businesses verifying ownership. Seller Comment (2021-02-15): business

Reviewer Comment (2021-03-03): Lender provided additional printouts from SC Sec of State. Reviewer Comment (2021-02-16): The Secretary of State printouts to verify 2 years of self-employment for both self-employed businesses, for both borrowers, are not dated and do not verify ownership.  Provide dated SOS printouts for both self-employed businesses verifying ownership.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316475

19693021

01/28/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-02-26): VOR provided for prior rental period. Seller Comment (2021-02-24): Updated 1003 is attached with gap filled.  Borrower was a renter between selling the prior home and purchasing the subject.  Addresses match the Credit Report.  Please see the attached corrected 1003 and VOR.

Reviewer Comment (2021-02-26): VOR provided for prior rental period.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325085

19706141

01/29/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-03-02): Lender provided additional information related to borrower's trust income.

Reviewer Comment (2021-03-02): Lender provided additional information related to borrower's trust income.

Cleared

03/02/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302325085

19706150

01/29/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-02): Lender provided additional information related to borrower's trust income. Seller Comment (2021-02-26): see attached email explanation from underwriting Reviewer Comment (2021-02-26): CPA letter indicates the $46,000 was a distribution from the Trust and is a Standard Distribution, Letter from the Trustee supporting this distribution and Evidence of the Trust Fund statements were not provided to support the continuance of the Distributions. Trust Bank Statements were not provided supporting the 3yr of continuance as stated on the CPA letter. Exception Remains. Buyer Comment (2021-02-23): Please review and advised based on the below explanation from our underwriting team: A Trust Agreement will never be able to verify the amount, frequency or duration of the income when it's not a regular distribution and the trust income is based on a business.  This is why we had the Co-Trustee write the letter to explain all of this.  And as guidelines state, we can get the trust agreement OR trustee's statement.  The trustee's statement along with all of the added docs provided should suffice. Reviewer Comment (2021-02-11): Per the Guidelines: payments will continue for at least the first three years of the mortgage term as evidenced by trust income documentation. A copy of the trust agreement or the trustee’s statement confirming the amount, frequency and duration of the payments must be obtained to verify the income and continuance of the income.  The Trust agreement does not reflect the amount, frequency or duration of the payment. Exception remains. Seller Comment (2021-02-08): DISAGREE:  The trust income for this loan was not derived from Trust Distributions and therefore there is no Asset statement to provide.  The income from the trust is reported on the Schedule E and multiple docs were provided including a CPA letter and lox from the borrower to explain that the income listed as Trust Income on the Sched E is derived from a business called xxxxs - 2 year avg was used and the YTD Profit & Loss was obtained in order to prove there was no decrease in income.  In addition, since this is "Trust" income, we have a Trustee's letter per guidelines explaining the income.

Reviewer Comment (2021-03-02): Lender provided additional information related to borrower's trust income. Reviewer Comment (2021-02-26): CPA letter indicates the $46,000 was a distribution from the Trust and is a Standard Distribution, Letter from the Trustee supporting this distribution and Evidence of the Trust Fund statements were not provided to support the continuance of the Distributions. Trust Bank Statements were not provided supporting the 3yr of continuance as stated on the CPA letter. Exception Remains. Reviewer Comment (2021-02-11): Per the Guidelines: payments will continue for at least the first three years of the mortgage term as evidenced by trust income documentation. A copy of the trust agreement or the trustee’s statement confirming the amount, frequency and duration of the payments must be obtained to verify the income and continuance of the income.  The Trust agreement does not reflect the amount, frequency or duration of the payment. Exception remains.

Cleared

03/02/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302325085

19706152

01/29/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-11): Provided signed and dated Initial Closing Disclosure 2/9/21. Seller Comment (2021-02-09): Please see attached ICD and audit trail.

Reviewer Comment (2021-02-11): Provided signed and dated Initial Closing Disclosure 2/9/21.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325085

19733840

02/01/2021

Compliance

Federal Compliance

Trust Income Documentation

Qualified Mortgage (Dodd-Frank 2014): Trust income documentation requirement not met. (xxxx/Trust Income)

Reviewer Comment (2021-03-02): Lender provided additional information related to borrower's trust income. Seller Comment (2021-02-26): see attached email explanation from underwriting Reviewer Comment (2021-02-26): CPA letter indicates the $46,000 was a distribution from the Trust and is a Standard Distribution, Letter from the Trustee supporting this distribution and Evidence of the Trust Fund statements were not provided to support the continuance of the Distributions. Trust Bank Statements were not provided supporting the 3yr of continuance as stated on the CPA letter. Exception Remains. Buyer Comment (2021-02-23): Please review and advised based on the below explanation from our underwriting team: A Trust Agreement will never be able to verify the amount, frequency or duration of the income when it's not a regular distribution and the trust income is based on a business.  This is why we had the Co-Trustee write the letter to explain all of this.  And as guidelines state, we can get the trust agreement OR trustee's statement.  The trustee's statement along with all of the added docs provided should suffice. Reviewer Comment (2021-02-11): Per the Guidelines: payments will continue for at least the first three years of the mortgage term as evidenced by trust income documentation. A copy of the trust agreement or the trustee’s statement confirming the amount, frequency and duration of the payments must be obtained to verify the income and continuance of the income.  The Trust agreement does not reflect the amount, frequency or duration of the payment. Exception remains. Seller Comment (2021-02-08): DISAGREE:  The trust income for this loan was not derived from Trust Distributions and therefore there is no Asset statement to provide.  The income from the trust is reported on the Schedule E and multiple docs were provided including a CPA letter and lox from the borrower to explain that the income listed as Trust Income on the Sched E is derived from a business called xxxxs - 2 year avg was used and the YTD Profit & Loss was obtained in order to prove there was no decrease in income.  In addition, since this is "Trust" income, we have a Trustee's letter per guidelines explaining the income.    There is no other documentation that should be required.

Reviewer Comment (2021-03-02): Lender provided additional information related to borrower's trust income. Reviewer Comment (2021-02-26): CPA letter indicates the $46,000 was a distribution from the Trust and is a Standard Distribution, Letter from the Trustee supporting this distribution and Evidence of the Trust Fund statements were not provided to support the continuance of the Distributions. Trust Bank Statements were not provided supporting the 3yr of continuance as stated on the CPA letter. Exception Remains. Reviewer Comment (2021-02-11): Per the Guidelines: payments will continue for at least the first three years of the mortgage term as evidenced by trust income documentation. A copy of the trust agreement or the trustee’s statement confirming the amount, frequency and duration of the payments must be obtained to verify the income and continuance of the income.  The Trust agreement does not reflect the amount, frequency or duration of the payment. Exception remains.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302329332

19692250

01/28/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.40 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-02-26): 2 months of xxxx bank statements were provided Seller Comment (2021-02-24): With the xxxx accounts for xxxx Checking and the Vacation Fund account, the borrower does not even need the xxxx account at all.

Reviewer Comment (2021-02-26): 2 months of xxxx 360 bank statements were provided

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369406

19773494

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Deed Preparation Fee.  Fee Amount of $1,050.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77231)

Reviewer Comment (2021-03-08): Received a Post-closing CD and LOE dated xxxx, which moved the State Tax Filing Fee of $1,050.00 from Section E to Section H. Seller Comment (2021-03-03): CD Reviewer Comment (2021-03-02): xxxx received Corrected CD.  Missing copy of LOE to borrower that accompanies corrected CD to finalize cure. Seller Comment (2021-02-23): cd Reviewer Comment (2021-02-21): Received PCCD issuedxxxx reflecting the State Tax Deed moved down to Section E from Section C.  Missing LOE. Seller Comment (2021-02-18): The LE issued xxxxlisted transfer tax $3,570.00 (section E). The ICD issued xxxxhows the transfer tax broken out into intangible tax $2520.00 and state tax deed $1050.00. Due to system error the State tax deed was moved to section C. I have attached a corrected CD moving the State Tax deed back to section E. Reviewer Comment (2021-02-12): xxxx received 1-15 and 1-22 CDs.  As fee is not a Title Fee and it was not disclosed on Final LE, the question is whether the State Tax Deed fee added at closing is a lender required fee or not.  If this fee is for optional for the consumer, which they chose to have, the fee belongs in Section H which would then exclude from testing.  If this fee is a Transfer Tax or State tax fee, it should be dislcosed in Section E and will be tested at 0% tolerance.  As the fee was disclosed in Section C, the fee is tested as a lender-required fee, albeit selected by the borrower, under § 1026.38(f)(3): If required by the lender, they will need to show how consumer had the ability to shop for this fee when it was added to the CDs only. As stated above, if optional and a corrected PCCD is issued with an LOE to move the fee from Section C to H, the tolerance exception can be cleared, otherwise a cure is required to borrower. Seller Comment (2021-02-08): The State Deed Tax $1050.00 has always been disclosed to the borrower. The ICD shows the fee under section E. The CD the borrower signed at closing mistakenly moved the fee to section C.

Reviewer Comment (2021-03-08): Received a Post-closing CD and LOE dated xxxx, which moved the State Tax Filing Fee of $1,050.00 from Section E to Section H. Reviewer Comment (2021-03-02): xxxx received Corrected CD.  Missing copy of LOE to borrower that accompanies corrected CD to finalize cure. Reviewer Comment (2021-02-21): Received PCCD issuedxxxx reflecting the State Tax Deed moved down to Section E from Section C.  Missing LOE. Reviewer Comment (2021-02-12): xxxx received 1-15 and 1-22 CDs.  As fee is not a Title Fee and it was not disclosed on Final LE, the question is whether the State Tax Deed fee added at closing is a lender required fee or not.  If this fee is for optional for the consumer, which they chose to have, the fee belongs in Section H which would then exclude from testing.  If this fee is a Transfer Tax or State tax fee, it should be dislcosed in Section E and will be tested at 0% tolerance.  As the fee was disclosed in Section C, the fee is tested as a lender-required fee, albeit selected by the borrower, under § 1026.38(f)(3): If required by the lender, they will need to show how consumer had the ability to shop for this fee when it was added to the CDs only. As stated above, if optional and a corrected PCCD is issued with an LOE to move the fee from Section C to H, the tolerance exception can be cleared, otherwise a cure is required to borrower.

Cleared

03/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369406

19782166

02/04/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-21): Evidence of margin loan provided. Buyer Comment (2021-02-19): The margin loan on the final 1003 is actually the xxxx assets backed line of credit for $350k.  The amount listed as ‘$100k’ was not updated to $350k in error but the payment is accurate.  The borrower only drew $225k from that line of credit but the underwriter hit the borrower with the most conservative full payment on the full $350k line amount.  The calculation that was used based off the interest only payment requirements on the line of credit was $350,000.00 * 2.59525% (rate) = $9,083.38 / 12 = $756.95 per month.

Reviewer Comment (2021-02-21): Evidence of margin loan provided.

Cleared

02/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369406

19782254

02/04/2021

Credit

Title / Lien Defect

Final Title Policy is missing. No evidence of title in file.

Reviewer Comment (2021-02-14): Received copy of the title commitment.

Reviewer Comment (2021-02-14): Received copy of the title commitment.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410379

20086682

03/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,951.00 exceeds tolerance of $1,941.00.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2021-03-28): Lender cured on the PCCD dated xxxx by refunding the borrower $10.00. Received proof of refund, LOE, corrected CD, and proof of delivery.

Reviewer Comment (2021-03-28): Lender cured on the PCCD dated xxxx by refunding the borrower $10.00. Received proof of refund, LOE, corrected CD, and proof of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302372908

20087409

03/02/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $322.00 exceeds tolerance of $92.00 plus 10% or $101.20.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-03-25): Received LOX stating the Final CD reflected the tolerance cure as the lender credit.  PCCD issuedxxxx reflects the corrected data with the tolerance cure along with a LOX. Seller Comment (2021-03-24): The cure was listed on the CD the borrower signed at closing but did not reflect that it was over the legal limit.

Reviewer Comment (2021-03-25): Received LOX stating the Final CD reflected the tolerance cure as the lender credit.  PCCD issuedxxxx reflects the corrected data with the tolerance cure along with a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302372908

20087410

03/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $150.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-03-25): Received LOX stating the Final CD reflected the tolerance cure as the lender credit.  PCCD issuedxxxx reflects the corrected data with the tolerance cure along with a LOX. Seller Comment (2021-03-24): The cure was listed on the CD the borrower signed at closing but did not reflect that it was over the legal limit.

Reviewer Comment (2021-03-25): Received LOX stating the Final CD reflected the tolerance cure as the lender credit.  PCCD issuedxxxx reflects the corrected data with the tolerance cure along with a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

301599880

No Finding

Loan Completed Without Finding

Review Complete

03/17/2020

1

1

302369447

19875151

02/10/2021

Compliance

Federal Compliance

Notice of Right To Cancel Not Provided to All Required Parties

Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

Reviewer Comment (2021-03-02): RTC for both Borrower and Co-Borrower provided. Seller Comment (2021-03-01): rtc

Reviewer Comment (2021-03-02): RTC for both Borrower and Co-Borrower provided.

Cleared

03/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369447

19875161

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $500.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-03-10): Received PCCD issued 3/1/2021 reflecting a tolerance cure of $225, a LOX, copy of refund check and evidence of delivery. Seller Comment (2021-03-07): cure

Reviewer Comment (2021-03-10): Received PCCD issued 3/1/2021 reflecting a tolerance cure of $225, a LOX, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302369447

19896277

02/12/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 41.51239% exceeds Guideline total debt ratio of 38.00000%.

Reviewer Comment (2021-03-05): Lender also used the 1065 income in the calculations. Added back income and documentation, verified DTI is now within variance. Seller Comment (2021-03-03): DISAGREE:  There's a WVOE and year-end paystubs for 2020 and 2019, all reflecting bonus and xxxx income that was received for a full 2 years.  Additional income should be used.

Reviewer Comment (2021-03-05): Lender also used the 1065 income in the calculations. Added back income and documentation, verified DTI is now within variance.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369447

20176320

03/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $725.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-03-10): Duplicate.  sufficient cure provided.

Reviewer Comment (2021-03-10): Duplicate.  sufficient cure provided.

Cleared

03/10/2021

N

3

1

A

A

A

A

A

302056530

18899005

11/04/2020

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2020-11-07): Received RCE.  Coverage is sufficient. Seller Comment (2020-11-05): Hazard Insurance Policy

Reviewer Comment (2020-11-07): Received RCE.  Coverage is sufficient.

Cleared

11/07/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302327841

19595022

01/20/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-01-22): Received RCE.  Coverage is sufficient. Seller Comment (2021-01-21): Replacement Cost Estimator

Reviewer Comment (2021-01-22): Received RCE.  Coverage is sufficient.

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327841

19600922

01/20/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 11.02 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2021-02-25): Client acknowledged based on the borrower's credit history and DTI.

Reviewer Comment (2021-02-25): Client acknowledged based on the borrower's credit history and DTI.

The representative FICO score is above 680. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is less than or equal to 35%. Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. Borrower has worked in the same position for more than 3 years.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302329391

No Finding

Loan Completed Without Finding

Review Complete

02/02/2021

1

1

302306333

19604272

01/21/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-03-11): xxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission Seller Comment (2021-03-07): cure

Reviewer Comment (2021-03-11): xxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302306333

19604273

01/21/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,109.80  is less than amount of binding Lender Credit previously disclosed in the amount of $-3,300.00. (9300)

Reviewer Comment (2021-02-18): Received the CIC for the rate lock extension.

Reviewer Comment (2021-02-18): Received the CIC for the rate lock extension.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302317306

19573769

01/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $12,326.25 exceeds tolerance of $11,250.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-02-02): Received PCCD issuedxxxx reflecting a lender credit of $1,076.25, a LOX, and evidence of principal reduction. Seller Comment (2021-02-02): Please find the attachment

Reviewer Comment (2021-02-02): Received PCCD issuedxxxx reflecting a lender credit of $1,076.25, a LOX, and evidence of principal reduction.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302317306

19573770

01/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $650.00 exceeds tolerance of $600.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-02): Received LE issued xxxx and a COC. Seller Comment (2021-01-27): Please find the attachment

Reviewer Comment (2021-02-02): Received LE issued xxxx and a COC.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265829

19387324

xxxx  8:01:34 PM

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-01-21): Gap letter provided. Buyer Comment (2021-01-20): Gap Letter

Reviewer Comment (2021-01-21): Gap letter provided.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265829

19387327

xxxx  8:01:34 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-21): Gap letter provided.

Reviewer Comment (2021-01-21): Gap letter provided.

Cleared

01/21/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302265829

19397821

01/02/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.98 is less than Guideline PITIA months reserves of 18.00.

Reviewer Comment (2021-01-13): Verified reserves meet Express program requirements. Buyer Comment (2021-01-07): Borrower has verified assets of $232,474.63, required reserves from PITIA $5,186.83 x 6 =$31,120.98 + cash to close $192,022.41 = $223,143.39. Buyer Comment (2021-01-07): This a Jumbo Express Loan and per guidelines the greater of AUS/Guidelines. Due to AUS not provided and loan amount < $1,000,000.00 require 6 months PITI reserves. Please update.

Reviewer Comment (2021-01-13): Verified reserves meet Express program requirements.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265829

19406694

01/04/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-01-21): LP findings provided. Buyer Comment (2021-01-20): LP Findings

Reviewer Comment (2021-01-21): LP findings provided.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274216

19552985

01/14/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-10): Signed/dated personal and business returns provided. Buyer Comment (2021-02-08): 1040s signed and dated attached

Reviewer Comment (2021-02-10): Signed/dated personal and business returns provided.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274216

19553082

01/14/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-10): Signed/dated personal and business returns provided.

Reviewer Comment (2021-02-10): Signed/dated personal and business returns provided.

Cleared

02/10/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302285493

20022496

02/25/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 14,500.80 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-18):xxxx:  Received the Corrected CD and the Letter of Explanation to the borrower.   Exception has been cured. Seller Comment (2021-03-17): LOE, PCCD, UCDs and disclosure tracking. Per Lender:  Please note, the property costs over year one is off $0.11  from what we have due to our system rounding the cents to the nearest cent, but the amounts are correct.

Reviewer Comment (2021-03-18):xxxx:  Received the Corrected CD and the Letter of Explanation to the borrower.   Exception has been cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302285493

20022498

02/25/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-03-18):xxxx:  Received the Corrected CD and the LOE.  Exception has been cured. Seller Comment (2021-03-17): Please re-review with uploaded LOE and PCCD

Reviewer Comment (2021-03-18):xxxx:  Received the Corrected CD and the LOE.  Exception has been cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302285493

20023998

02/25/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-03-18): Settlement Statment and Tax verification provided.

Reviewer Comment (2021-03-18): Settlement Statment and Tax verification provided.

Cleared

03/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408141

19779017

02/04/2021

Credit

Title / Lien Defect

Final Title Policy is missing. No evidence of title in file.

Reviewer Comment (2021-02-12): Received preliminary title. Seller Comment (2021-02-11): see attached

Reviewer Comment (2021-02-12): Received preliminary title.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408141

19779080

02/04/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,888.47  is less than amount of binding Lender Credit previously disclosed in the amount of $-4,069.00. (9300)

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflecting an additional tolerance cure of $180.53, LOE, copy of refund check and evidence of delivery. Seller Comment (2021-02-18): see attached

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflecting an additional tolerance cure of $180.53, LOE, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302408141

19779081

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $600.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-20): Cured on the Final CD. Seller Comment (2021-02-18): Appraisal fee $100’s in build into the FSS and PCCD no check will be requested

Reviewer Comment (2021-02-20): Cured on the Final CD.

Cleared

02/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408141

19796251

02/05/2021

Credit

Insurance Documentation

Missing Document: Hazard Dec Page not provided

Reviewer Comment (2021-02-12): Received hazard policy. Seller Comment (2021-02-11): see attached

Reviewer Comment (2021-02-12): Received hazard policy.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304116

19349109

xxxx  12:21:02 PM

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-01-04): Initial CD e-signed xxxx Seller Comment (2020-12-29): PCCD

Reviewer Comment (2021-01-04): Initial CD e-signed xxxx

Cleared

01/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302304116

19356604

xxxx  6:25:40 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2020-12-27): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-27): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302370958

19769203

02/03/2021

Credit

Application / Processing

Missing Document: Flood Certificate not provided

Reviewer Comment (2021-02-11): Received flood cert. Seller Comment (2021-02-09): see attached

Reviewer Comment (2021-02-11): Received flood cert.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302370958

19769206

02/03/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-16): Received hazard policy. Seller Comment (2021-02-16): see attached Reviewer Comment (2021-02-11): Received hazard policy for a different property. Seller Comment (2021-02-09): see attached

Reviewer Comment (2021-02-16): Received hazard policy. Reviewer Comment (2021-02-11): Received hazard policy for a different property.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302370958

19769533

02/03/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 (2019)

Reviewer Comment (2021-02-11): Received W-2. Seller Comment (2021-02-09): see attached

Reviewer Comment (2021-02-11): Received W-2.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302370958

19769569

02/03/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx, Financial Institution: xxxx // Account Type: Savings / Account Number: xxxx, Financial Institution: xxxx // Account Type: Savings / Account Number: xxxx

Reviewer Comment (2021-02-11): Received additional bank statements. Seller Comment (2021-02-09): see attached

Reviewer Comment (2021-02-11): Received additional bank statements.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338228

19767013

02/02/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-11): Received PCCD issued 2/5/2021 reflecting an updated disbursement date ofxxxx and a LOX. Seller Comment (2021-02-09): Corrected PCCD and FSS borrowers signed xxxx funded xxxx

Reviewer Comment (2021-02-11): Received PCCD issued 2/5/2021 reflecting an updated disbursement date ofxxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302338228

19781984

02/04/2021

Credit

Guideline Issue

Aged document: Asset Account date is more than 90 days prior to Closing.

Financial Institution: xxxx // Account Type: 401(k)/403(b) Account / Account Number: xxxx

Reviewer Comment (2021-02-11): Received additional assets. Seller Comment (2021-02-09): xxxx acct and Letter of explanation from UW

Reviewer Comment (2021-02-11): Received additional assets.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302272990

19347941

xxxx  10:56:56 AM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Balance Sheet

Reviewer Comment (2021-01-27): Received missing income docs. Seller Comment (2021-01-25): MISC Reviewer Comment (2021-01-25): Balance sheet not provided.  Balance sheet in file but it doesn't have a company name on it. Seller Comment (2021-01-24): misc

Reviewer Comment (2021-01-27): Received missing income docs. Reviewer Comment (2021-01-25): Balance sheet not provided.  Balance sheet in file but it doesn't have a company name on it.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302272990

19347963

xxxx  10:59:03 AM

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-01-27): Received missing income docs. Seller Comment (2021-01-25): MISC Reviewer Comment (2021-01-25): Received signed business returns.  Balance sheet not provided.  Balance sheet in file but it doesn't have a company name on it. Seller Comment (2021-01-24): misc

Reviewer Comment (2021-01-27): Received missing income docs. Reviewer Comment (2021-01-25): Received signed business returns.  Balance sheet not provided.  Balance sheet in file but it doesn't have a company name on it.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302272990

19347964

xxxx  10:59:03 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2020-12-24): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-24): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302272990

19347982

xxxx  10:59:51 AM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-01-27): Received missing income docs. Buyer Comment (2021-01-25): Pease advise what is exactly needed Reviewer Comment (2021-01-25): Income documentation exceptions remain. Seller Comment (2021-01-24): misc

Reviewer Comment (2021-01-27): Received missing income docs. Reviewer Comment (2021-01-25): Income documentation exceptions remain.

Cleared

01/27/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302272990

19353487

xxxx  9:02:14 AM

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-01-25): Received P&L and balance sheet. Seller Comment (2021-01-24): misc

Reviewer Comment (2021-01-25): Received P&L and balance sheet.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302272990

19353488

xxxx  9:02:14 AM

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Schedule C Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxx/Schedule C)

Reviewer Comment (2021-01-27): Received missing income docs. Seller Comment (2021-01-25): misc Reviewer Comment (2021-01-25): Missing 3rd party verification of self employment. Seller Comment (2021-01-24): mis

Reviewer Comment (2021-01-27): Received missing income docs. Reviewer Comment (2021-01-25): Missing 3rd party verification of self employment.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302272990

19353489

xxxx  9:02:14 AM

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-27): Received missing income docs.

Reviewer Comment (2021-01-27): Received missing income docs.

Cleared

01/27/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302409328

19736779

02/01/2021

Compliance

Federal Compliance

xxxx Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (xxxx Income). (xxxx/Schedule F)

Reviewer Comment (2021-02-23): Received missing income docs. Seller Comment (2021-02-22): Attached please find the signed & dated P&L’s for the schedule F and both Schedule C’s

Reviewer Comment (2021-02-23): Received missing income docs.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302409328

19736789

02/01/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - Schedule F

Ability to Repay (Dodd-Frank 2014): Unable to verify xxxx income using reasonably reliable third-party records. (xxxx/Schedule F)

Reviewer Comment (2021-02-23): Received missing income docs. Seller Comment (2021-02-22): Attached please find the signed & dated P&L’s for the schedule F and both Schedule C’s Reviewer Comment (2021-02-11): Please provide a P&L and balance sheet. Seller Comment (2021-02-09): 3rd party

Reviewer Comment (2021-02-23): Received missing income docs. Reviewer Comment (2021-02-11): Please provide a P&L and balance sheet.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302409328

19736790

02/01/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-23): Received missing income docs.

Reviewer Comment (2021-02-23): Received missing income docs.

Cleared

02/23/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302409328

19736791

02/01/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-23): Received missing income docs. Seller Comment (2021-02-22): Attached please find the signed & dated P&L’s for the schedule F and both Schedule C’s

Reviewer Comment (2021-02-23): Received missing income docs.

Cleared

02/23/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302409328

19750016

02/02/2021

Compliance

Federal Compliance

Self Employed Financial Strength

Qualified Mortgage (Dodd-Frank 2014): Financial strength of self-employed business reflects annual earnings that significantly decline over the analysis period. (xxxx/Schedule C)

Reviewer Comment (2021-02-23): Received missing income docs. Seller Comment (2021-02-22): Attached please find the signed & dated P&L’s for the schedule F and both Schedule C’s

Reviewer Comment (2021-02-23): Received missing income docs.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302409328

19750017

02/02/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-23): Received missing income docs. Seller Comment (2021-02-22): Attached please find the signed & dated P&L’s for the schedule F and both Schedule C’s

Reviewer Comment (2021-02-23): Received missing income docs.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302409328

19750018

02/02/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-23): Received missing income docs. Seller Comment (2021-02-22): Attached please find the signed & dated P&L’s for the schedule F and both Schedule C’s

Reviewer Comment (2021-02-23): Received missing income docs.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302409328

19750019

02/02/2021

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Schedule C Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxx/Schedule C)

Reviewer Comment (2021-02-23): Received missing income docs. Seller Comment (2021-02-22): Attached please find the signed & dated P&L’s for the schedule F and both Schedule C’s

Reviewer Comment (2021-02-23): Received missing income docs.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302409328

19750020

02/02/2021

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Schedule C Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. (xxxx/Schedule C)

Reviewer Comment (2021-02-23): Received missing income docs. Seller Comment (2021-02-22): Attached please find the signed & dated P&L’s for the schedule F and both Schedule C’s

Reviewer Comment (2021-02-23): Received missing income docs.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302409328

19750076

02/02/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Balance Sheet, P&L Statement

Reviewer Comment (2021-02-23): Received missing income docs. Seller Comment (2021-02-22): Attached please find the signed & dated P&L’s for the schedule F and both Schedule C’s

Reviewer Comment (2021-02-23): Received missing income docs.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372099

19750074

02/02/2021

Credit

Application / Processing

Missing Document: Flood Certificate not provided

Reviewer Comment (2021-02-10): Received flood cert. Seller Comment (2021-02-08): document attached

Reviewer Comment (2021-02-10): Received flood cert.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372099

19750626

02/02/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-02-10): Received VOE. Seller Comment (2021-02-08): docs previously provided in bundle

Reviewer Comment (2021-02-10): Received VOE.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372099

19750927

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302337303

19698226

01/28/2021

Credit

Application / Processing

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

Reviewer Comment (2021-02-06): Provided 1008 Seller Comment (2021-02-04): see attached

Reviewer Comment (2021-02-06): Provided 1008

Cleared

02/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302337303

19700074

01/28/2021

Compliance

Federal Compliance

Payoff Statement Missing

Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.

Reviewer Comment (2021-02-06): Provided Mortgage Payoff Seller Comment (2021-02-04): see attached

Reviewer Comment (2021-02-06): Provided Mortgage Payoff

Cleared

02/06/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302404417

19850832

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302404417

19850833

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,950.00 exceeds tolerance of $1,475.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302404417

19850834

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of $5.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7579)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302368615

19715484

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $575.00 exceeds tolerance of $475.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-12): xxxx received copy of Refund check, proof of mailing,  Letter of Explanation & Corrected Closing Disclosure Seller Comment (2021-02-09): tolerance cure Reviewer Comment (2021-02-04): xxxx received CD and Changed Circumstance dated xxxx,  but it does not give sufficient information on why the appraisal fee was increased.  Receipt of appraisal invoice is not a valid reason to re-baseline the fee.  In order to determine if the changed circumstance is valid, more information is necessary on reason fee increased and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2021-02-02): cd

Reviewer Comment (2021-02-12): xxxx received copy of Refund check, proof of mailing,  Letter of Explanation & Corrected Closing Disclosure Reviewer Comment (2021-02-04): xxxx received CD and Changed Circumstance dated xxxx,  but it does not give sufficient information on why the appraisal fee was increased.  Receipt of appraisal invoice is not a valid reason to re-baseline the fee.  In order to determine if the changed circumstance is valid, more information is necessary on reason fee increased and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302093025

19698824

01/28/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,692.79  is less than amount of binding Lender Credit previously disclosed in the amount of $-3,906.00. (9300)

Reviewer Comment (2021-02-02): Received copy of the change in circumstance.

Reviewer Comment (2021-02-02): Received copy of the change in circumstance.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302093055

19637816

01/22/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-02): Received PDI datedxxxx reflecting no damage. Seller Comment (2021-01-29): PDI

Reviewer Comment (2021-02-02): Received PDI datedxxxx reflecting no damage.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327879

19705909

01/29/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-04): Provided Fraud Report Seller Comment (2021-02-03): fraud report

Reviewer Comment (2021-02-04): Provided Fraud Report

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302337267

19694052

01/28/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-12): Received balance sheet. Seller Comment (2021-02-10): see attached

Reviewer Comment (2021-02-12): Received balance sheet.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302337267

19694053

01/28/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-12): Received balance sheet. Seller Comment (2021-02-10): see attached

Reviewer Comment (2021-02-12): Received balance sheet.

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302388491

No Finding

Loan Completed Without Finding

Review Complete

02/03/2021

1

1

302093020

19456792

01/06/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 8.30 is less than Guideline PITIA months reserves of 9.00.

Reviewer Comment (2021-01-29): Received evidence of escrow disbursement for taxes. Seller Comment (2021-01-25): They are counting the 1st installment of taxes that shows paid outside of escrow on the PCCD. I’ve obtained evidence that it was actually paid from the borrower’s prior escrow account so shouldn’t be included in the funds needed to close this transaction. I’ve attached a cover letter and the evidence I’ve obtained.   Reviewer Comment (2021-01-15): Cash required to close is $13,480.58.  Loan amount is $xxxx, closing costs $26,550.06, and total payoffs of $xxxx.  Reserves are insufficient.  Borrower has $56,352.03 in reserves. Seller Comment (2021-01-11): see attached

Reviewer Comment (2021-01-29): Received evidence of escrow disbursement for taxes. Reviewer Comment (2021-01-15): Cash required to close is $13,480.58.  Loan amount is $xxxx, closing costs $26,550.06, and total payoffs of $xxxx.  Reserves are insufficient.  Borrower has $56,352.03 in reserves.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302139511

No Finding

Loan Completed Without Finding

Review Complete

01/26/2021

1

1

302173856

19411880

01/04/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-01-20): Received P&L and balance sheet. Seller Comment (2021-01-19): P&L and Balance sheets

Reviewer Comment (2021-01-20): Received P&L and balance sheet.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173856

19411881

01/04/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-20): Received P&L and balance sheet. Seller Comment (2021-01-19): P&L and Balance sheets

Reviewer Comment (2021-01-20): Received P&L and balance sheet.

Cleared

01/20/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302173856

19411883

01/04/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-07): Provided the following: Letter of Explanation, PCCD, corrected ROR Seller Comment (2021-02-04): PCCD Reviewer Comment (2021-02-01): Corrected PCCD was not provided. Seller Comment (2021-01-28): ROR Reviewer Comment (2021-01-08): Earliest disbursement date should reflect xxxx based on corrected ROR Seller Comment (2021-01-07): PCCD

Reviewer Comment (2021-02-07): Provided the following: Letter of Explanation, PCCD, corrected ROR Reviewer Comment (2021-02-01): Corrected PCCD was not provided. Reviewer Comment (2021-01-08): Earliest disbursement date should reflect xxxx based on corrected ROR

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302174126

19748710

02/02/2021

Credit

Credit Documentation

Aged document: Credit Report  is more than 90 days prior to the note date.

Credit Report: Original // Borrower: xxxxx

Reviewer Comment (2021-02-08): Exactly 90 days. Seller Comment (2021-02-05): UW lox the note is exactly 90 days from credit report (not more)

Reviewer Comment (2021-02-08): Exactly 90 days.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302174126

19748882

02/02/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-08): Received PCCD issued 2/5/2021 reflecting an updated disbursement date ofxxxx and a LOX. Seller Comment (2021-02-05): PCCD with correct dates

Reviewer Comment (2021-02-08): Received PCCD issued 2/5/2021 reflecting an updated disbursement date ofxxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302174126

19748911

02/02/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-08): Received updated VOE. Seller Comment (2021-02-05): VVOE verifying start date

Reviewer Comment (2021-02-08): Received updated VOE.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302174126

19748937

02/02/2021

Credit

Guideline Issue

Aged document: Asset Account date is more than 90 days prior to Closing.

Financial Institution: xxxx // Account Type: 401(k)/403(b) Account / Account Number: xxxx

Reviewer Comment (2021-02-12): Additional quarterly statement provided. Seller Comment (2021-02-11): Current xxxx bank statement

Reviewer Comment (2021-02-12): Additional quarterly statement provided.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228170

19587732

01/19/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-03): Received PCCD issuedxxxx reflecting an updated disbursement date of xxxx and a LOX. Seller Comment (2021-01-30): PCCD

Reviewer Comment (2021-02-03): Received PCCD issuedxxxx reflecting an updated disbursement date of xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302228170

19587779

01/19/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,070.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-5,250.00. (9300)

Reviewer Comment (2021-02-03): Received an additional LE and a valid COC. Seller Comment (2021-01-30): 1. Appraisal fee increase from $700 to $750 was not disclosed to the borrower in a timely manner 4 days after knowledge 2. Lender credit.  Attached is the COC and LE showing reason why the credit reduced, loan was locked on 10/19 and the interest rate went down from 3.25 to 3.125.  Please provide them these attached items, which they already have and should be sufficient to clear the condition.

Reviewer Comment (2021-02-03): Received an additional LE and a valid COC.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228170

19587781

01/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $700.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-10): Seller provided PCCD with $50 cure, copy of $50 refund check, LOE to borrower, and proof of mailing. Seller Comment (2021-02-08): cure attached Reviewer Comment (2021-02-03): Received PCCD issuedxxxx reflecting a tolerance cure of $50.  Missing a detailed LOE, copy of refund check and evidence of delivery. Seller Comment (2021-01-30): Attached is the COC and LE showing reason why the credit reduced, loan was locked on 10/19 and the interest rate went down from 3.25 to 3.125.

Reviewer Comment (2021-02-10): Seller provided PCCD with $50 cure, copy of $50 refund check, LOE to borrower, and proof of mailing. Reviewer Comment (2021-02-03): Received PCCD issuedxxxx reflecting a tolerance cure of $50.  Missing a detailed LOE, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302228170

19588796

01/19/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-03): Received VOE. Seller Comment (2021-01-30): V VOE

Reviewer Comment (2021-02-03): Received VOE.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302326645

19567427

01/15/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-22): Received PCCD issuedxxxx reflecting an updated disbursement date of xxxx and a LOX. Seller Comment (2021-01-21): see attached

Reviewer Comment (2021-01-22): Received PCCD issuedxxxx reflecting an updated disbursement date of xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302326645

19567451

01/15/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-01-22): Provided evidence of receipt Seller Comment (2021-01-22): see attached

Reviewer Comment (2021-01-22): Provided evidence of receipt

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302280925

19595894

01/20/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-28): Received PCCD issued xxxx reflecting an updated disbursement date of xxxx and a LOX. Seller Comment (2021-01-26): PCCD dated xxxx and FSS

Reviewer Comment (2021-01-28): Received PCCD issued xxxx reflecting an updated disbursement date of xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302280925

19659262

01/25/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-03): Received updated VOE. Seller Comment (2021-02-01): voe

Reviewer Comment (2021-02-03): Received updated VOE.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315027

19740483

02/02/2021

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2021-02-09): Provided Initial 1003 Seller Comment (2021-02-05): the initial 1003 was provided this is a brokered loan

Reviewer Comment (2021-02-09): Provided Initial 1003

Cleared

02/09/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302315027

19740571

02/02/2021

Credit

Application / Processing

Missing Document: Tax Certificate not provided

Reviewer Comment (2021-02-09): Provided tax cert Seller Comment (2021-02-05): see attached

Reviewer Comment (2021-02-09): Provided tax cert

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315027

19740777

02/02/2021

Credit

Application / Processing

Missing Document: Purchase Agreement / Sales Contract not provided

Reviewer Comment (2021-02-12): purchase contract provided Seller Comment (2021-02-11): see attached Reviewer Comment (2021-02-09): Purchase Contract not provided Seller Comment (2021-02-05): see attached

Reviewer Comment (2021-02-12): purchase contract provided Reviewer Comment (2021-02-09): Purchase Contract not provided

Cleared

02/12/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302315027

19740871

02/02/2021

Credit

Application / Processing

Missing Document: Flood Certificate not provided

Reviewer Comment (2021-02-09): Provided Flood cert Seller Comment (2021-02-05): see attached

Reviewer Comment (2021-02-09): Provided Flood cert

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315027

19744059

02/02/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $11,723.53 is less than Cash From Borrower $352,705.48.

Reviewer Comment (2021-02-12): additional assets provided Seller Comment (2021-02-11): see attached Reviewer Comment (2021-02-09): Provided additional assets still short closing and reserves Seller Comment (2021-02-05): see attached

Reviewer Comment (2021-02-12): additional assets provided Reviewer Comment (2021-02-09): Provided additional assets still short closing and reserves

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315027

19744277

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103)

Reviewer Comment (2021-02-19): Sufficient cure provided post closing. Seller Comment (2021-02-16): see attached

Reviewer Comment (2021-02-19): Sufficient cure provided post closing.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315027

19744301

02/02/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2021-02-12): additional assets provided Seller Comment (2021-02-11): see attached

Reviewer Comment (2021-02-12): additional assets provided

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302315027

19961484

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (75103)

Reviewer Comment (2021-02-19): xxxx received PCCD, LOE, copy of refund check, and proof of mailing; exception is cured.

Reviewer Comment (2021-02-19): xxxx received PCCD, LOE, copy of refund check, and proof of mailing; exception is cured.

Cured

N

3

2

B

B

B

B

B

302327220

19742595

02/02/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-02-06): Provided Initial CD Seller Comment (2021-02-04): initial CD dated 12-10 consummation CD dated 1-8 esign log dated 12-10 and final settlement notice and letter to confirm time frame

Reviewer Comment (2021-02-06): Provided Initial CD

Cleared

02/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327220

19748907

02/02/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-06): Provided HOI policy Seller Comment (2021-02-04): hazard insurance you already have the replacement cost estimator in your file

Reviewer Comment (2021-02-06): Provided HOI policy

Cleared

02/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327220

19749196

02/02/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of  is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-02-11): Received assets. Seller Comment (2021-02-09): account statement for account ending in xxxx Reviewer Comment (2021-02-08): xxxx was not provided. Seller Comment (2021-02-05): letter from post closing u/w assets in file are not a business account

Reviewer Comment (2021-02-11): Received assets. Reviewer Comment (2021-02-08): xxxx was not provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327878

19568319

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $700.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-01-29): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Seller Comment (2021-01-26): PCCD,FSS and refund ck

Reviewer Comment (2021-01-29): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327878

19568320

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $128.60 exceeds tolerance of $125.00.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2021-01-29): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing. Seller Comment (2021-01-26): PCCD,FSS and refund ck

Reviewer Comment (2021-01-29): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327878

19701564

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-01-29): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Reviewer Comment (2021-01-29): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cured

N

3

2

B

B

B

B

B

302327878

19701565

01/29/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $128.60 exceeds tolerance of $125.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (8304)

Reviewer Comment (2021-01-29): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Reviewer Comment (2021-01-29): xxxx received PCCD indicating cure, LOE, refund check, and proof of mailing.

Cured

N

3

2

B

B

B

B

B

302372175

19794534

02/05/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-17): Provided Letter of Explanation to borrower, & PCCD correcting disbursement date Seller Comment (2021-02-16): final settlement notice and post CD showing correct closing and disbursement date

Reviewer Comment (2021-02-17): Provided Letter of Explanation to borrower, & PCCD correcting disbursement date

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302372175

19843175

02/08/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-12): Dec page with coverage provided. Seller Comment (2021-02-12): hazard with dwelling amount and additional 50% coverage which covers the loan amount

Reviewer Comment (2021-02-12): Dec page with coverage provided.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372175

19843217

02/08/2021

Credit

Insurance Documentation

Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance.

Reviewer Comment (2021-02-12): Dec page with coverage provided. Seller Comment (2021-02-12): hazard showing dwelling amount and with an additional 50% coverage xxxx plus 50% xxxx covers the loan amount

Reviewer Comment (2021-02-12): Dec page with coverage provided.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372175

19843259

02/08/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 4506 or 4506-T (2017), 4506 or 4506-T (2018), 4506 or 4506-T (2019)

Reviewer Comment (2021-02-12): Signed 4506t provided. Seller Comment (2021-02-12): correct 4506T for xxxx

Reviewer Comment (2021-02-12): Signed 4506t provided.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302425349

19798249

02/05/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-18): Employment dates documented. Seller Comment (2021-02-17): misc

Reviewer Comment (2021-02-18): Employment dates documented.

Cleared

02/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302425349

19798672

02/05/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-18): Employment dates documented. Seller Comment (2021-02-17): misc

Reviewer Comment (2021-02-18): Employment dates documented.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302425349

19848878

02/09/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-18): VVOE within 5 days provided. Seller Comment (2021-02-17): misc

Reviewer Comment (2021-02-18): VVOE within 5 days provided.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302067756

19686483

01/27/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $77.04 exceeds tolerance of $60.00 plus 10% or $66.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-03): xxxx received cure Seller Comment (2021-01-29): PCCD

Reviewer Comment (2021-02-03): xxxx received cure

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302067756

19770580

02/03/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $77.04 exceeds tolerance of $60.00 plus 10% or $66.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (0)

Reviewer Comment (2021-02-15): Received copy of refund check and evidence of delivery. Seller Comment (2021-02-11): CURE AND PROOF OF MAILING

Reviewer Comment (2021-02-15): Received copy of refund check and evidence of delivery.

Cured

N

3

2

B

B

B

B

B

302267633

19738133

02/01/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Statement

Reviewer Comment (2021-02-10): Received missing REO docs. Seller Comment (2021-02-08): misc

Reviewer Comment (2021-02-10): Received missing REO docs.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267633

19738147

02/01/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-02-10): Received worksheet. Seller Comment (2021-02-08): misc

Reviewer Comment (2021-02-10): Received worksheet.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267633

19738148

02/01/2021

Compliance

Federal Compliance

TRID Loan Estimate Timing

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xxxx)

Reviewer Comment (2021-02-14): Received the initial LE. Seller Comment (2021-02-11): LE Reviewer Comment (2021-02-10): PCCD is not a cure for this exception.  Missing the initial LE. Seller Comment (2021-02-08): Attached is the PCCD with correct dates The tolerance cure was caught by the system and the FSS and PCCD has $129.50 built into it.  I have not requested a check.

Reviewer Comment (2021-02-14): Received the initial LE. Reviewer Comment (2021-02-10): PCCD is not a cure for this exception.  Missing the initial LE.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267633

19738149

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75203)

Reviewer Comment (2021-02-21): Received PCCD issuedxxxx reflecting a tolerance cure of $150, a refund check for $20.50 which is an additional amount to add up to $150, a LOE and evidence of delivery. Seller Comment (2021-02-17): Attached is the corrected PCCD with a cure request of 20.50.  there is already a cure built into the FSS and PCCD so we only need an additional $20.50 Reviewer Comment (2021-02-10): The cure amount required is $150; the amount on the PCCD reflects $129.50. Seller Comment (2021-02-08): Attached is the PCCD with correct dates The tolerance cure was caught by the system and the FSS and PCCD has $129.50 built into it.  I have not requested a check.

Reviewer Comment (2021-02-21): Received PCCD issuedxxxx reflecting a tolerance cure of $150, a refund check for $20.50 which is an additional amount to add up to $150, a LOE and evidence of delivery. Reviewer Comment (2021-02-10): The cure amount required is $150; the amount on the PCCD reflects $129.50.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302373273

19644407

01/22/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-01-28): Received hazard policy. Seller Comment (2021-01-26): copy of hazard insurance

Reviewer Comment (2021-01-28): Received hazard policy.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302373273

19644819

01/22/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-28): Received updated VOE. Seller Comment (2021-01-25): verbal verification of employment within 5 days

Reviewer Comment (2021-01-28): Received updated VOE.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302373273

19644911

01/22/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-02-09): Provided Initial CD and evidence of receipt Seller Comment (2021-02-05): initial CD attached was also provided in the bundle Reviewer Comment (2021-02-01): Missing the initial CD and evidence of receipt Seller Comment (2021-01-28): Attached is the PCCD with correct dates.

Reviewer Comment (2021-02-09): Provided Initial CD and evidence of receipt Reviewer Comment (2021-02-01): Missing the initial CD and evidence of receipt

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302373273

19645367

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $70.00 exceeds tolerance of $57.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302096021

19658219

01/25/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-04): Received fraud report.  All red flags addressed. Seller Comment (2021-02-01): see attached

Reviewer Comment (2021-02-04): Received fraud report.  All red flags addressed.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096021

19659832

01/25/2021

Compliance

State Compliance

Illinois SB 1894

IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.

Reviewer Comment (2021-02-11): The certificate was provided by the lender. Seller Comment (2021-02-09): please see attached doc that was recorded with the mortgage Reviewer Comment (2021-02-09): Certificate was not provided. Seller Comment (2021-02-04): attached the anti-predatory lending cert which was provided originally in the bundle sent.

Reviewer Comment (2021-02-11): The certificate was provided by the lender. Reviewer Comment (2021-02-09): Certificate was not provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096021

19659865

01/25/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-04): Received VOE. Seller Comment (2021-02-01): VOE is dated 12-23-20 and start date is 2-2-15 see attached

Reviewer Comment (2021-02-04): Received VOE.

Cleared

02/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302096021

19659970

01/25/2021

Credit

Title / Lien Defect

Final Title Policy is missing. No evidence of title in file.

Reviewer Comment (2021-02-04): Received title commitment. Seller Comment (2021-02-01): title attached

Reviewer Comment (2021-02-04): Received title commitment.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096021

19660036

01/25/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-02-04): Received VOE. Seller Comment (2021-02-01): VVOE

Reviewer Comment (2021-02-04): Received VOE.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096021

19660367

01/25/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Insurance Verification, Tax Verification

Reviewer Comment (2021-02-11): HOA, Ins and tax verification was provided. Seller Comment (2021-02-09): see attached

Reviewer Comment (2021-02-11): HOA, Ins and tax verification was provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096021

19660386

01/25/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of  is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-02-04): Received assets. Seller Comment (2021-02-01): see attached

Reviewer Comment (2021-02-04): Received assets.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096021

19666209

01/26/2021

Credit

Application / Processing

Missing Document: Mortgage Statement(s) not provided

Reviewer Comment (2021-02-04): Received mortgage statement. Seller Comment (2021-02-01): statement attached

Reviewer Comment (2021-02-04): Received mortgage statement.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096021

19666243

01/26/2021

Compliance

Federal Compliance

(Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7, 8, 9, 10 or DC)

Original Lender was not able to be determined. Unable to determine if correct TILA rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or District of Columbia)

Reviewer Comment (2021-02-04): Received title commitment. Seller Comment (2021-02-01): see attached title

Reviewer Comment (2021-02-04): Received title commitment.

Cleared

02/04/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302096021

19674096

01/26/2021

Credit

Application / Processing

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

Reviewer Comment (2021-02-04): Received 1008. Seller Comment (2021-02-01): 1008 attached

Reviewer Comment (2021-02-04): Received 1008.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408136

19771522

02/03/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-12): Received mortgage statent. Seller Comment (2021-02-12): mortgage statement

Reviewer Comment (2021-02-12): Received mortgage statent.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408136

19771818

02/03/2021

Compliance

Federal Compliance

Retirement Documentation

Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (xxxx/IRA Distribution)

Reviewer Comment (2021-02-18): Borrower is over 70.5 and is taking the required minimum distribution.

Reviewer Comment (2021-02-18): Borrower is over 70.5 and is taking the required minimum distribution.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408136

19772090

02/03/2021

Compliance

Federal Compliance

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxx not received by borrower at least four (4) business days prior to closing. (Interxxxx021)

Reviewer Comment (2021-02-09): Provided evidence of receipt Seller Comment (2021-02-05): e log

Reviewer Comment (2021-02-09): Provided evidence of receipt

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408136

19772125

02/03/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-02-14): Received initial CD. Seller Comment (2021-02-12): cd jan 7th Reviewer Comment (2021-02-12): Please provide 01/07 CD as it is not located in file. Seller Comment (2021-02-09): elogs for both borrowers Reviewer Comment (2021-02-09): Missing Initial CD and evidence of receipt Seller Comment (2021-02-05): corrected pccd

Reviewer Comment (2021-02-14): Received initial CD. Reviewer Comment (2021-02-12): Please provide 01/07 CD as it is not located in file. Reviewer Comment (2021-02-09): Missing Initial CD and evidence of receipt

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302408136

19775922

02/03/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-02-18): Borrower is over 70.5 and is taking the required minimum distribution.

Reviewer Comment (2021-02-18): Borrower is over 70.5 and is taking the required minimum distribution.

Cleared

02/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302408136

19783943

02/04/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-02-12): Per employer letter already in the file, the additional $1,458 is not actually bonus, however part of the borrower's traditional earnings in which they are paid for training. The lender took a conservative approach with these additional earnings by annualizing,  cleared exception Seller Comment (2021-02-12): Uw Response Reviewer Comment (2021-02-12): Safe Harbor QM requires xxxx xxxx's IRA Distribution income to be verified with an award letter and 2 years signed 1040's or transcripts. The award letter is outstanding, therefore exception remains open Seller Comment (2021-02-10): UW response

Reviewer Comment (2021-02-12): Per employer letter already in the file, the additional $1,458 is not actually bonus, however part of the borrower's traditional earnings in which they are paid for training. The lender took a conservative approach with these additional earnings by annualizing,  cleared exception Reviewer Comment (2021-02-12): Safe Harbor QM requires xxxx xxxx's IRA Distribution income to be verified with an award letter and 2 years signed 1040's or transcripts. The award letter is outstanding, therefore exception remains open

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302266929

19593507

01/20/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-09): Received PCCD issued 2/1/2021 reflecting an updated disbursement date of xxxx and a LOX. Seller Comment (2021-02-01): Attached is the PCCD with correct dates

Reviewer Comment (2021-02-09): Received PCCD issued 2/1/2021 reflecting an updated disbursement date of xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302406264

No Finding

Loan Completed Without Finding

Review Complete

02/02/2021

1

1

302073488

19309359

xxxx  5:39:24 PM

Credit

Credit Documentation

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Reviewer Comment (2021-01-27): Received rent free letter from July 2018 to April 2019. Seller Comment (2021-01-27): rent free letter to complete the 24 month housing history period

Reviewer Comment (2021-01-27): Received rent free letter from July 2018 to April 2019.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307712

19569602

01/15/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-01-20): Received PDI datedxxxx reflecting no damage. Seller Comment (2021-01-20): PDI

Reviewer Comment (2021-01-20): Received PDI datedxxxx reflecting no damage.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307712

19570110

01/15/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-01-20): Received updated VOE. Seller Comment (2021-01-19): VVOE

Reviewer Comment (2021-01-20): Received updated VOE.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307712

19570165

01/15/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-22): Received PCCD issuedxxxx reflecting an updated disbursement dated of xxxx and a LOX. Seller Comment (2021-01-21): PCCD

Reviewer Comment (2021-01-22): Received PCCD issuedxxxx reflecting an updated disbursement dated of xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302171003

19599447

01/20/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-01-28): Received VOE. Seller Comment (2021-01-27): Prior VOE and updated 1003 for dates

Reviewer Comment (2021-01-28): Received VOE.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302171003

19599645

01/20/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-01-28): Received VOE from prior employer. Seller Comment (2021-01-27): Prior VOE and updated 1003 for dates

Reviewer Comment (2021-01-28): Received VOE from prior employer.

Cleared

01/28/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302171003

19657043

01/25/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Statement, Tax Verification

Reviewer Comment (2021-01-28): Received evidence property sold. Seller Comment (2021-01-26): The Final CD and Mortgage Statement to verify this property was sold and paid in full prior to our loan closing

Reviewer Comment (2021-01-28): Received evidence property sold.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302229078

19643238

01/22/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-01-29): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property. Seller Comment (2021-01-27): PDI

Reviewer Comment (2021-01-29): Client acknowledged based on disaster inspection post declaration date that there was no damage to the property.

Property inspected post disaster but pre-FEMA declaration of disaster end date.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302267608

19501559

01/09/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-01-19): Received balance sheet and signed 2019 personal returns. Seller Comment (2021-01-15): see attached Reviewer Comment (2021-01-13): 2019 personal tax returns are not signed and dated. Seller Comment (2021-01-12): see attached

Reviewer Comment (2021-01-19): Received balance sheet and signed 2019 personal returns. Reviewer Comment (2021-01-13): 2019 personal tax returns are not signed and dated.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267608

19501560

01/09/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-01-19): Received balance sheet and signed 2019 personal returns. Seller Comment (2021-01-15): see attached Reviewer Comment (2021-01-13): Received balance sheet.  2019 personal tax returns are not signed and dated. Seller Comment (2021-01-12): see attached

Reviewer Comment (2021-01-19): Received balance sheet and signed 2019 personal returns. Reviewer Comment (2021-01-13): Received balance sheet.  2019 personal tax returns are not signed and dated.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267608

19501570

01/09/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-19): Received balance sheet and signed 2019 personal returns. Seller Comment (2021-01-15): see attached Reviewer Comment (2021-01-13): Received balance sheet.  2019 personal tax returns are not signed and dated. Buyer Comment (2021-01-12): balance sheet provided

Reviewer Comment (2021-01-19): Received balance sheet and signed 2019 personal returns. Reviewer Comment (2021-01-13): Received balance sheet.  2019 personal tax returns are not signed and dated.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267608

19501629

01/09/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-01-19): Received evidence of xxxx payoff. Seller Comment (2021-01-15): see attached Reviewer Comment (2021-01-13): Missing evidence of payoff of xxxx and xxxx to remove from the DTI calculation. Seller Comment (2021-01-12): see attached

Reviewer Comment (2021-01-19): Received evidence of xxxx payoff. Reviewer Comment (2021-01-13): Missing evidence of payoff of xxxx and xxxx to remove from the DTI calculation.

Cleared

01/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302267608

19501638

01/09/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-01-19): Received evidence of xxxx payoff. Buyer Comment (2021-01-15): see attachment in previous conditon Reviewer Comment (2021-01-13): Missing evidence of payoff of xxxx and xxxx to remove from the DTI calculation. Buyer Comment (2021-01-12): balance sheet provided

Reviewer Comment (2021-01-19): Received evidence of xxxx payoff. Reviewer Comment (2021-01-13): Missing evidence of payoff of xxxx and xxxx to remove from the DTI calculation.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267608

19501650

01/09/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Escrowed Property Costs Year 1 -  October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 14,823.24 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-18): Received PCCD issuedxxxx reflecting updated property costs and a LOX. Seller Comment (2021-01-13): Attached is the PCCD with correct dates.  property cost match taxes and insurance, however we are out of balance to the FSS.  Someone during the process changed the taxes to an incorrect amount, then escrow paid the incorrect amount.  The taxes and Insurance payments are correct.

Reviewer Comment (2021-01-18): Received PCCD issuedxxxx reflecting updated property costs and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302267608

19501658

01/09/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed

TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/1380608)

Reviewer Comment (2021-01-25): xxxx received Letter of Explanation & Corrected Closing Disclosure. Seller Comment (2021-01-20): see attached Reviewer Comment (2021-01-18): Received PCCD issuedxxxx reflecting corrected escrow payment and a LOX.  Missing evidence of delivery. Seller Comment (2021-01-13): Attached is the PCCD with correct dates.  property cost match taxes and insurance, however we are out of balance to the FSS.  Someone during the process changed the taxes to an incorrect amount, then escrow paid the incorrect amount.  The taxes and Insurance payments are correct.

Reviewer Comment (2021-01-25): xxxx received Letter of Explanation & Corrected Closing Disclosure. Reviewer Comment (2021-01-18): Received PCCD issuedxxxx reflecting corrected escrow payment and a LOX.  Missing evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302267608

19501667

01/09/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 44.59861% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-01-19): Received evidence of xxxx payoff. Seller Comment (2021-01-15): see attached Reviewer Comment (2021-01-13): Missing evidence of payoff of xxxx and xxxx to remove from the DTI calculation. Seller Comment (2021-01-12): see attached

Reviewer Comment (2021-01-19): Received evidence of xxxx payoff. Reviewer Comment (2021-01-13): Missing evidence of payoff of xxxx and xxxx to remove from the DTI calculation.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267608

19501671

01/09/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Balance Sheet

Reviewer Comment (2021-01-13): Received balance sheet. Seller Comment (2021-01-12): see attached

Reviewer Comment (2021-01-13): Received balance sheet.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267608

19501686

01/09/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-01-19): Received evidence of xxxx payoff. Seller Comment (2021-01-15): see attached Reviewer Comment (2021-01-13): Income documentation and DTI exception remain. Seller Comment (2021-01-12): see attached

Reviewer Comment (2021-01-19): Received evidence of xxxx payoff. Reviewer Comment (2021-01-13): Income documentation and DTI exception remain.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267608

19502588

01/09/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 44.59861% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-01-19): Received evidence of xxxx payoff. Buyer Comment (2021-01-15): uploaded in previous condition Reviewer Comment (2021-01-13): Missing evidence of payoff of xxxx and xxxx to remove from the DTI calculation. Seller Comment (2021-01-12): see attached

Reviewer Comment (2021-01-19): Received evidence of xxxx payoff. Reviewer Comment (2021-01-13): Missing evidence of payoff of xxxx and xxxx to remove from the DTI calculation.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267608

19655803

01/25/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-3,562.50. (9300)

Reviewer Comment (2021-02-04): xxxx received confirmation of Lender Credit.  Exception cleared. Seller Comment (2021-01-29): see attached

Reviewer Comment (2021-02-04): xxxx received confirmation of Lender Credit.  Exception cleared.

Cleared

02/04/2021

N

3

1

A

A

A

A

A

302331404

19794766

02/05/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-18): PCCD and LOE provided to revise disbursement date. Seller Comment (2021-02-17): PCCD

Reviewer Comment (2021-02-18): PCCD and LOE provided to revise disbursement date.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302168819

19312837

xxxx  11:28:02 AM

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2020-12-30): PDI dated xxxx-Disaster end date reflects xxxx. Disaster Dec date xxxx Seller Comment (2020-12-29): PDI

Reviewer Comment (2020-12-30): PDI dated xxxx-Disaster end date reflects xxxx. Disaster Dec date xxxx

The representative FICO score is above 680. The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is less than or equal to 35%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than or equal to 70%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years. Property inspected post disaster but pre-FEMA declaration of disaster end date.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302168819

19312939

xxxx  11:35:30 AM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-11): Provided updated credit report with xxxx loan 2/8/2021 Seller Comment (2021-02-08): Attached please find a refreshed credit report that reflects the new xxxx pmt, updated AUS, 1003 & 1008 to include the payment.  The refreshed credit also updates the current mortgage with xxxx to 13 months and the prior mortgage with xxxx to 8 months.  That gives us 21 months.  The loan with xxxx originated with xxxx so I’ve attached evidence of the first 3 payments with xxxx and the transfer letter showing when it went to xxxx

Reviewer Comment (2021-02-11): Provided updated credit report with xxxx loan 2/8/2021

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243247

19698607

01/28/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-04): xxxx received confirmation of receipt for initial CD, exception is cleared. Seller Comment (2021-02-01): CD

Reviewer Comment (2021-02-04): xxxx received confirmation of receipt for initial CD, exception is cleared.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243247

19699587

01/28/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx WVOE - Includes Income

Reviewer Comment (2021-02-05): 2 years tax returns and Year end paystubs provided to support xxxx income Seller Comment (2021-02-03): In lieu of the WVOE, the underwriter obtained the year end paystubs for 2018 & 2019 that reflect the xxxx breakdown. I’ve attached them here

Reviewer Comment (2021-02-05): 2 years tax returns and Year end paystubs provided to support xxxx income

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302276617

19662622

01/25/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 13,086.84 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-08): xxxx received a PCCD correcting total property costs and LOE. Seller Comment (2021-02-03): corrected pccd Reviewer Comment (2021-02-03): xxxx received PCCD, LOE, and lender's breakdown of calculated costs. The calculated costs match lender's of $16045.79 however the PCCD indicates $16040.76. Please provide a corrected CD to cure. Seller Comment (2021-01-29): pccd with correct number and evidence of the numbers used

Reviewer Comment (2021-02-08): xxxx received a PCCD correcting total property costs and LOE. Reviewer Comment (2021-02-03): xxxx received PCCD, LOE, and lender's breakdown of calculated costs. The calculated costs match lender's of $16045.79 however the PCCD indicates $16040.76. Please provide a corrected CD to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302276617

19662770

01/25/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-06): Provided evidence of receipt of initial CD Seller Comment (2021-02-04): initial CD 3 days prior to closing date of 12-28 and esign log to confirm borrower acknowledged it Reviewer Comment (2021-02-03): A PCCD will not clear a timing exception. Please provide receipt for CD (and CD if not in file) if the initial CD was received by borrowers 3 business days prior to consummation for review. Seller Comment (2021-01-29): corrected pccd with evidence of numbers used

Reviewer Comment (2021-02-06): Provided evidence of receipt of initial CD Reviewer Comment (2021-02-03): A PCCD will not clear a timing exception. Please provide receipt for CD (and CD if not in file) if the initial CD was received by borrowers 3 business days prior to consummation for review.

Cleared

02/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288951

19625586

01/21/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-01): Received fraud report.  All red flags addressed. Seller Comment (2021-01-27): fraud report

Reviewer Comment (2021-02-01): Received fraud report.  All red flags addressed.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302356641

19590924

01/20/2021

Compliance

Federal Compliance

TRID Interim Closing Disclosure Timing

TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on xxxx contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation

Reviewer Comment (2021-02-10): APR of 0% on xxxxD was a typo.  The calculated APR on the loan is within tolerance and there was no need to delay consummation. Seller Comment (2021-02-02): This is the FSS that was produced by the closing agent and not xxxx CD's please clear the condition Reviewer Comment (2021-01-26): The APR on the 12/22 CD dropped to 0%.  The 12/22 CD was also signed by the borrower so a 0% APR was disclosed to the borrower.  The final CD shows an increase in APR to 4.03%.  No VCC was located in the loan file that would explain the increase in the APR for the final CD.  Please provide VCC, or cure. Seller Comment (2021-01-22): signed closing disclosure

Reviewer Comment (2021-02-10): APR of 0% on xxxxD was a typo.  The calculated APR on the loan is within tolerance and there was no need to delay consummation. Reviewer Comment (2021-01-26): The APR on the 12/22 CD dropped to 0%.  The 12/22 CD was also signed by the borrower so a 0% APR was disclosed to the borrower.  The final CD shows an increase in APR to 4.03%.  No VCC was located in the loan file that would explain the increase in the APR for the final CD.  Please provide VCC, or cure.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302400069

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302410476

19847925

02/09/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-22): Received updated VOE. Seller Comment (2021-02-22): VVOE

Reviewer Comment (2021-02-22): Received updated VOE.

Cleared

02/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305497

No Finding

Loan Completed Without Finding

Review Complete

01/16/2021

1

1

302332759

No Finding

Loan Completed Without Finding

Review Complete

01/11/2021

1

1

302369095

19727209

01/31/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $925.00 exceeds tolerance of $825.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-31): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-31): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302369095

19727222

01/31/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-07): Received updated VOE. Seller Comment (2021-02-03): VVOE

Reviewer Comment (2021-02-07): Received updated VOE.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335636

19741997

02/02/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-08): Received hazard policy. Seller Comment (2021-02-05): see attached

Reviewer Comment (2021-02-08): Received hazard policy.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335636

19742668

02/02/2021

Credit

Credit Documentation

Missing Document: Credit Report not provided

Reviewer Comment (2021-02-08): Received credit report. Seller Comment (2021-02-05): see attached

Reviewer Comment (2021-02-08): Received credit report.

Cleared

02/08/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302335636

19743579

02/02/2021

Compliance

Federal Compliance

General Ability To Repay Provision Credit History

Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records.

Reviewer Comment (2021-02-08): Received credit report. Seller Comment (2021-02-05): see attached

Reviewer Comment (2021-02-08): Received credit report.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335636

19743580

02/02/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-08): Received credit report.

Reviewer Comment (2021-02-08): Received credit report.

Cleared

02/08/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302335636

19743581

02/02/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-08): Received credit report. Buyer Comment (2021-02-05): credit report uploaded in previous stip

Reviewer Comment (2021-02-08): Received credit report.

Cleared

02/08/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302335636

19743582

02/02/2021

Compliance

Federal Compliance

QM Required Credit Report Not Provided to Evidence Debts

Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (xxxx)

Reviewer Comment (2021-02-08): Received credit report. Buyer Comment (2021-02-05): credit report uploaded in previous stip

Reviewer Comment (2021-02-08): Received credit report.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335636

19743583

02/02/2021

Compliance

Federal Compliance

QM Required Credit Report Not Provided to Evidence Debts

Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (xxxx)

Reviewer Comment (2021-02-08): Received credit report. Seller Comment (2021-02-05): see attached

Reviewer Comment (2021-02-08): Received credit report.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335636

19774830

02/03/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx

Reviewer Comment (2021-02-11): Additional statement provided. Seller Comment (2021-02-09): see attached Reviewer Comment (2021-02-08): Received the same statement already received.  Missing 2nd month statement. Seller Comment (2021-02-05): see attached

Reviewer Comment (2021-02-11): Additional statement provided. Reviewer Comment (2021-02-08): Received the same statement already received.  Missing 2nd month statement.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336658

19643229

01/22/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-02-09): Provided  Initial CD and evidence of receipt Seller Comment (2021-02-05): attached is CD and e-sign audit log Reviewer Comment (2021-02-03): A PCCD will not clear exception as it is related to timing. Please provide receipt for CD (and CD if not in file) if the initial CD was received by borrowers 3 business days prior to consummation for review. Seller Comment (2021-01-29): attached is PCCD

Reviewer Comment (2021-02-09): Provided  Initial CD and evidence of receipt Reviewer Comment (2021-02-03): A PCCD will not clear exception as it is related to timing. Please provide receipt for CD (and CD if not in file) if the initial CD was received by borrowers 3 business days prior to consummation for review.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336658

19768226

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7505)

Reviewer Comment (2021-02-03): xxxx received PCCD indicating cure on the same CD as increased was disclosed.

Reviewer Comment (2021-02-03): xxxx received PCCD indicating cure on the same CD as increased was disclosed.

Cured

N

3

2

B

B

B

B

B

302305794

19573337

01/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $155.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-01-19): Lender cured on the final CD with a $25 tolerance cure credit.

Reviewer Comment (2021-01-19): Lender cured on the final CD with a $25 tolerance cure credit.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305794

19682711

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $155.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-01-27): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-27): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302406232

No Finding

Loan Completed Without Finding

Review Complete

02/01/2021

1

1

302338280

19779442

02/04/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-12): Replacement cost estimate provided. Seller Comment (2021-02-12): replace cost figures

Reviewer Comment (2021-02-12): Replacement cost estimate provided.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305793

19735978

02/01/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-02-09): Provided 3 years tax returns Seller Comment (2021-02-05): MISC

Reviewer Comment (2021-02-09): Provided 3 years tax returns

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305793

19735980

02/01/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-09): Provided 3 years tax returns Seller Comment (2021-02-05): MISC

Reviewer Comment (2021-02-09): Provided 3 years tax returns

Cleared

02/09/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302325379

19771827

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75106)

Reviewer Comment (2021-02-19): Sufficient cure sent post closing. Seller Comment (2021-02-16): refund check Reviewer Comment (2021-02-09): xxxx received CD and Changed Circumstance dated xxxx,  but it does not give sufficient information on why the collateral desktop analysis fee was added.  Updated fee is not a valid reason to re-baseline the fee.  In order to determine if the changed circumstance is valid, more information is necessary on reason fee increased and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Seller Comment (2021-02-09): Coc and cd disclosing the increase in fee to the borrowers

Reviewer Comment (2021-02-19): Sufficient cure sent post closing. Reviewer Comment (2021-02-09): xxxx received CD and Changed Circumstance dated xxxx,  but it does not give sufficient information on why the collateral desktop analysis fee was added.  Updated fee is not a valid reason to re-baseline the fee.  In order to determine if the changed circumstance is valid, more information is necessary on reason fee increased and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302325379

19771828

02/03/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-11): Received PCCD issuedxxxx reflecting an updated disbursement date ofxxxx and a LOX. Seller Comment (2021-02-09): PCCd and FSS

Reviewer Comment (2021-02-11): Received PCCD issuedxxxx reflecting an updated disbursement date ofxxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302325379

19961655

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (75106)

Reviewer Comment (2021-02-19): xxxx received PCCD, LOE, copy of refund check, and proof of mailing; exception is cured.

Reviewer Comment (2021-02-19): xxxx received PCCD, LOE, copy of refund check, and proof of mailing; exception is cured.

Cured

N

3

2

B

B

B

B

B

302326642

19730566

02/01/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-08): Received PCCD issued 2/5/2021 reflecting an updated disbursement date ofxxxx and a LOX. Seller Comment (2021-02-05): PCCD with correct dates

Reviewer Comment (2021-02-08): Received PCCD issued 2/5/2021 reflecting an updated disbursement date ofxxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302356441

19733073

02/01/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 12,756.48 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-08): xxxx received PCCD and LOE; exception is cured. Seller Comment (2021-02-03): pccd with corrected estimate property cost

Reviewer Comment (2021-02-08): xxxx received PCCD and LOE; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302400970

19705175

01/29/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-08): Received PCCD issued 2/3/2021 reflecting an updated disbursement date ofxxxx and a LOX. Seller Comment (2021-02-05): PCCD attached

Reviewer Comment (2021-02-08): Received PCCD issued 2/3/2021 reflecting an updated disbursement date ofxxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302331402

19772409

02/03/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-11): Provided Post Closing CD with correct disbursement and closing date.xxxx Buyer Comment (2021-02-08): 3 days.. we don't count Sat if we are not open.... please push back

Reviewer Comment (2021-02-11): Provided Post Closing CD with correct disbursement and closing date.02/09/21

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331402

19781133

02/04/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement, Tax Verification

Reviewer Comment (2021-02-11): Provided the Property Report with 2020 Tax Amount. xxxx Seller Comment (2021-02-08): misc

Reviewer Comment (2021-02-11): Provided the Property Report with 2020 Tax Amount. 02/08/21

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335595

19757620

02/02/2021

Credit

Application / Processing

Missing Document: Flood Certificate not provided

Reviewer Comment (2021-02-08): Received flood cert. Seller Comment (2021-02-05): flood cert was provided in the bundle please see attached

Reviewer Comment (2021-02-08): Received flood cert.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335595

19757655

02/02/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-08): Received hazard policy. Seller Comment (2021-02-05): Hazard policy attached

Reviewer Comment (2021-02-08): Received hazard policy.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335595

19758843

02/02/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-17): Provided signed and dated 1040s for years 2018-2019. xxxx

Reviewer Comment (2021-02-17): Provided signed and dated 1040s for years 2018-2019. xxxx

Cleared

02/17/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302335595

19758844

02/02/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-17): Provided signed and dated 1040s for years 2018-2019. xxxx

Reviewer Comment (2021-02-17): Provided signed and dated 1040s for years 2018-2019. xxxx

Cleared

02/17/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302335595

19760967

02/02/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - Schedule C

Ability to Repay (Dodd-Frank 2014): Unable to verify Sole Proprietorship income using reasonably reliable third-party records. (xxxx/Schedule C)

Reviewer Comment (2021-02-17): Provided signed and dated 1040s for years 2018-2019. xxxx Reviewer Comment (2021-02-08): Received 2018 and 2019 tax returns but they are not signed and dated. Seller Comment (2021-02-05): 2018 and 2019 tax returns with schedule C were included in the bundle, see attached.

Reviewer Comment (2021-02-17): Provided signed and dated 1040s for years 2018-2019. xxxx Reviewer Comment (2021-02-08): Received 2018 and 2019 tax returns but they are not signed and dated.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335595

19761249

02/02/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Money Markets / Account Number: xxxx, Financial Institution: xxxx // Account Type: Mutual Funds / Account Number: xxxx

Reviewer Comment (2021-02-17): Provided three months bank statements for xxxx account. xxxx Seller Comment (2021-02-16): ATTACHED PLEASE FIND 3 MONTHS OF STATEMENTS FOR xxxx.  THERE ISN’T AN ACCT NUMBER xxxx. Please advise where you are seeing that at?

Reviewer Comment (2021-02-17): Provided three months bank statements for xxxx. xxxx

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302335595

19769515

02/03/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-17): Provided signed and dated 1040s for years 2018-2019. xxxx Seller Comment (2021-02-16): see attached Reviewer Comment (2021-02-08): Received 2018 and 2019 tax returns but they are not signed and dated. Seller Comment (2021-02-05): 2019 and 2019 taxes with schedule c were included in the bundle, see attached

Reviewer Comment (2021-02-17): Provided signed and dated 1040s for years 2018-2019. xxxx Reviewer Comment (2021-02-08): Received 2018 and 2019 tax returns but they are not signed and dated.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367042

19742764

02/02/2021

Credit

Application / Processing

Missing Document: Flood Certificate not provided

Reviewer Comment (2021-02-08): Received flood cert. Seller Comment (2021-02-05): flood cert for subject

Reviewer Comment (2021-02-08): Received flood cert.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367042

19745298

02/02/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $1,148.93 is less than Cash From Borrower $2,396.63.

Reviewer Comment (2021-02-08): Received additional assets.

Reviewer Comment (2021-02-08): Received additional assets.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367042

19745542

02/02/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx

Reviewer Comment (2021-02-08): Account not needed.

Reviewer Comment (2021-02-08): Account not needed.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367042

19745917

02/02/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 9.00.

Reviewer Comment (2021-02-08): Received additional assets. Seller Comment (2021-02-05): 2 months morgan stanley

Reviewer Comment (2021-02-08): Received additional assets.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410544

19738736

02/02/2021

Compliance

Federal Compliance

Wages Documentation

Qualified Mortgage (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (xxxx/Wages)

Reviewer Comment (2021-02-08): Received missing income docs. Seller Comment (2021-02-05): signed 1040's

Reviewer Comment (2021-02-08): Received missing income docs.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410544

19738737

02/02/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - Wages

Ability to Repay (Dodd-Frank 2014):  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. (xxxx/Wages)

Reviewer Comment (2021-02-08): Received missing income docs. Seller Comment (2021-02-05): 2019 taxews

Reviewer Comment (2021-02-08): Received missing income docs.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410544

19738738

02/02/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-08): Received missing income docs.

Reviewer Comment (2021-02-08): Received missing income docs.

Cleared

02/08/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302410544

19738739

02/02/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-08): Received missing income docs. Seller Comment (2021-02-05): transcripts

Reviewer Comment (2021-02-08): Received missing income docs.

Cleared

02/08/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302410544

19738740

02/02/2021

Compliance

Federal Compliance

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxx not received by borrower at least four (4) business days prior to closing. (Interxxxx021)

Reviewer Comment (2021-02-09): Received evidence of earlier delivery. Seller Comment (2021-02-09): esign forboth Reviewer Comment (2021-02-08): Evidence of earlier borrower receipt was not provided. Seller Comment (2021-02-05): voe and w2's

Reviewer Comment (2021-02-09): Received evidence of earlier delivery. Reviewer Comment (2021-02-08): Evidence of earlier borrower receipt was not provided.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410544

19738746

02/02/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx Paystubs, W-2 (2018), W-2 (2019) Paystubs, W-2 (2019)

Reviewer Comment (2021-02-11): Received  missing income docs. Seller Comment (2021-02-09): xxxx 2019 w2 Reviewer Comment (2021-02-08): Received pay stubs and W-2's.  Missing 2019 W-2 for xxxx. Seller Comment (2021-02-05): stubs for both

Reviewer Comment (2021-02-11): Received  missing income docs. Reviewer Comment (2021-02-08): Received pay stubs and W-2's.  Missing 2019 W-2 for xxxx.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410544

19738756

02/02/2021

Property

Appraisal Documentation

Loan is to be securitized.  Appraisal is missing.; Sec ID: 1

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-11): Received appraisal. Seller Comment (2021-02-09): appraisal report Reviewer Comment (2021-02-08): Appraisal was not provided. Seller Comment (2021-02-05): appraisal

Reviewer Comment (2021-02-11): Received appraisal. Reviewer Comment (2021-02-08): Appraisal was not provided.

Cleared

02/11/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302410544

19738757

02/02/2021

Credit

Application / Processing

FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.

Reviewer Comment (2021-02-11): Received appraisal. Seller Comment (2021-02-09): appraisal Reviewer Comment (2021-02-08): Appraisal was not provided. Seller Comment (2021-02-05): appraisal

Reviewer Comment (2021-02-11): Received appraisal. Reviewer Comment (2021-02-08): Appraisal was not provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410544

19764763

02/02/2021

Credit

Appraisal Documentation

Missing Document: Appraisal not provided

Reviewer Comment (2021-02-11): Received appraisal. Seller Comment (2021-02-09): appraisal report Reviewer Comment (2021-02-08): Appraisal was not provided.  Received CDA. Seller Comment (2021-02-05): appraisal

Reviewer Comment (2021-02-11): Received appraisal. Reviewer Comment (2021-02-08): Appraisal was not provided.  Received CDA.

Cleared

02/11/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302410544

19775359

02/03/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx, Financial Institution: xxxx // Account Type: Savings / Account Number: xxxx, Financial Institution: xxxx // Account Type: Savings / Account Number: xxxx

Reviewer Comment (2021-02-08): Received 2nd months statatement. Seller Comment (2021-02-05): xxxx statement

Reviewer Comment (2021-02-08): Received 2nd months statatement.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302410544

19882777

02/11/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 27,169.20 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-15): Received PCCD issuedxxxx correcting the property costs and a LOX. Seller Comment (2021-02-11): pccd with corrected hoa

Reviewer Comment (2021-02-15): Received PCCD issuedxxxx correcting the property costs and a LOX.

Cured

N

3

2

B

B

B

B

B

302388896

19736344

02/01/2021

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 43.00919% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-02-19): Provided income calculation worksheet Seller Comment (2021-02-18): Using a 12 month average of the 2019 1065 loss would give you $138.25.  Her base income of $13588 - $138.25 = $13449.75 which brings our ratios to 42.98, still under 43%. Based on the underwriter’s worksheet that I was sent, she was only using $13439.

Reviewer Comment (2021-02-19): Provided income calculation worksheet

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388896

19736345

02/01/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-02-19): Provided income calculation worksheet Buyer Comment (2021-02-18): duplicate condition

Reviewer Comment (2021-02-19): Provided income calculation worksheet

Cleared

02/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302388896

19736346

02/01/2021

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-02-19): Provided income calculation worksheet Buyer Comment (2021-02-18): duplicate condition

Reviewer Comment (2021-02-19): Provided income calculation worksheet

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388896

19736415

02/01/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 43.00919% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-02-19): Provided income calculation worksheet Buyer Comment (2021-02-18): duplicate condition

Reviewer Comment (2021-02-19): Provided income calculation worksheet

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302388896

19736461

02/01/2021

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-02-19): Provided income calculation worksheet Buyer Comment (2021-02-18): duplicate condition

Reviewer Comment (2021-02-19): Provided income calculation worksheet

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289118

19512165

01/11/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx 1084 or income worksheet 1084 or income worksheet

Reviewer Comment (2021-01-27): Received income analysis worksheet. Seller Comment (2021-01-25): Income docs

Reviewer Comment (2021-01-27): Received income analysis worksheet.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302289118

19512509

01/11/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 29,285.64 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-19): Letter of Explanation & Corrected Closing Disclosure Seller Comment (2021-01-14): PCCD and FSS

Reviewer Comment (2021-01-19): Letter of Explanation & Corrected Closing Disclosure

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302289118

19512511

01/11/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-19): Provided PCCD correcting disbursement date Seller Comment (2021-01-14): PCCD, FSS ROR

Reviewer Comment (2021-01-19): Provided PCCD correcting disbursement date

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267606

19498811

01/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-01-15): xxxx received PCCD   indicating and final settlement statement indicating cure. Seller Comment (2021-01-12): Note the cure for $180 is in the FSS and PCCD as a credit.

Reviewer Comment (2021-01-15): xxxx received PCCD   indicating and final settlement statement indicating cure.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302267606

19569286

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. (7505)

Reviewer Comment (2021-01-15): Sufficient Cure Provided within 60 Days of Closing

Reviewer Comment (2021-01-15): Sufficient Cure Provided within 60 Days of Closing

Cured

N

1

1

A

A

A

A

A

302370956

No Finding

Loan Completed Without Finding

Review Complete

02/01/2021

1

1

302248815

19648146

01/22/2021

Credit

Closing / Title

Missing Document: Security Instrument - Subject Lien not provided

Reviewer Comment (2021-02-01): Received mortgage. Seller Comment (2021-01-27): Security Inst.

Reviewer Comment (2021-02-01): Received mortgage.

Cleared

02/01/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302248815

19648441

01/22/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-09): Received the VVOE for the prior employer.

Reviewer Comment (2021-02-09): Received the VVOE for the prior employer.

Cleared

02/09/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302248815

19648443

01/22/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-01): Received PCCD issuedxxxx reflecting an updated disbursement date of xxxx and a LOX. Seller Comment (2021-01-28): PCCD

Reviewer Comment (2021-02-01): Received PCCD issuedxxxx reflecting an updated disbursement date of xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302248815

19648465

01/22/2021

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-09): Received the VVOE for the prior employer.

Reviewer Comment (2021-02-09): Received the VVOE for the prior employer.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332758

19683117

01/27/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $516.30 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7723)

Reviewer Comment (2021-02-05): Provided COC and LOX along with SSPL Seller Comment (2021-02-05): lox Reviewer Comment (2021-02-04): xxxx is unable to determine from the file whether the lender or title company required the survey.  If the lender required the survey fee then a cure is due to the borrower.  If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed.  The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected. Seller Comment (2021-02-03): coc

Reviewer Comment (2021-02-05): Provided COC and LOX along with SSPL Reviewer Comment (2021-02-04): xxxx is unable to determine from the file whether the lender or title company required the survey.  If the lender required the survey fee then a cure is due to the borrower.  If the borrower-chosen service provider further outsourced the Survey Fee, an attestation or comment on exception from the seller is needed.  The attestation/letter should confirm that the service was outsourced by the borrower-chosen provider. This attestation would allow us to test the fee under the no tolerance category with the understanding that the new fee added on the CD was imposed by a provider through which the borrower indirectly selected.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332758

19683132

01/27/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-05): Provided information that companies are one in the same Seller Comment (2021-02-03): lox

Reviewer Comment (2021-02-05): Provided information that companies are one in the same

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316425

19644647

01/22/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-17): Provided executed GAP letter Seller Comment (2021-02-16): lox dated Reviewer Comment (2021-02-05): Received gap letter but it was not dated. Seller Comment (2021-02-04): lox Reviewer Comment (2021-02-03): VOE from borrowers previous employer reflects an end date ofxxxx and borrowers new employment started onxxxx.  There is a gap over 30 days that was unexplained. Seller Comment (2021-02-01): voe

Reviewer Comment (2021-02-17): Provided executed GAP letter Reviewer Comment (2021-02-05): Received gap letter but it was not dated. Reviewer Comment (2021-02-03): VOE from borrowers previous employer reflects an end date ofxxxx and borrowers new employment started onxxxx.  There is a gap over 30 days that was unexplained.

Cleared

02/17/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302316425

19644649

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,175.00 exceeds tolerance of $1,000.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-03): Received attestation stating the COC is dated xxxx instead of xxxx. Seller Comment (2021-02-03): attestation letter Reviewer Comment (2021-02-02): xxxx received Changed Circumstance dated xxxx.  The appraisal fee increased on LE issued xxxx, which is 14 days from the change date.  In order to re-baseline fees, a revised LE/CD needed to be issued within 3 business days of the change occurring.  Provide a corrected CD, copy of the refund check, proof of mailing,  and a copy of the letter of explanation sent to the borrower disclosing the changes made. Seller Comment (2021-02-01): coc

Reviewer Comment (2021-02-03): Received attestation stating the COC is dated xxxx instead of xxxx. Reviewer Comment (2021-02-02): xxxx received Changed Circumstance dated xxxx.  The appraisal fee increased on LE issued xxxx, which is 14 days from the change date.  In order to re-baseline fees, a revised LE/CD needed to be issued within 3 business days of the change occurring.  Provide a corrected CD, copy of the refund check, proof of mailing,  and a copy of the letter of explanation sent to the borrower disclosing the changes made.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302407990

19731473

02/01/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Address: xxxx, Address: xxxx, Address: xxxx Insurance Verification, Tax Verification Insurance Verification, Tax Verification Insurance Verification, Tax Verification Insurance Verification, Tax Verification

Reviewer Comment (2021-02-08): Provided REP documentation Seller Comment (2021-02-04): see attached

Reviewer Comment (2021-02-08): Provided REP documentation

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302407990

19731926

02/01/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-12): Signed and dated personal returns provided. Seller Comment (2021-02-11): please see signature pages for personal tax returns already provided Reviewer Comment (2021-02-08): Personal executed Tax returns not provided Seller Comment (2021-02-04): see attached

Reviewer Comment (2021-02-12): Signed and dated personal returns provided. Reviewer Comment (2021-02-08): Personal executed Tax returns not provided

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302407990

19731927

02/01/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-12): Signed and dated personal returns provided Seller Comment (2021-02-11): please see attached signature pages for personal tax returns already provided Reviewer Comment (2021-02-08): Personal executed Tax returns not provided Seller Comment (2021-02-04): see attached

Reviewer Comment (2021-02-12): Signed and dated personal returns provided Reviewer Comment (2021-02-08): Personal executed Tax returns not provided

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302407990

19731931

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-02-05): Received final settlement statement confirming cure was provided at consummation. Seller Comment (2021-02-03): please see attached pccd lender credit for cure was provided at funding per fss already provided

Reviewer Comment (2021-02-05): Received final settlement statement confirming cure was provided at consummation.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302407990

19731932

02/01/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-05): Received final settlement statement confirming cure was provided at consummation. Seller Comment (2021-02-03): see attached

Reviewer Comment (2021-02-05): Received final settlement statement confirming cure was provided at consummation.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302407990

19732037

02/01/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-12): Signed and dated personal returns provided Buyer Comment (2021-02-11): signature pages provided in previous condition Reviewer Comment (2021-02-08): Personal executed Tax returns not provided Seller Comment (2021-02-04): see attached

Reviewer Comment (2021-02-12): Signed and dated personal returns provided Reviewer Comment (2021-02-08): Personal executed Tax returns not provided

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302391404

19583743

01/19/2021

Compliance

Closing / Title

Missing Document: Note - Subject Lien not provided

Reviewer Comment (2021-01-22): Received note. Seller Comment (2021-01-22): NOTE

Reviewer Comment (2021-01-22): Received note.

Cleared

01/22/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302276606

19656836

01/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-01-25): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-25): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302276606

19679851

01/27/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-01): Provided Title reflecting correct amount of $xxxx Seller Comment (2021-01-28): see attached

Reviewer Comment (2021-02-01): Provided Title reflecting correct amount of $xxxx

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332839

19632787

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $950.00 exceeds tolerance of $875.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-22): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302332839

19632788

01/22/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-02): Received PCCD issued 1/2/2021 updating the disbursement date to xxxx and a LOX. Seller Comment (2021-01-29): PCCD attached

Reviewer Comment (2021-02-02): Received PCCD issued 1/2/2021 updating the disbursement date to xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302391370

19749666

02/02/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-08): Received hazard policy. Seller Comment (2021-02-05): see attached

Reviewer Comment (2021-02-08): Received hazard policy.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302391370

19756043

02/02/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-08): Received PCCD issuedxxxx reflecting an updated disbursement date ofxxxx and a LOX. Seller Comment (2021-02-05): see attached pccd

Reviewer Comment (2021-02-08): Received PCCD issuedxxxx reflecting an updated disbursement date ofxxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302391370

19776764

02/03/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-08): Received earlier e-consent. Seller Comment (2021-02-05): see attached

Reviewer Comment (2021-02-08): Received earlier e-consent.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302391370

19776765

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302391370

19781525

02/04/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx, Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx, Financial Institution: xxxx // Account Type: Savings / Account Number: xxxx, Financial Institution: xxxx // Account Type: Savings / Account Number: xxxx

Reviewer Comment (2021-02-08): Received 2nd month statement. Seller Comment (2021-02-05): see attached

Reviewer Comment (2021-02-08): Received 2nd month statement.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302391370

19809010

02/08/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-12): Provided evidence of 100% Replacement Coverage for Hazard Insurance. xxxx Seller Comment (2021-02-10): Hello xxxx, Generally xxxx doesn't provide rce.. they have standard form letter.. attached.   I think this generally passes. Let me know.

Reviewer Comment (2021-02-12): Provided evidence of 100% Replacement Coverage for Hazard Insurance. xxxx

Cleared

02/12/2021

N

3

1

A

A

A

A

A

302274519

No Finding

Loan Completed Without Finding

Review Complete

xxxx  12:45:02 PM

1

1

302285335

19749055

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $180.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302171338

19772648

02/03/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Tax Verification

Reviewer Comment (2021-02-12): Taxes and insurance were on the 1040's. Seller Comment (2021-02-11): MISC Reviewer Comment (2021-02-11): Received rebuttal stating the lender used taxes from 1040's.  Please provide the actual tax and hazard documentation.  The 1040's reflect only $856 for taxes which appears low since the property has a value of $xxxx per final 1003. Seller Comment (2021-02-08): MISC

Reviewer Comment (2021-02-12): Taxes and insurance were on the 1040's. Reviewer Comment (2021-02-11): Received rebuttal stating the lender used taxes from 1040's.  Please provide the actual tax and hazard documentation.  The 1040's reflect only $856 for taxes which appears low since the property has a value of $xxxx per final 1003.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302171338

19772796

02/03/2021

Compliance

Federal Compliance

Other Income - Not to be used for qualifying

Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (xxxx)/Asset Depletion)

Reviewer Comment (2021-02-11): Received evidence of IRA distribution. Seller Comment (2021-02-08): MISC

Reviewer Comment (2021-02-11): Received evidence of IRA distribution.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302171338

19772797

02/03/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-11): Received balance sheet. Seller Comment (2021-02-08): MISC

Reviewer Comment (2021-02-11): Received balance sheet.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302171338

19772821

02/03/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-02-19): xxxx received 11/04 CD. Seller Comment (2021-02-16): PROOF OF RECEIPT Reviewer Comment (2021-02-15): Missing evidence of receipt of initial CD Seller Comment (2021-02-11): INITIAL CD Reviewer Comment (2021-02-11): PCCD is not an acceptable cure.  Missing evidence of an initial CD. Seller Comment (2021-02-10): PCCD AND FSS

Reviewer Comment (2021-02-19): xxxx received 11/04 CD. Reviewer Comment (2021-02-15): Missing evidence of receipt of initial CD Reviewer Comment (2021-02-11): PCCD is not an acceptable cure.  Missing evidence of an initial CD.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302171338

19772849

02/03/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-11): Received balance sheet and evidence of IRA distribution.

Reviewer Comment (2021-02-11): Received balance sheet and evidence of IRA distribution.

Cleared

02/11/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302171338

19772850

02/03/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-11): Received balance sheet and evidence of IRA distribution. Seller Comment (2021-02-09): MISC

Reviewer Comment (2021-02-11): Received balance sheet and evidence of IRA distribution.

Cleared

02/11/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302171338

19958613

02/19/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee.  Fee Amount of $155.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7508)

Reviewer Comment (2021-02-19): xxxx received PCCD with corresponding cure.

Reviewer Comment (2021-02-19): xxxx received PCCD with corresponding cure.

Cleared

02/19/2021

N

3

1

A

A

A

A

A

302171338

19958621

02/19/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-02-19): xxxx received PCCD with corresponding cure.

Reviewer Comment (2021-02-19): xxxx received PCCD with corresponding cure.

Cleared

02/19/2021

N

3

1

A

A

A

A

A

302338157

19591593

01/20/2021

Compliance

Federal Compliance

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxx not received by borrower at least four (4) business days prior to closing. (Interxxxx020)

Reviewer Comment (2021-02-08): xxxx received proof of receipt, exception is cleared. Seller Comment (2021-02-02): MISC Reviewer Comment (2021-01-29): xxxx received Corrected CD and LOE to borrower.  Documentation does not address the timing exception on the Revised LE.  Provide proof of earlier receipt, as mailbox rule is in effect. Seller Comment (2021-01-26): pccd

Reviewer Comment (2021-02-08): xxxx received proof of receipt, exception is cleared. Reviewer Comment (2021-01-29): xxxx received Corrected CD and LOE to borrower.  Documentation does not address the timing exception on the Revised LE.  Provide proof of earlier receipt, as mailbox rule is in effect.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338157

19603165

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $975.00 exceeds tolerance of $900.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting a tolerance cure of $75, LOE, copy of refund check and evidence of delivery. Seller Comment (2021-02-11): CURE Reviewer Comment (2021-02-08): Copy of refund check required to complete cure. Seller Comment (2021-02-08): CURE Reviewer Comment (2021-01-29): xxxx received Corrected CD and LOE to borrower.  Missing copy of cure refund and proof of mailing to finalize cure. Seller Comment (2021-01-26): pccd

Reviewer Comment (2021-02-14): Received PCCD issuedxxxx reflecting a tolerance cure of $75, LOE, copy of refund check and evidence of delivery. Reviewer Comment (2021-02-08): Copy of refund check required to complete cure. Reviewer Comment (2021-01-29): xxxx received Corrected CD and LOE to borrower.  Missing copy of cure refund and proof of mailing to finalize cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302316472

19743512

02/02/2021

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2021-02-08): Received initial 1003. Seller Comment (2021-02-05): Initial 1003

Reviewer Comment (2021-02-08): Received initial 1003.

Cleared

02/08/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302316472

19745617

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $600.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-14): Cure docs provided. Seller Comment (2021-02-09): PCCD with correct dates. The $100.00 for appraisal fee was given at closing and appears on the FSS and PCCD. No addtl check needed for cure

Reviewer Comment (2021-02-14): Cure docs provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302368634

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302281207

19589875

01/20/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-01-28): Received fraud report.  All red flags addressed. Seller Comment (2021-01-26): Fraud report

Reviewer Comment (2021-01-28): Received fraud report.  All red flags addressed.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302281207

19599279

01/20/2021

Credit

Application / Processing

Missing Document: Missing Final 1003

Reviewer Comment (2021-01-28): Received final 1003. Seller Comment (2021-01-26): final 1003

Reviewer Comment (2021-01-28): Received final 1003.

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273142

19596398

01/20/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-11): Received P&L and balance sheet. Seller Comment (2021-02-10): Rebuttal with support Reviewer Comment (2021-02-05): Received CPA letter stating business is closed in the 4th quarter 2020.  Please provide documentation supporting the business has ceased.  P&L and balance sheet was not provided. Seller Comment (2021-02-03): CPA Letter/P&L/Balance Sheet

Reviewer Comment (2021-02-11): Received P&L and balance sheet. Reviewer Comment (2021-02-05): Received CPA letter stating business is closed in the 4th quarter 2020.  Please provide documentation supporting the business has ceased.  P&L and balance sheet was not provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273142

19596399

01/20/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-11): Received P&L and balance sheet. Seller Comment (2021-02-10): Rebuttal with Support Reviewer Comment (2021-02-05): Received CPA letter stating business is closed in the 4th quarter 2020.  Please provide documentation supporting the business has ceased.  P&L and balance sheet was not provided. Seller Comment (2021-02-03): CPA Letter/P&L/Balance Sheet

Reviewer Comment (2021-02-11): Received P&L and balance sheet. Reviewer Comment (2021-02-05): Received CPA letter stating business is closed in the 4th quarter 2020.  Please provide documentation supporting the business has ceased.  P&L and balance sheet was not provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273142

19596401

01/20/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-11): Received P&L and balance sheet. Seller Comment (2021-02-10): Rebuttal with Support Reviewer Comment (2021-02-05): P&L and balance sheet was not provided. Seller Comment (2021-02-03): CPA Letter/P&L/Balance Sheet

Reviewer Comment (2021-02-11): Received P&L and balance sheet. Reviewer Comment (2021-02-05): P&L and balance sheet was not provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273142

19596402

01/20/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-11): Received missing income docs. Seller Comment (2021-02-10): Rebuttal with support Reviewer Comment (2021-02-05): Income documentation exceptions remain. Seller Comment (2021-02-03): CPA Letter/P&L/Balance Sheet

Reviewer Comment (2021-02-11): Received missing income docs. Reviewer Comment (2021-02-05): Income documentation exceptions remain.

Cleared

02/11/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302176108

19509134

01/11/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-01-14): PDI dated xxxx-Disaster end date reflects xxxx. Disaster Dec date xxxx Seller Comment (2021-01-13): PDI

Reviewer Comment (2021-01-14): PDI dated xxxx-Disaster end date reflects xxxx. Disaster Dec date xxxx

The representative FICO score is above 680. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Property inspected post disaster but pre-FEMA declaration of disaster end date.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302278982

19405760

01/04/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-01-12): Provided PDI Seller Comment (2021-01-11): PDI

Reviewer Comment (2021-01-12): Provided PDI

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302401359

19767599

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Evidence of Insurance.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (81724)

Reviewer Comment (2021-02-21): Received PCCD issued 2/9/2021 reflecting a tolerance cure of $100, a LOE, copy of refund check and evidence of delivery. Seller Comment (2021-02-17): PCCD and Refund ck

Reviewer Comment (2021-02-21): Received PCCD issued 2/9/2021 reflecting a tolerance cure of $100, a LOE, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302372402

19779835

02/04/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-02-13): Received VOE. Seller Comment (2021-02-12): VOE

Reviewer Comment (2021-02-13): Received VOE.

Cleared

02/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331398

19774151

02/03/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-19):xxxx:  Unable to clear.   Please provide a 3rd party verification or CPA Letter to verify the start / end dates of the Schedule C employment.   Exception remains open. Seller Comment (2021-02-18): please see attached LOE (profit loss statement), 2019 tax returns and 3rd party verification and advise if this is acceptable as the previous employment history was self -employment Reviewer Comment (2021-02-11): Most recent hire date isxxxx, borrower on current job for 1.98 years.  2 years employment needs to be verified. Seller Comment (2021-02-10): per voe original hire date was 6-4-93 and most recent hire date was 1-28-19

Reviewer Comment (2021-02-19):xxxx:  Unable to clear.   Please provide a 3rd party verification or CPA Letter to verify the start / end dates of the Schedule C employment.   Exception remains open. Reviewer Comment (2021-02-11): Most recent hire date isxxxx, borrower on current job for 1.98 years.  2 years employment needs to be verified.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302331398

19774169

02/03/2021

Credit

Application / Processing

Missing Document: Flood Certificate not provided

Reviewer Comment (2021-02-11): Received flood cert. Seller Comment (2021-02-10): flood cert attached was provided in the bundle sent

Reviewer Comment (2021-02-11): Received flood cert.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302331398

19784921

02/04/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-19):xxxx:  Lender provided the VVOE within 5 days of consummation.   Exception has been cleared. Seller Comment (2021-02-18): updated VVOE

Reviewer Comment (2021-02-19):xxxx:  Lender provided the VVOE within 5 days of consummation.   Exception has been cleared.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302370955

19771288

02/03/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-12): Provided VVOE within 5 days of closing. xxxx Seller Comment (2021-02-11): VOE

Reviewer Comment (2021-02-12): Provided VVOE within 5 days of closing. xxxx

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367041

19773900

02/03/2021

Credit

Application / Processing

Missing Document: Flood Certificate not provided

Reviewer Comment (2021-02-12): Received flood cert. Seller Comment (2021-02-11): see attached

Reviewer Comment (2021-02-12): Received flood cert.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367041

19775351

02/03/2021

Credit

Insurance Documentation

Hazard Insurance Error: Subject hazard insurance policy coverage amount is missing from evidence of insurance.

Reviewer Comment (2021-02-12): Received hazard policy with sufficient coverage. Seller Comment (2021-02-12): Dwelling is xxxx plus 25% on Replacement cost coverage - $xxxx

Reviewer Comment (2021-02-12): Received hazard policy with sufficient coverage.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367041

19775384

02/03/2021

Credit

Title / Lien Defect

Title Policy is Preliminary or Commitment, and not a Final Title Policy.

Title Evidence: Commitment

Reviewer Comment (2021-02-17): Final title provided.

Reviewer Comment (2021-02-17): Final title provided.

Cleared

02/17/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302367041

19780632

02/04/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-17): Final title provided with revised coverage amount. Seller Comment (2021-02-17): see attached

Reviewer Comment (2021-02-17): Final title provided with revised coverage amount.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367041

19780665

02/04/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019)

Reviewer Comment (2021-02-17): 2019 1040's provided. Seller Comment (2021-02-17): see attached Reviewer Comment (2021-02-12): Received 2018 returns.  Only received the 1st 2 pages of the 2019 tax returns. Seller Comment (2021-02-11): see attached

Reviewer Comment (2021-02-17): 2019 1040's provided. Reviewer Comment (2021-02-12): Received 2018 returns.  Only received the 1st 2 pages of the 2019 tax returns.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367041

19780668

02/04/2021

Compliance

Miscellaneous Compliance

Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD.

Date Issued: xxxx Title - Notary Fee

Reviewer Comment (2021-02-17): Provided Post Closing Disclosure with Payee for Title-Notary Fee.xxxx Seller Comment (2021-02-16): see attached

Reviewer Comment (2021-02-17): Provided Post Closing Disclosure with Payee for Title-Notary Fee.xxxx

Cleared

02/17/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302406376

19881727

02/11/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire.  Fee Amount of $225.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75215)

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-11): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302406376

19881744

02/11/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Other

Reviewer Comment (2021-02-23): Rec'd CD Seller Comment (2021-02-22): Attached please find the final CD for the refi of xxxx

Reviewer Comment (2021-02-23): Rec'd CD

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277034

19663089

01/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $775.00 exceeds tolerance of $525.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-25): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-25): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302277034

19663281

01/25/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-02-01): xxxx received PCCD, LOE.; exception is cured. Seller Comment (2021-01-27): PCCD and Final Settlement Statement

Reviewer Comment (2021-02-01): xxxx received PCCD, LOE.; exception is cured.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302277034

19737068

02/01/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Of Payments

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-02-08): xxxx received PCCD and Closing statement, exception is cleared. Seller Comment (2021-02-02): PCCD and Final Settlement Stmt

Reviewer Comment (2021-02-08): xxxx received PCCD and Closing statement, exception is cleared.

Cleared

02/08/2021

N

3

1

A

A

A

A

A

302285330

19553057

01/14/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-26): Received PCCD issuedxxxx reflecting a updated disbursement date of xxxx and a LOX. Seller Comment (2021-01-25): Attached is the PCCD with correct dates

Reviewer Comment (2021-01-26): Received PCCD issuedxxxx reflecting a updated disbursement date of xxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302285330

19562694

01/15/2021

Credit

Credit Documentation

Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification.

Credit Report: Original // Liability Type: 30 day (E.g. xxxx) / Current Balance: $xxxx / Line Limit: $xxxx

Reviewer Comment (2021-02-09): 30 day account with sufficient assets to cover Buyer Comment (2021-02-01): We have advised underwriting please advise if any action is needed on this suspense.

Reviewer Comment (2021-02-09): 30 day account with sufficient assets to cover

Cleared

02/09/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302316137

19733715

02/01/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-252.27  is less than amount of binding Lender Credit previously disclosed in the amount of $-253.00. (9300)

Reviewer Comment (2021-02-19): xxxx received PCCD, LOE, copy of refund check, and proof of mailing; exception is cured. Seller Comment (2021-02-16): pccd showing cure which was already in the file if you looked Reviewer Comment (2021-02-16): Received copy of refund check for $.73, a loe and evidence of delivery.  Missing PCCD. Seller Comment (2021-02-11): COPY OF CURE CHECK LETTER TO BORROWER AND COPY OF FEDX LABLE

Reviewer Comment (2021-02-19): xxxx received PCCD, LOE, copy of refund check, and proof of mailing; exception is cured. Reviewer Comment (2021-02-16): Received copy of refund check for $.73, a loe and evidence of delivery.  Missing PCCD.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302274681

19733404

02/01/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-07): Received PCCD issued 2/3/2021 updating the disbursement date toxxxx and a LOX. Seller Comment (2021-02-03): see attached

Reviewer Comment (2021-02-07): Received PCCD issued 2/3/2021 updating the disbursement date toxxxx and a LOX.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302278091

19496853

01/08/2021

Credit

Asset Documentation

Asset documentation requirements not met.

Reviewer Comment (2021-01-16): Received final closing statement. Seller Comment (2021-01-13): final settlement statement

Reviewer Comment (2021-01-16): Received final closing statement.

Cleared

01/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278091

19497815

01/08/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00.

Reviewer Comment (2021-01-16): Received CD from sale of property.

Reviewer Comment (2021-01-16): Received CD from sale of property.

Cleared

01/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278091

19497847

01/08/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-18): Received balance sheet. Seller Comment (2021-02-18): tax returns signature pages already upld previously Reviewer Comment (2021-02-18): 2018 and 2019 full executed tax returns were not provided; only 3 pages of 2018 were provided. Seller Comment (2021-02-18): lox Reviewer Comment (2021-02-16): Income documentation exceptions remain. Seller Comment (2021-02-16): sch c Reviewer Comment (2021-02-11): Income documentation exceptions remain. Seller Comment (2021-02-09): lox

Reviewer Comment (2021-02-18): Received balance sheet. Reviewer Comment (2021-02-18): 2018 and 2019 full executed tax returns were not provided; only 3 pages of 2018 were provided. Reviewer Comment (2021-02-16): Income documentation exceptions remain. Reviewer Comment (2021-02-11): Income documentation exceptions remain.

Cleared

02/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302278091

19497853

01/08/2021

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $25,857.83 is less than Cash From Borrower $160,733.53.

Reviewer Comment (2021-01-16): Received CD from sale of property.

Reviewer Comment (2021-01-16): Received CD from sale of property.

Cleared

01/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278091

19514634

01/11/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-18): Client acknowledged based on the lender's guidelines requirement of within 10 days of consummation.

Reviewer Comment (2021-02-18): Client acknowledged based on the lender's guidelines requirement of within 10 days of consummation.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278091

19514703

01/11/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-01-21): Business only considered to include the loss in the DTI. Seller Comment (2021-01-20): lox

Reviewer Comment (2021-01-21): Business only considered to include the loss in the DTI.

Cleared

01/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302278091

19514704

01/11/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-18): Received balance sheet.

Reviewer Comment (2021-02-18): Received balance sheet.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277088

19597595

01/20/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-29): Received business returns. Seller Comment (2021-01-26): Business Tax Returns

Reviewer Comment (2021-01-29): Received business returns.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277088

19597596

01/20/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-29): Received business returns. Seller Comment (2021-01-26): Business Tax Returns

Reviewer Comment (2021-01-29): Received business returns.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277088

19597602

01/20/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-19): Lender cured on 01.05.2021 by reopening rescission; received the updated ROR and LOE.

Reviewer Comment (2021-02-19): Lender cured on 01.05.2021 by reopening rescission; received the updated ROR and LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302277088

19597627

01/20/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-29): Received business returns. Seller Comment (2021-01-26): Business Tax Returns

Reviewer Comment (2021-01-29): Received business returns.

Cleared

01/29/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302372428

No Finding

Loan Completed Without Finding

Review Complete

02/04/2021

1

1

302329316

No Finding

Loan Completed Without Finding

Review Complete

02/05/2021

1

1

302338204

19573092

01/16/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-02-01): Received signed and dated returns. Seller Comment (2021-01-27): Signed Business returns

Reviewer Comment (2021-02-01): Received signed and dated returns.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338204

19573098

01/16/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-01): Received signed and dated returns. Seller Comment (2021-01-27): Business tax returns

Reviewer Comment (2021-02-01): Received signed and dated returns.

Cleared

02/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302336640

19568585

01/15/2021

Credit

Application / Processing

Missing Document: Purchase Agreement / Sales Contract not provided

Reviewer Comment (2021-02-03): Purchase agreement provided. Buyer Comment (2021-02-02): Purchase Contract uploaded

Reviewer Comment (2021-02-03): Purchase agreement provided.

Cleared

02/03/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302336640

19569048

01/15/2021

Credit

Title / Lien Defect

Title Policy Coverage is less than Original Loan Amount.

The Title Policy Amount of $xxxx is less than the note amount of $xxxx based on the title evidence in file.

Reviewer Comment (2021-02-10): Amendment provided with correct coverage amount. Buyer Comment (2021-02-09): Title uploaded

Reviewer Comment (2021-02-10): Amendment provided with correct coverage amount.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302336640

19569071

01/15/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-03): CDA provided with 0% variance. Buyer Comment (2021-02-02): CDA uploaded

Reviewer Comment (2021-02-03): CDA provided with 0% variance.

Cleared

02/03/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302336640

19569194

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7713)

Reviewer Comment (2021-02-10): Cure docs provided. Buyer Comment (2021-02-05): Uploaded LOE Reviewer Comment (2021-02-03): PCCD acknowledged.  Please provided letter of explanation that accompanied it to the borrower. Buyer Comment (2021-02-02): Attached PCCD moving termite fee to section H Buyer Comment (2021-01-29): Per CFPB when a consumer chooses a third-party service provider that is not on the creditor’s written list of service providers, the amount that may be charged for the service is not limited. The pest inspection fee in section C and not the provider listed on the SSPL no tolerance applies.

Reviewer Comment (2021-02-10): Cure docs provided. Reviewer Comment (2021-02-03): PCCD acknowledged.  Please provided letter of explanation that accompanied it to the borrower.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302336640

19699832

01/28/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File)

ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/xxxx)

Reviewer Comment (2021-02-03): Borrower acknowledgment provided. Buyer Comment (2021-02-02): ECOA

Reviewer Comment (2021-02-03): Borrower acknowledgment provided.

Cleared

02/03/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302098621

19598821

01/20/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-04): Provided PDI Seller Comment (2021-02-03): PDI

Reviewer Comment (2021-02-04): Provided PDI

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302098621

19697508

01/28/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $179.00 plus 10% or $196.90.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-01-28): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-28): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302098621

19697509

01/28/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $950.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-28): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-28): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302336683

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302260957

19806560

02/08/2021

Credit

Credit Documentation

Aged document: Credit Report  is more than 90 days prior to the note date.

Credit Report: Original // Borrower: xxxxx

Reviewer Comment (2021-02-16): Client acknowledged based on the DTI.

Reviewer Comment (2021-02-16): Client acknowledged based on the DTI.

The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has owned the subject property for at least 5 years. Borrower has been employed in the same industry for more than 5 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The qualifying DTI on the loan is at least 10% less than the guideline maximum.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302260957

19806754

02/08/2021

Compliance

State Compliance

Ohio Consumer Sales Practices Act (Ability to Repay not Verified)

Ohio Consumer Sales Practices Act:  Borrower’s ability to repay not verified with reliable documentation.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302260957

19806755

02/08/2021

Compliance

State Compliance

Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis)

Ohio Consumer Sales Practices Act:  Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.

Open

N

2

2

B

B

B

B

B

B

B

B

B

B

302303759

19625490

01/21/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 137.50 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-27): xxxx received PCCD and LOE; exception is cured. Seller Comment (2021-01-25): lox Reviewer Comment (2021-01-25): Received corrected PCCD; however, LOE sent with the PCCD was not provided. Seller Comment (2021-01-25): pccd and proof sent Reviewer Comment (2021-01-25): The final CD disclosed non-escrow costs of $137.50; LOE provided states the HOA dues are voluntary at $120/year.  Either way the final CD is not accurate. Seller Comment (2021-01-23): lox and app 2

Reviewer Comment (2021-01-27): xxxx received PCCD and LOE; exception is cured. Reviewer Comment (2021-01-25): Received corrected PCCD; however, LOE sent with the PCCD was not provided. Reviewer Comment (2021-01-25): The final CD disclosed non-escrow costs of $137.50; LOE provided states the HOA dues are voluntary at $120/year.  Either way the final CD is not accurate.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302303759

19625491

01/21/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $60.00 exceeds tolerance of $50.00 plus 10% or $55.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302096050

No Finding

Loan Completed Without Finding

Review Complete

xxxx  7:40:35 PM

1

1

302226648

19643352

01/22/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $350.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-02): sufficient cure provided at closing. Buyer Comment (2021-01-28): This condition appears to be invalid. Final CD shows a tolerance cure of $150 for the increase in the appraisal fee. This tolerance cure was already granted and no further cure should be needed.

Reviewer Comment (2021-02-02): sufficient cure provided at closing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302137090

19498927

01/08/2021

Credit

Closing / Title

Missing Document: Rider - Other not provided

Reviewer Comment (2021-01-19): Received copy of the fixed interest rate rider.

Reviewer Comment (2021-01-19): Received copy of the fixed interest rate rider.

Cleared

01/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302137090

19498986

01/08/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 13,946.35 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-01-15): Letter of Explanation & Corrected Closing Disclosure Provided Seller Comment (2021-01-12): pccd

Reviewer Comment (2021-01-15): Letter of Explanation & Corrected Closing Disclosure Provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302137090

19501710

01/09/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-01-14): Received P&L and balance sheet. Seller Comment (2021-01-13): income

Reviewer Comment (2021-01-14): Received P&L and balance sheet.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302137090

19501711

01/09/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-14): Received P&L and balance sheet. Seller Comment (2021-01-13): income

Reviewer Comment (2021-01-14): Received P&L and balance sheet.

Cleared

01/14/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302137090

19501730

01/09/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Balance Sheet, P&L Statement, Third Party Verification

Reviewer Comment (2021-01-14): Received P&L and balance sheet. Seller Comment (2021-01-13): income

Reviewer Comment (2021-01-14): Received P&L and balance sheet.

Cleared

01/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243737

19724167

01/30/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-08): Letter of Explanation & Corrected Closing Disclosure provided Seller Comment (2021-02-04): post CD

Reviewer Comment (2021-02-08): Letter of Explanation & Corrected Closing Disclosure provided

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302243737

19724168

01/30/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-30): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-30): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302268738

19735691

02/01/2021

Compliance

State Compliance

Illinois SB 1894

IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.

Reviewer Comment (2021-02-07): Received disclosure. Seller Comment (2021-02-05): cert of compliance

Reviewer Comment (2021-02-07): Received disclosure.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302268738

19735692

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75195)

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302268738

19735693

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of $300.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing. (7561)

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302268738

19735694

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7563)

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302268738

19735695

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $200.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. (7567)

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-01): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302268738

19735853

02/01/2021

Credit

Guideline Issue

Aged document: Asset Account date is more than 90 days prior to Closing.

Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx

Reviewer Comment (2021-02-10): Client acknowledged based on the borrower's credit history.

Reviewer Comment (2021-02-10): Client acknowledged based on the borrower's credit history.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years. The representative FICO score exceeds the guideline minimum by at least 40 points. The representative FICO score exceeds the guideline minimum by at least 40 points.

Waived

N

3

2

C

B

C

B

C

B

C

B

C

B

302250451

No Finding

Loan Completed Without Finding

Review Complete

xxxx  2:01:42 PM

1

1

302304085

No Finding

Loan Completed Without Finding

Review Complete

02/24/2021

1

1

302307074

19786511

02/04/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of $297.00 exceeds tolerance of $292.00.  Insufficient or no cure was provided to the borrower. (7561)

Reviewer Comment (2021-03-03): Lender cured on the PCCD dated xxxx by refunding the borrower $5.00. Received proof of refund, LOE, corrected CD, and proof of delivery. Seller Comment (2021-02-25): tolerance cure docs Reviewer Comment (2021-02-16): Title-Settlement fee is held to a 0% tolerance as borrower did not shop for fee and vendor is reflected as an Affiliate on the ABA disclosure. Cure requirement of LOE to borrower, corrected CD, proof of mailing and copy of refund check are required. Reviewer Comment (2021-02-09): Title – Settlement/Closing/ fee is held to a 0% tolerance as it is paid to an affiliate of the lender. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check. Buyer Comment (2021-02-09): please waive.  The correct way to determine if a cure is need is by adding all title X 10%.

Reviewer Comment (2021-03-03): Lender cured on the PCCD dated xxxx by refunding the borrower $5.00. Received proof of refund, LOE, corrected CD, and proof of delivery. Reviewer Comment (2021-02-16): Title-Settlement fee is held to a 0% tolerance as borrower did not shop for fee and vendor is reflected as an Affiliate on the ABA disclosure. Cure requirement of LOE to borrower, corrected CD, proof of mailing and copy of refund check are required. Reviewer Comment (2021-02-09): Title – Settlement/Closing/ fee is held to a 0% tolerance as it is paid to an affiliate of the lender. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302320447

19793238

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320447

19793239

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75188)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320447

19793240

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Service Charges.  Fee Amount of $35.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75199)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320447

19793241

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of $292.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing. (7561)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302320447

19793242

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $200.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. (7567)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302317906

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302331329

19807549

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $450.00 exceeds tolerance of $350.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302323344

19788293

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $450.00 exceeds tolerance of $350.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302331328

No Finding

Loan Completed Without Finding

Review Complete

02/12/2021

1

1

302335617

19880730

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee.  Fee Amount of $35.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75204)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302335617

19880731

02/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee.  Fee Amount of $3.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75229)

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302147642

No Finding

Loan Completed Without Finding

Review Complete

02/11/2021

1

1

302412300

No Finding

Loan Completed Without Finding

Review Complete

03/04/2021

1

1

302213580

19585836

01/19/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Will Not Have Escrow -  Reason

TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xxxx incorrectly disclosed whether the loan will have an escrow account. (Final/xxxx)

Reviewer Comment (2021-02-09): PCCD and LOE provided to borrower. Buyer Comment (2021-02-04): correct PCCD/LOE Reviewer Comment (2021-02-04): xxxx received CD for non subject loan. Please provide a corrected CD and LOE to cure. Buyer Comment (2021-02-01): Uploaded revised PCCD.

Reviewer Comment (2021-02-09): PCCD and LOE provided to borrower. Reviewer Comment (2021-02-04): xxxx received CD for non subject loan. Please provide a corrected CD and LOE to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302314662

19183285

12/07/2020

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-01-12): Credit Plus fraud report provided. Buyer Comment (2021-01-07): Fraud uploaded

Reviewer Comment (2021-01-12): Credit Plus fraud report provided.

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314662

19183982

12/07/2020

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx Transcripts (2018), Transcripts (2019), W-2 (2018) Transcripts (2018), Transcripts (2019), W-2 (2018)

Reviewer Comment (2021-01-12): Tax transcripts provided for both borrowers. Buyer Comment (2021-01-07): transcripts uploaded

Reviewer Comment (2021-01-12): Tax transcripts provided for both borrowers.

Cleared

01/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314662

19329116

xxxx  9:06:18 PM

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-01-20): A CD without issue date provided. Reviewer Comment (2021-01-20): Please provide an attestation of the issue date of the CD submitted without issue date for review. Buyer Comment (2021-01-14): Uploaded revised CD Reviewer Comment (2021-01-12): PCCD provided but does not address exception.  Please provide evidence that CD was provided at least 3 business days prior to closing. Buyer Comment (2021-01-08): PCCD

Reviewer Comment (2021-01-20): A CD without issue date provided. Reviewer Comment (2021-01-20): Please provide an attestation of the issue date of the CD submitted without issue date for review. Reviewer Comment (2021-01-12): PCCD provided but does not address exception.  Please provide evidence that CD was provided at least 3 business days prior to closing.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302314662

19593143

01/20/2021

Compliance

Federal Compliance

TRID Closing Disclosure Issue Date Not Provided

TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xxxx did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Initial/xxxx)

Reviewer Comment (2021-02-05): xxxx received confirmation of issue date, exception is cleared. Buyer Comment (2021-02-02): Please review again tracking located (D0288) is highlighted showing the CD was issued xxxx and the CD uploaded located (D0290) shows an issue date xxxx all of these items were uploadedxxxx Reviewer Comment (2021-01-28): xxxx received disclosure tracking, however unable to determine date issued of CD with missing Date Issued that reflects cash to close of $113,954.12 in order to determine placement in testing sequence. Buyer Comment (2021-01-25): tracking/initial uploaded Buyer Comment (2021-01-25): tracking/initial

Reviewer Comment (2021-02-05): xxxx received confirmation of issue date, exception is cleared. Reviewer Comment (2021-01-28): xxxx received disclosure tracking, however unable to determine date issued of CD with missing Date Issued that reflects cash to close of $113,954.12 in order to determine placement in testing sequence.

Cleared

02/05/2021

N

3

1

A

A

A

A

A

302314662

19593203

01/20/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-01-28): xxxx received 11-11-20 Initial CD Buyer Comment (2021-01-25): tracking info uploaded with initial

Reviewer Comment (2021-01-28): xxxx received 11-11-20 Initial CD

Cleared

01/28/2021

N

3

1

A

A

A

A

A

302314662

19695749

01/28/2021

Compliance

Federal Compliance

TRID Closing Disclosure Issue Date Not Provided

TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xxxx did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Initial/xxxx)

Reviewer Comment (2021-02-05): xxxx received confirmation of issue date, exception is cleared. Buyer Comment (2021-02-02): Please review again tracking located (D0288) is highlighted showing the CD was issued xxxx and the CD uploaded located (D0290) shows an issue date xxxx all of these items were uploadedxxxx

Reviewer Comment (2021-02-05): xxxx received confirmation of issue date, exception is cleared.

Cleared

02/05/2021

N

3

1

A

A

A

A

A

302278916

19395215

xxxx  5:50:02 PM

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-01-21): Credit plus fraud report provided. Buyer Comment (2021-01-20): Fraud uploaded

Reviewer Comment (2021-01-21): Credit plus fraud report provided.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278916

19395263

xxxx  5:54:41 PM

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $8,886.21 is less than Cash From Borrower $20,056.20.

Reviewer Comment (2021-01-21): Gift funds documented sufficient to meet required closing funds. Buyer Comment (2021-01-20): Attached updated 1008 and AUS reflecting $19K gift from mom. Gift letter and papertrail attached as well. The customer’s $8K in bank account plus $19K gift should cover funds to close.

Reviewer Comment (2021-01-21): Gift funds documented sufficient to meet required closing funds.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278916

19395311

xxxx  5:58:56 PM

Compliance

Federal Compliance

RESPA Disclosure - List of Homeownership Counseling Organizations Missing

RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.

Reviewer Comment (2021-01-19): Disclosure provided. Buyer Comment (2021-01-14): Uploaded Homeowner's Counseling disclosure

Reviewer Comment (2021-01-19): Disclosure provided.

Cleared

01/19/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302278916

19395366

xxxx  6:04:07 PM

Compliance

Federal Compliance

RESPA -  Initial Escrow Account statement Inaccurate

RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

Reviewer Comment (2021-01-26): Signed version provided. Buyer Comment (2021-01-25): signed IEAD Reviewer Comment (2021-01-19): Different IEAD provided but is not signed by borrower.  Previous version was signed. Buyer Comment (2021-01-14): Uploaded Initial Escrow Account disclosure statement

Reviewer Comment (2021-01-26): Signed version provided. Reviewer Comment (2021-01-19): Different IEAD provided but is not signed by borrower.  Previous version was signed.

Cleared

01/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302243689

19875325

02/10/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-17): VVOE dated xxxx was provided for the Borrower and the Co-Borrower. Seller Comment (2021-03-17): VVOE Andrew attached Seller Comment (2021-03-17): VVOE Anna attached Reviewer Comment (2021-03-16): Insufficient Co-Borrower VVOE within 5 business days of closing per guidelines is still missing.

Reviewer Comment (2021-03-17): VVOE dated xxxx was provided for the Borrower and the Co-Borrower. Reviewer Comment (2021-03-16): Insufficient Co-Borrower VVOE within 5 business days of closing per guidelines is still missing.

Cleared

03/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265821

19796936

02/05/2021

Compliance

Federal Compliance

Rental Income Documentation - Schedule E Method Test

Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for xxxx.  Lease Agreement and/or Tax Return not provided. (xxxx/Schedule E)

Reviewer Comment (2021-02-19): Provided Lease Seller Comment (2021-02-18): Lease Uploaded

Reviewer Comment (2021-02-19): Provided Lease

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265821

19796939

02/05/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-19): Provided Lease

Reviewer Comment (2021-02-19): Provided Lease

Cleared

02/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302265821

19796940

02/05/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-26): PCCD and LOE provided. Seller Comment (2021-02-25): LOE Reviewer Comment (2021-02-19): Received PCCD however, Missing LOE to borrower Seller Comment (2021-02-18): Uploaded final settlement statement and PCCD

Reviewer Comment (2021-02-26): PCCD and LOE provided. Reviewer Comment (2021-02-19): Received PCCD however, Missing LOE to borrower

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302265821

19796941

02/05/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-02-19): Provided H9 executed ROR Seller Comment (2021-02-18): NRTC and verification of delivery

Reviewer Comment (2021-02-19): Provided H9 executed ROR

Cleared

02/19/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302305725

19982262

02/23/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $133.90 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-23): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-23): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302265709

19541441

01/13/2021

Credit

Document Error

Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.

Reviewer Comment (2021-01-29): H1B Visa documentation provided.  Allowed per guidelines. Buyer Comment (2021-01-28): V ISA documentation for both borrowers attached

Reviewer Comment (2021-01-29): H1B Visa documentation provided.  Allowed per guidelines.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265709

19544739

01/13/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx Transcripts (2018), Transcripts (2019) Transcripts (2018), Transcripts (2019)

Reviewer Comment (2021-01-29): W2 transcripts provided. Buyer Comment (2021-01-28): 2018 and 2019 W2 tax transcripts attached

Reviewer Comment (2021-01-29): W2 transcripts provided.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265709

19544789

01/13/2021

Credit

Document Error

Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.

Borrower: xxxx, Borrower: xxxx

Reviewer Comment (2021-01-29): H1B Visa documentation provided.  Allowed per guidelines. Buyer Comment (2021-01-28): VISA documentation for both borrowers attached

Reviewer Comment (2021-01-29): H1B Visa documentation provided.  Allowed per guidelines.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265709

19545072

01/13/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-22): PCCD provided to revise disbursement date. Buyer Comment (2021-01-21): Uploaded CD and settlement statement

Reviewer Comment (2021-01-22): PCCD provided to revise disbursement date.

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265709

19555940

01/14/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-01-29): Approve\ineligible DU findings provided. Buyer Comment (2021-01-29): Uploaded AUS Buyer Comment (2021-01-28): DU Underwriting Findings attached

Reviewer Comment (2021-01-29): Approve\ineligible DU findings provided.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270831

No Finding

Loan Completed Without Finding

Review Complete

02/13/2021

1

1

302271597

19984443

02/23/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-03-24): 2017 1040 provided. Seller Comment (2021-03-23): taxes uploaded.

Reviewer Comment (2021-03-24): 2017 1040 provided.

Cleared

03/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271597

19984444

02/23/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - REO Schedule E Method Test

Ability to Repay (Dodd-Frank 2014): Unable to verify Real Estate Owned income (Schedule E Method).  File does not contain most recent year Tax Transcripts, signed and dated 1040's or Schedule E. (xxxx/Schedule E)

Reviewer Comment (2021-03-24): Missing income documentation provided.

Reviewer Comment (2021-03-24): Missing income documentation provided.

Cleared

03/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271597

19984463

02/23/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-03-11):xxxx:  Received Initial CD.  Exception has been cleared. Seller Comment (2021-03-09): Initial CD

Reviewer Comment (2021-03-11):xxxx:  Received Initial CD.  Exception has been cleared.

Cleared

03/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271597

19984834

02/23/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-03-24): Missing income documentation provided.

Reviewer Comment (2021-03-24): Missing income documentation provided.

Cleared

03/24/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302271597

19984835

02/23/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-03-24): Missing income documentation provided.

Reviewer Comment (2021-03-24): Missing income documentation provided.

Cleared

03/24/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302271597

19984934

02/23/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-03-24): Verification of employment dates provided. Seller Comment (2021-03-23): VVOE uploaded

Reviewer Comment (2021-03-24): Verification of employment dates provided.

Cleared

03/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302260972

No Finding

Loan Completed Without Finding

Review Complete

02/16/2021

1

1

302273051

19886495

02/11/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-03-05): 3/5/2021:  Received the Work # within 5 business days.   Exception has been cleared. Seller Comment (2021-03-04): see attached

Reviewer Comment (2021-03-05): 3/5/2021:  Received the Work # within 5 business days.   Exception has been cleared.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273051

19886561

02/11/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-05): 3/5/2021:  Received the Work # within 5 business days.   Exception has been cleared. Seller Comment (2021-03-04): see attached

Reviewer Comment (2021-03-05): 3/5/2021:  Received the Work # within 5 business days.   Exception has been cleared.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323352

19942609

02/18/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-03-17): Post close CD with disbursement date ofxxxxrovided. Seller Comment (2021-03-16): LOE and PCCD Reviewer Comment (2021-03-01): Please also provide LOE to the borrower. Seller Comment (2021-02-26): PCCD and final settlement statement

Reviewer Comment (2021-03-17): Post close CD with disbursement date ofxxxxrovided. Reviewer Comment (2021-03-01): Please also provide LOE to the borrower.

Cleared

03/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302323352

19942610

02/18/2021

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-03-05): Rescission reopened and H9 form executed by borrowers. Seller Comment (2021-03-03): RTC

Reviewer Comment (2021-03-05): Rescission reopened and H9 form executed by borrowers.

Cured

N

2

2

B

B

B

B

B

B

B

B

B

B

302273050

19942009

02/18/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-25): PCCD and LOE provided to revise disbursement date. Seller Comment (2021-02-24): Uploaded LOE, PCCD and final settlement statement

Reviewer Comment (2021-02-25): PCCD and LOE provided to revise disbursement date.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302288813

19450701

01/04/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-07): Drive report provided. Buyer Comment (2021-02-04): fraud report attached

Reviewer Comment (2021-02-07): Drive report provided.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288813

19450705

01/04/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-10): LOE provided. Buyer Comment (2021-02-09): Uploaded LOE Reviewer Comment (2021-01-29): PCCD provided to revise disbursement date.  Please also provide letter to borrower. Buyer Comment (2021-01-27): Actual disbursment xxxx

Reviewer Comment (2021-02-10): LOE provided. Reviewer Comment (2021-01-29): PCCD provided to revise disbursement date.  Please also provide letter to borrower.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302288813

19613086

01/21/2021

Credit

Application / Processing

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

Reviewer Comment (2021-02-07): 1008 provided. Buyer Comment (2021-02-04): 1008 attached

Reviewer Comment (2021-02-07): 1008 provided.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302328831

19959327

02/19/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-03-19): Signed and dated 1120S's provided and assocaited. Seller Comment (2021-03-18): signed returns Reviewer Comment (2021-03-11): 2019 and 2018 1120S provided, however they are not signed. Exception remains. Seller Comment (2021-03-10): taxes uploaded.

Reviewer Comment (2021-03-19): Signed and dated 1120S's provided and assocaited. Reviewer Comment (2021-03-11): 2019 and 2018 1120S provided, however they are not signed. Exception remains.

Cleared

03/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302328831

19959328

02/19/2021

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2021-03-05): Rate lock provided. Seller Comment (2021-03-04): Rate lock

Reviewer Comment (2021-03-05): Rate lock provided.

Cleared

03/05/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302328831

19959329

02/19/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-22): 2018 and 2019 signed and date 1120S's provided. Seller Comment (2021-03-19): All items are cleared.. This should be cleared also.

Reviewer Comment (2021-03-22): 2018 and 2019 signed and date 1120S's provided.

Cleared

03/22/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302328831

19959366

02/19/2021

Compliance

Federal Compliance

TRID Appraisal Disclosure - ECOA Status

ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.

Reviewer Comment (2021-03-05): Disclosure provided. Seller Comment (2021-03-04): Appraisal disclosure

Reviewer Comment (2021-03-05): Disclosure provided.

Cleared

03/05/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302328831

19959367

02/19/2021

Compliance

Federal Compliance

TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File

TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $4,301.95 may be required.

Reviewer Comment (2021-03-05): LE provided. Seller Comment (2021-03-04): LE

Reviewer Comment (2021-03-05): LE provided.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302175990

19231868

xxxx  11:14:33 AM

Compliance

Federal Compliance

Commission Tax Documentation

Qualified Mortgage (Dodd-Frank 2014): xxxx income missing two years consecutive signed tax returns or tax transcripts (xxxx/xxxx)

Reviewer Comment (2021-01-25): Two years tax transcripts provided. Buyer Comment (2021-01-22): Transcripts uploaded

Reviewer Comment (2021-01-25): Two years tax transcripts provided.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302175990

19231869

xxxx  11:14:33 AM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-25): Two years tax transcripts provided. Buyer Comment (2021-01-22): Transcripts uploaded

Reviewer Comment (2021-01-25): Two years tax transcripts provided.

Cleared

01/25/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302175990

19231870

xxxx  11:14:33 AM

Compliance

Federal Compliance

RESPA -  Initial Escrow Account statement Inaccurate

RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.

Reviewer Comment (2021-02-25): PCCD and LOE provided. Buyer Comment (2021-02-24): Updated docs, PCCD IEAD LOE

Reviewer Comment (2021-02-25): PCCD and LOE provided.

Cured

N

2

2

B

B

B

B

B

B

B

B

B

B

302175990

19231871

xxxx  11:14:33 AM

Compliance

Federal Compliance

TRID Final Closing Disclosure Non Escrowed Property Costs Year 1

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 526.92 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-26): Cure documentation received. Buyer Comment (2021-02-26): Discovery expired xxxx per Attestation letter provided. Please re-review. Reviewer Comment (2021-02-26): . Reviewer Comment (2021-02-26): xxxx received a PCCD correcting non escrowed property costs and LOE however the 60 days to cure expired xxxx Buyer Comment (2021-02-26): xxxx attestation letter Reviewer Comment (2021-02-26): Client to upload LOE. Reviewer Comment (2021-02-25): PCCD and LOE provided. Buyer Comment (2021-02-24): Updated docs, PCCD IEAD LOE uploaded

Reviewer Comment (2021-02-26): Cure documentation received. Reviewer Comment (2021-02-26): . Reviewer Comment (2021-02-26): xxxx received a PCCD correcting non escrowed property costs and LOE however the 60 days to cure expired xxxx Reviewer Comment (2021-02-26): Client to upload LOE. Reviewer Comment (2021-02-25): PCCD and LOE provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302175990

19239683

xxxx  8:21:58 PM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-25): LOE provided. Buyer Comment (2021-02-24): LOX and proof received uploaded Reviewer Comment (2021-01-25): PCCD provided.  Please also provided LOE and proof that both were provided to borrower. Buyer Comment (2021-01-22): CD showing proof of escrows

Reviewer Comment (2021-02-25): LOE provided. Reviewer Comment (2021-01-25): PCCD provided.  Please also provided LOE and proof that both were provided to borrower.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302172626

19173058

12/06/2020

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-01-20): Small loss documented and included in DTI. Buyer Comment (2021-01-19): Signed and dated returns Reviewer Comment (2021-01-19): 1040's provided are signed but not dated. Buyer Comment (2021-01-12): Signed 1040's uploaded Buyer Comment (2021-01-12): P & L and balance sheet

Reviewer Comment (2021-01-20): Small loss documented and included in DTI. Reviewer Comment (2021-01-19): 1040's provided are signed but not dated.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302172626

19173060

12/06/2020

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-20): Signed/dated 1040;s provided. Buyer Comment (2021-01-19): Signed and dated returns uploaded Reviewer Comment (2021-01-19): 1040's provided are signed but not dated. Buyer Comment (2021-01-13): Signed returns uploaded

Reviewer Comment (2021-01-20): Signed/dated 1040;s provided. Reviewer Comment (2021-01-19): 1040's provided are signed but not dated.

Cleared

01/20/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302172626

19173062

12/06/2020

Compliance

Federal Compliance

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Reviewer Comment (2020-12-24): RTC provided. Buyer Comment (2020-12-18): RTC

Reviewer Comment (2020-12-24): RTC provided.

Cleared

xxxx  9:42:06 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302172626

19173070

12/06/2020

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-20): Signed/dated 1040's provided. Buyer Comment (2021-01-19): Signed and dated returns uploaded Reviewer Comment (2021-01-19): 1040's provided are signed but not dated. Buyer Comment (2021-01-13): Income docs uploaded

Reviewer Comment (2021-01-20): Signed/dated 1040's provided. Reviewer Comment (2021-01-19): 1040's provided are signed but not dated.

Cleared

01/20/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302273074

20001301

02/23/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,350.00 exceeds tolerance of $1,300.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-03-10): Upon rerun of compliance, this exception has been cleared. Seller Comment (2021-03-08): cure docs

Reviewer Comment (2021-03-10): Upon rerun of compliance, this exception has been cleared.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273074

20002922

02/23/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 30.00.

Reviewer Comment (2021-03-10): Received 2 months of bank statements to verify 42.76 months of reserves. Seller Comment (2021-03-09): Reserves - 2 months bank statements attached

Reviewer Comment (2021-03-10): Received 2 months of bank statements to verify 42.76 months of reserves.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302273074

20173192

03/10/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,350.00 exceeds tolerance of $1,300.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-03-10): copy of the check for $50 reflects the pay date of xxxx Reviewer Comment (2021-03-10): Please provide a dated Letter of Explanation.

Reviewer Comment (2021-03-10): copy of the check for $50 reflects the pay date of xxxx Reviewer Comment (2021-03-10): Please provide a dated Letter of Explanation.

Cleared

03/10/2021

N

3

1

A

A

A

A

A

302285470

19599707

01/20/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-25): VVOE coincides with disbursement. Buyer Comment (2021-01-23): Please remove this condition for a VVOE dated within 5 days prior to close for xxxx employment with xxxx. The State of California is an escrow State and the VVOE was dated the day of funding, therefore meets guides. Thank you.

Reviewer Comment (2021-01-25): VVOE coincides with disbursement.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302285470

19599787

01/20/2021

Compliance

Federal Compliance

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Reviewer Comment (2021-02-04): RTC provided. Buyer Comment (2021-02-02): RTC

Reviewer Comment (2021-02-04): RTC provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302285470

19611993

01/21/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-09): Prior VOE provided. Buyer Comment (2021-02-05): previous VOE attached with end date of xxxx; per 1003, borrower was in retirement from xxxx-xxxx and started current job xxxx

Reviewer Comment (2021-02-09): Prior VOE provided.

Cleared

02/09/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302285470

19784797

02/04/2021

Compliance

Federal Compliance

Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used.

Reviewer Comment (2021-02-16): Name change documented.  Correct form used. Buyer Comment (2021-02-16): Uploaded name change documentation. Per lender: NORTC was correct. We are the original lender on previous mortgage. Name was changed from Midwest Equity Mortgage to Celebrity Home Loans.

Reviewer Comment (2021-02-16): Name change documented.  Correct form used.

Cleared

02/16/2021

N

3

1

A

A

A

A

A

302316149

19959379

02/19/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-03-12): Posting Closing Disclosure provided datedxxxx with a disbursement date ofxxxx. Seller Comment (2021-03-11): Final settlement statement and PCCD

Reviewer Comment (2021-03-12): Posting Closing Disclosure provided datedxxxx with a disbursement date ofxxxx.

Cleared

03/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286956

19871248

02/10/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-03-01): Lender provided balance sheet and 2 years signed 1120S. Seller Comment (2021-02-26): Borrower signed the clients page of 2019 & 2018 1120S

Reviewer Comment (2021-03-01): Lender provided balance sheet and 2 years signed 1120S.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286956

19871364

02/10/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-01): Lender provided 2020 balance sheet and 2 years signed 1120S. Seller Comment (2021-02-26): Balance sheet uploaded

Reviewer Comment (2021-03-01): Lender provided 2020 balance sheet and 2 years signed 1120S.

Cleared

03/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302286956

19898741

02/12/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Balance Sheet

Reviewer Comment (2021-03-01): Lender provided balance sheet.

Reviewer Comment (2021-03-01): Lender provided balance sheet.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302226825

19545464

01/13/2021

Property

Appraisal Documentation

Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2021-02-09): CDA with 0% variance provided. Buyer Comment (2021-02-05): Please find attached the CDA

Reviewer Comment (2021-02-09): CDA with 0% variance provided.

Cleared

02/09/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302271594

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302372045

19956632

02/19/2021

Compliance

Federal Compliance

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Reviewer Comment (2021-03-05): RTC provided. Seller Comment (2021-03-04): RTC

Reviewer Comment (2021-03-05): RTC provided.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302372045

19956918

02/19/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-03-05): Three day requirement met. Seller Comment (2021-03-04): CD

Reviewer Comment (2021-03-05): Three day requirement met.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302391380

19700162

01/28/2021

Credit

Credit Documentation

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Reviewer Comment (2021-02-04): Received missing mortgage payments. Seller Comment (2021-02-01): Here are the requested suspense items

Reviewer Comment (2021-02-04): Received missing mortgage payments.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302425370

19776067

02/03/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-12): Received evidence of 100% replacement cost. Seller Comment (2021-02-10): Hazard Insurance including 100% dwelling replacement

Reviewer Comment (2021-02-12): Received evidence of 100% replacement cost.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302425370

19776175

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $350.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-02-14): Cured on the Final CD. Seller Comment (2021-02-11): Lender LOX & Final CD signed at closing

Reviewer Comment (2021-02-14): Cured on the Final CD.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302425370

19776176

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,700.00 exceeds tolerance of $550.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-19): xxxx received changed circumstance and additional information Seller Comment (2021-02-16): Lender LOX - reason for increased appraisal fee Reviewer Comment (2021-02-14): Received COC dated xxxx but a reason for the increase was not provided. Seller Comment (2021-02-11): COC & CD dated xxxx

Reviewer Comment (2021-02-19): xxxx received changed circumstance and additional information Reviewer Comment (2021-02-14): Received COC dated xxxx but a reason for the increase was not provided.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302425370

19776177

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $5,082.00 exceeds tolerance of $2,305.00.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2021-02-14): Cured on the Final CD. Seller Comment (2021-02-11): Lender LOX & Final CD signed at closing

Reviewer Comment (2021-02-14): Cured on the Final CD.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302425370

19796328

02/05/2021

Compliance

Federal Compliance

Fannie Mae 2014 - 3% Points and Fees

Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or .53964%).

Reviewer Comment (2021-02-24): Provided evidence of no affiliation Seller Comment (2021-02-22): Lender LOX for pts. & fees Reviewer Comment (2021-02-18): Discount points partially excluded; lender did not include the fees paid to their affiliate in testing. Seller Comment (2021-02-17): Rate Lock Sheet Reviewer Comment (2021-02-16): Based on information provided; overage corrected to $xxxx. Seller Comment (2021-02-15): Compliance Report - xxxx showing points and fees past test

Reviewer Comment (2021-02-24): Provided evidence of no affiliation Reviewer Comment (2021-02-18): Discount points partially excluded; lender did not include the fees paid to their affiliate in testing. Reviewer Comment (2021-02-16): Based on information provided; overage corrected to $xxxx.

Cleared

02/24/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302425370

19796329

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $494.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7726)

Reviewer Comment (2021-02-24): Provided evidence of no affiliation Seller Comment (2021-02-22): LOE and Post Consummation CD

Reviewer Comment (2021-02-24): Provided evidence of no affiliation

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302373282

19804941

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103)

Reviewer Comment (2021-02-15): Cure documented on final CD. Buyer Comment (2021-02-12): Please review the Final CD Pg 2 Section J.  We did give the $175 Tolerance Cure for the Appraisal Re-Inspection Fee.  Total Lender Credit was $1,975.00.

Reviewer Comment (2021-02-15): Cure documented on final CD.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302332845

19806947

02/08/2021

Compliance

State Compliance

Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided Timely)

Ohio Consumer Sales Practices Act:  Consumer did not receive the required Closing Disclosure at the time of closing.

Reviewer Comment (2021-02-18): Disclosure provided. Seller Comment (2021-02-17): Please see the Final and Initial Closing Disclosures provided and signed by the borrowers.  These documents were provided with the file please waive.

Reviewer Comment (2021-02-18): Disclosure provided.

Cleared

02/18/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302391379

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302398118

19776888

02/03/2021

Compliance

Federal Compliance

TRID Loan Estimate Timing

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xxxx)

Reviewer Comment (2021-02-15): Provided Initial LE and evidence of receipt Buyer Comment (2021-02-12): The 9-24 LE was uploaded on 2-8.  Please see the 2/8/21 12:09PM Compliance upload.  Pages 41-44 are the 9-24 LE Reviewer Comment (2021-02-12): The initial application was signed by the loan officer onxxxx.  The earliest LE in file is dated 11/20.  Please provide missing initial LE. Buyer Comment (2021-02-09): You have the 11/20 LE in the file upload-starting on Page 416

Reviewer Comment (2021-02-15): Provided Initial LE and evidence of receipt Reviewer Comment (2021-02-12): The initial application was signed by the loan officer onxxxx.  The earliest LE in file is dated 11/20.  Please provide missing initial LE.

Cleared

02/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302398118

19776889

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-02-12): Sufficient cure provided at closing. Buyer Comment (2021-02-09): Wondering what are you looking for on this condition as you indicate the $175 Tolerance Cure was provided on Final CD

Reviewer Comment (2021-02-12): Sufficient cure provided at closing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302398118

19776904

02/03/2021

Compliance

State Compliance

Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided Timely)

Maryland Mortgage Lending Regulations: Disclosure on responsibility for payment of taxes and insurance not provided to borrower within ten (10) business days of application or three (3) business days prior to closing.

Reviewer Comment (2021-02-11): Evidence of earlier delivery provided. Seller Comment (2021-02-08): Maryland Disclosure of Certain Mortgage Loan Provisions

Reviewer Comment (2021-02-11): Evidence of earlier delivery provided.

Cleared

02/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302398118

19895877

02/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302423546

19793899

02/05/2021

Credit

General

Missing Document: HUD/CD (Asset) not provided

Reviewer Comment (2021-02-16): Client provided CD from departure residence; associated and cleared exception Seller Comment (2021-02-15): CD from sale of  departure residence

Reviewer Comment (2021-02-16): Client provided CD from departure residence; associated and cleared exception

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302423546

19796759

02/05/2021

Compliance

Federal Compliance

Fannie Mae 2014 - 3% Points and Fees

Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or .53964%).

Reviewer Comment (2021-02-16): Undiscounted rate and price provided. Seller Comment (2021-02-15): Discount Points Disclosure & Lock Form

Reviewer Comment (2021-02-16): Undiscounted rate and price provided.

Cleared

02/16/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302423546

19796770

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $825.00 exceeds tolerance of $750.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflects a tolerance cure of $75, a LOE, copy of refund check and evidence of delivery. Seller Comment (2021-02-17): Copy of the refund check, PCCD, LOE & UPS Label

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflects a tolerance cure of $75, a LOE, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302423546

19796771

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Repair / Remedy Fee.  Fee Amount of $39.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77133)

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflects the pest fee moved to section H and a LOE. Seller Comment (2021-02-17): Post Consummation CD, LOE & copy of UPS Label

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflects the pest fee moved to section H and a LOE.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302423546

19964239

02/20/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $825.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflects a tolerance cure of $75, a LOE, copy of refund check and evidence of delivery.

Reviewer Comment (2021-02-20): Received PCCD issuedxxxx reflects a tolerance cure of $75, a LOE, copy of refund check and evidence of delivery.

Cured

N

3

2

B

B

B

B

B

302400041

19696666

01/28/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-01-28): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-28): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302400041

19696842

01/28/2021

Credit

Credit Eligibility

Credit Report Error: Housing history rating was not provided.

Reviewer Comment (2021-02-09): Provided Mortgage history statements Seller Comment (2021-02-01): Verification of Mortgage 1st and 2nd

Reviewer Comment (2021-02-09): Provided Mortgage history statements

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369404

19767089

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302369404

19767090

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $570.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302369404

19767091

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $80.00 exceeds tolerance of $78.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-02): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302367027

19781608

02/04/2021

Credit

Application / Processing

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

Reviewer Comment (2021-02-12): xxxx: Received 1008. Seller Comment (2021-02-10): 1008

Reviewer Comment (2021-02-12): xxxx: Received 1008.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367027

19782697

02/04/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Tax Verification

Reviewer Comment (2021-02-12): xxxx: Received hoi and tax info for REO. Seller Comment (2021-02-10): 567 Flora Street taxes and insurance

Reviewer Comment (2021-02-12): xxxx: Received hoi and tax info for REO.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367027

19783271

02/04/2021

Compliance

Federal Compliance

Interest Dividend Income Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Two (2) years tax returns or Bank Statements to evaluate Interest / Dividend income or losses requirement not met. (xxxx/Schedule B)

Reviewer Comment (2021-02-12): Received 2 years executed tax returns.

Reviewer Comment (2021-02-12): Received 2 years executed tax returns.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367027

19783272

02/04/2021

Compliance

State Compliance

Illinois SB 1894

IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.

Reviewer Comment (2021-02-12): xxxx: Received SB-1894. Seller Comment (2021-02-10): IL predatory lending

Reviewer Comment (2021-02-12): xxxx: Received SB-1894.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367027

19783287

02/04/2021

Compliance

Federal Compliance

General Ability To Repay Provision Income and Assets - Schedule B

Ability to Repay (Dodd-Frank 2014): Unable to verify Interest / Dividend income using reasonably reliable third-party records. (xxxx/Schedule B)

Reviewer Comment (2021-02-12): Received 2 years executed tax returns.

Reviewer Comment (2021-02-12): Received 2 years executed tax returns.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367027

19783288

02/04/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-12): Received 2 years executed tax returns.

Reviewer Comment (2021-02-12): Received 2 years executed tax returns.

Cleared

02/12/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302367027

19783289

02/04/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-12): Received 2 years executed tax returns.

Reviewer Comment (2021-02-12): Received 2 years executed tax returns.

Cleared

02/12/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302367027

19806983

02/08/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $296.00 exceeds tolerance of $198.00 plus 10% or $217.80.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302367027

19806986

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302409363

19835744

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $585.12 exceeds tolerance of $582.00.  Sufficient or excess cure was provided to the borrower at Closing. (7200)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302409363

19835745

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee.  Fee Amount of $2,956.75 exceeds tolerance of $1,084.00.  Sufficient or excess cure was provided to the borrower at Closing. (7349)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302409363

19835746

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,423.69 exceeds tolerance of $3,377.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-08): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302413526

No Finding

Loan Completed Without Finding

Review Complete

02/04/2021

1

1

302391323

19670483

01/26/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $116.00 exceeds tolerance of $90.00 plus 10% or $99.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-05): Provided PCCD, refund check, LOE to borrower and proof of delivery Seller Comment (2021-02-03): Uploaded Post Consummation CD, Letter to borrower, copy of the refund checks for recording fee tolerance cure & a copy of  UPS Label

Reviewer Comment (2021-02-05): Provided PCCD, refund check, LOE to borrower and proof of delivery

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302391323

19670484

01/26/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Homeowners dues xxxx.  Fee Amount of $607.68 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712)

Reviewer Comment (2021-02-05): Provided PCCD, refund check, LOE to borrower and proof of delivery Seller Comment (2021-02-03): Uploaded Letter to Borrower & Post Consummation CD showing HOA Dues moved from section C to section H

Reviewer Comment (2021-02-05): Provided PCCD, refund check, LOE to borrower and proof of delivery

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302391323

19792640

02/05/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $116.00 exceeds tolerance of $90.00 plus 10% or $99.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (0)

Reviewer Comment (2021-02-05): Provided PCCD, refund check, LOE to borrower and proof of delivery

Reviewer Comment (2021-02-05): Provided PCCD, refund check, LOE to borrower and proof of delivery

Cured

N

3

2

B

B

B

B

B

302338209

19569647

01/15/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx CPA Letter

Reviewer Comment (2021-01-29): Received evidence of a 3rd party verification.  CPA letter not required. Seller Comment (2021-01-26): REBUTAL AND BALANCE SHEET FOR ALL CONDITIONS

Reviewer Comment (2021-01-29): Received evidence of a 3rd party verification.  CPA letter not required.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338209

19569731

01/15/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-01-29): Received evidence of a balance sheet.

Reviewer Comment (2021-01-29): Received evidence of a balance sheet.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338209

19569732

01/15/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $235.50  is less than amount of binding Lender Credit previously disclosed in the amount of $0.00. (9300)

Reviewer Comment (2021-02-05): Cure provided at closing Seller Comment (2021-02-03): REBUTTAL ATTACHED

Reviewer Comment (2021-02-05): Cure provided at closing

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338209

19569733

01/15/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $45.00 plus 10% or $49.50.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-05): Cure provided at closing Seller Comment (2021-02-03): REBUTTAL ATTACHED

Reviewer Comment (2021-02-05): Cure provided at closing

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338209

19569769

01/15/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-29): Received evidence of a balance sheet.

Reviewer Comment (2021-01-29): Received evidence of a balance sheet.

Cleared

01/29/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302338209

19793699

02/05/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $45.00 plus 10% or $49.50.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302372945

19701465

01/29/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement, Tax Verification

Reviewer Comment (2021-02-04): Received missing REO docs. Seller Comment (2021-02-02): MEMO AND HELOC

Reviewer Comment (2021-02-04): Received missing REO docs.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302394056

19659743

01/25/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $410.00 exceeds tolerance of $370.00 plus 10% or $407.00.  Insufficient or no cure was provided to the borrower. (0)

Reviewer Comment (2021-02-09): Cured on the Final CD. Seller Comment (2021-02-05): CLARIFICATION NEEDED

Reviewer Comment (2021-02-09): Cured on the Final CD.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302394056

19659744

01/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,915.75 exceeds tolerance of $2,909.00.  Insufficient or no cure was provided to the borrower. (7200)

Reviewer Comment (2021-02-09): Valid COC provided. Seller Comment (2021-02-05): Attached is the COC

Reviewer Comment (2021-02-09): Valid COC provided.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302394056

19659745

01/25/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $700.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-09): Cured on the Final CD. Seller Comment (2021-02-05): CLARIFICATION NEEDED

Reviewer Comment (2021-02-09): Cured on the Final CD.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302394056

19659746

01/25/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-16): Provided Post Closing Disclosure with correct disbursement date. xxxx Seller Comment (2021-02-15): pccd Reviewer Comment (2021-02-13): A PCCD was required to correct the disbursement date toxxxx. Seller Comment (2021-02-12): Attached are the rtc Reviewer Comment (2021-02-08): The Final CD reflects a disbursement date ofxxxx, the earliest possible disbursement date isxxxx.  The ROR reflects an expiration date ofxxxx. Seller Comment (2021-02-05): CLARIFICATION NEEDED

Reviewer Comment (2021-02-16): Provided Post Closing Disclosure with correct disbursement date. xxxx Reviewer Comment (2021-02-13): A PCCD was required to correct the disbursement date toxxxx. Reviewer Comment (2021-02-08): The Final CD reflects a disbursement date ofxxxx, the earliest possible disbursement date isxxxx.  The ROR reflects an expiration date ofxxxx.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302394056

19844990

02/09/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $410.00 exceeds tolerance of $370.00 plus 10% or $407.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302394056

19844991

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302371042

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302404366

19732228

02/01/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-05): Received fraud report. Seller Comment (2021-02-03): Fraud Report

Reviewer Comment (2021-02-05): Received fraud report.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404366

19732243

02/01/2021

Credit

Credit Documentation

Missing Document: Credit Report not provided

Reviewer Comment (2021-02-05): Received credit report. Seller Comment (2021-02-03): Credit Report

Reviewer Comment (2021-02-05): Received credit report.

Cleared

02/05/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302404366

19732746

02/01/2021

Compliance

Federal Compliance

General Ability To Repay Provision Credit History

Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records.

Reviewer Comment (2021-02-05): Received credit report. Seller Comment (2021-02-03): Credit Report

Reviewer Comment (2021-02-05): Received credit report.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404366

19732747

02/01/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-05): Received credit report.

Reviewer Comment (2021-02-05): Received credit report.

Cleared

02/05/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302404366

19732748

02/01/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-05): Received credit report. Seller Comment (2021-02-03): Credit Report

Reviewer Comment (2021-02-05): Received credit report.

Cleared

02/05/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302404366

19732749

02/01/2021

Compliance

Federal Compliance

QM Required Credit Report Not Provided to Evidence Debts

Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (xxxx)

Reviewer Comment (2021-02-05): Received credit report. Seller Comment (2021-02-03): Credit Report

Reviewer Comment (2021-02-05): Received credit report.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404366

19732750

02/01/2021

Compliance

Federal Compliance

QM Required Credit Report Not Provided to Evidence Debts

Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. (xxxx)

Reviewer Comment (2021-02-05): Received credit report. Seller Comment (2021-02-03): Credit Report

Reviewer Comment (2021-02-05): Received credit report.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404366

19732753

02/01/2021

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2021-02-07): Received earlier dated e-consent. Seller Comment (2021-02-03): E-signed Consent

Reviewer Comment (2021-02-07): Received earlier dated e-consent.

Cleared

02/07/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404366

19732755

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7708)

Reviewer Comment (2021-02-05): xxxx received corrected CD dated 2/3/21 reflecting disclosure of non-lender required fees not subject to tolerance in Section H. Seller Comment (2021-02-03): Post Consummation CD and Letter to Borrower

Reviewer Comment (2021-02-05): xxxx received corrected CD dated 2/3/21 reflecting disclosure of non-lender required fees not subject to tolerance in Section H.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404366

19736942

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Transfer Fee.  Fee Amount of $350.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712)

Reviewer Comment (2021-02-05): xxxx received corrected CD dated 2/3/21 reflecting disclosure of non-lender required fees not subject to tolerance in Section H. Seller Comment (2021-02-03): Post Consummation CD and Letter to Borrower

Reviewer Comment (2021-02-05): xxxx received corrected CD dated 2/3/21 reflecting disclosure of non-lender required fees not subject to tolerance in Section H.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302404366

19736943

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Homeowners Association Dues.  Fee Amount of $395.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77121)

Reviewer Comment (2021-02-05): xxxx received corrected CD dated 2/3/21 reflecting disclosure of non-lender required fees not subject to tolerance in Section H. Seller Comment (2021-02-03): Post Consummation CD and Letter to Borrower

Reviewer Comment (2021-02-05): xxxx received corrected CD dated 2/3/21 reflecting disclosure of non-lender required fees not subject to tolerance in Section H.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393965

19732119

02/01/2021

Compliance

Federal Compliance

Retirement Documentation

Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (xxxx/IRA Distribution)

Reviewer Comment (2021-02-19): Provided statement from xxxx reflecting monthly withdrawal from IRA account. 2/1/2021 Seller Comment (2021-02-18): revised rebuttal Reviewer Comment (2021-02-10): IRA distribution setup letter was not provided. Seller Comment (2021-02-04): REBUTTAL MEMO

Reviewer Comment (2021-02-19): Provided statement from xxxx reflecting monthly withdrawal from IRA account. 2/1/2021 Reviewer Comment (2021-02-10): IRA distribution setup letter was not provided.

Cleared

02/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302393965

19732121

02/01/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-19): Provided statement from xxxx reflecting monthly withdrawal from IRA account. 2/1/2021 Seller Comment (2021-02-18): revised rebuttal Reviewer Comment (2021-02-10): IRA distribution setup letter was not provided. Seller Comment (2021-02-04): REBUTTAL

Reviewer Comment (2021-02-19): Provided statement from xxxx reflecting monthly withdrawal from IRA account. 2/1/2021 Reviewer Comment (2021-02-10): IRA distribution setup letter was not provided.

Cleared

02/19/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302332843

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302365604

No Finding

Loan Completed Without Finding

Review Complete

02/10/2021

1

1

302371041

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302371040

19768536

02/03/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-12): Received fraud report.  All red flags addressed. Seller Comment (2021-02-10): Final DV

Reviewer Comment (2021-02-12): Received fraud report.  All red flags addressed.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302371040

19771902

02/03/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $410.00 exceeds tolerance of $205.00 plus 10% or $225.50.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302371040

19771903

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $675.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302371040

19771904

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75104)

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-03): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302371040

19771999

02/03/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-16): Insurer replacement cost documented. Buyer Comment (2021-02-15): The hazard ins, has 100% replacement cost value. Please review and waive. Thank you.

Reviewer Comment (2021-02-16): Insurer replacement cost documented.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302371040

19772089

02/03/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1040 (2018), 1040 (2019)

Reviewer Comment (2021-02-16): Tax returns not required with AUS underwriting under xxxx guidelines. Buyer Comment (2021-02-15): Tax returns, are not required for base and bonus income can you please review and waive? Thank you.

Reviewer Comment (2021-02-16): Tax returns not required with AUS underwriting under xxxx guidelines.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302370970

19755019

02/02/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-02-16): Credit provided at closing for cure. Seller Comment (2021-02-11): TILA dispute

Reviewer Comment (2021-02-16): Credit provided at closing for cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302370970

19771045

02/03/2021

Credit

Credit Documentation

The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.

Reviewer Comment (2021-02-10): Green Light guidelines does not require a VOR.  Follows AUS. Seller Comment (2021-02-04): VOR rebuttal

Reviewer Comment (2021-02-10): Green Light guidelines does not require a VOR.  Follows AUS.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302370970

19771203

02/03/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-02-09): Received AUS. Seller Comment (2021-02-04): Constantinides AUS

Reviewer Comment (2021-02-09): Received AUS.

Cleared

02/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302459192

19798140

02/05/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-14): Received evidence of earlier delivery. Seller Comment (2021-02-12): initial CD

Reviewer Comment (2021-02-14): Received evidence of earlier delivery.

Cleared

02/14/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365602

19768534

02/03/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-12): Received RCE.  Coverage is sufficient. Seller Comment (2021-02-11): RCE

Reviewer Comment (2021-02-12): Received RCE.  Coverage is sufficient.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365602

19768719

02/03/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $1,914.61  is less than amount of binding Lender Credit previously disclosed in the amount of $0.00. (9300)

Reviewer Comment (2021-02-16): Lender credit on the Final CD. Seller Comment (2021-02-11): MEMO

Reviewer Comment (2021-02-16): Lender credit on the Final CD.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365602

19768720

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-02-16): Tolerance cure on the Final CD. Seller Comment (2021-02-11): MEMO

Reviewer Comment (2021-02-16): Tolerance cure on the Final CD.

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302365602

19909227

02/16/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

301631107

16370246

02/19/2020

Property

Value Discrepancy

Loan is to go in a securitization and reflects only one valuation product when two are required.

Note Date:  xxxx; Lien Position: 1

Reviewer Comment (2020-02-21): Received a xxxx desk review dated xxxx that provided a value with a 0.00% variance from the appraised value, value supported.

Reviewer Comment (2020-02-21): Received a xxxx desk review dated xxxx that provided a value with a 0.00% variance from the appraised value, value supported.

Cleared

02/21/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

301631107

16371814

02/19/2020

Compliance

Federal Compliance

TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File

TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $16,062.69 may be required.

Reviewer Comment (2020-02-22): Received the LE's. Seller Comment (2020-02-21): Please review all LE's/COC's and update both TILA-RESPA conditions. Thank you.

Reviewer Comment (2020-02-22): Received the LE's.

Cleared

02/22/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

301631107

16371815

02/19/2020

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $437.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7727)

Reviewer Comment (2020-02-22): Received the LE's.

Reviewer Comment (2020-02-22): Received the LE's.

Cleared

02/22/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

301631107

16428602

02/22/2020

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $448.80 exceeds tolerance of $377.00.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2020-02-25): Received copy of the change of circumstance.

Reviewer Comment (2020-02-25): Received copy of the change of circumstance.

Cleared

02/25/2020

N

3

1

A

A

A

A

A

302356450

19772962

02/03/2021

Compliance

State Compliance

Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in File

Massachusetts Home Loan: No evidence in loan file of document or worksheet indicating how the lender determined that the home loan is in the borrower's interest.

Reviewer Comment (2021-02-12): Received worksheet. Seller Comment (2021-02-10): MA Determination of Borrower's Interest Worksheet

Reviewer Comment (2021-02-12): Received worksheet.

Cleared

02/12/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302356450

19793381

02/05/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $620.00 exceeds tolerance of $390.00 plus 10% or $429.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302356450

19793382

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302370968

19735830

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103)

Reviewer Comment (2021-02-02): Lender cured on the final CD with a $9,425 tolerance cure credit.

Reviewer Comment (2021-02-02): Lender cured on the final CD with a $9,425 tolerance cure credit.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302370968

19735832

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $550.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7723)

Reviewer Comment (2021-02-21): Received PCCD issuedxxxx reflecting a tolerance cure, a LOE, copy of refund check and evidence of delivery. Seller Comment (2021-02-18): PCCD ITEMS

Reviewer Comment (2021-02-21): Received PCCD issuedxxxx reflecting a tolerance cure, a LOE, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302370968

19735833

02/01/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $23,750.00 exceeds tolerance of $14,500.00.  Insufficient or no cure was provided to the borrower. (8304)

Reviewer Comment (2021-02-02): Lender cured on the final CD with a $9,425 tolerance cure credit.

Reviewer Comment (2021-02-02): Lender cured on the final CD with a $9,425 tolerance cure credit.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302370968

19735849

02/01/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-02-21): Received PCCD issuedxxxx reflecting a credit for the under disclosure, a LOE, copy of refund check and evidence of delivery. Seller Comment (2021-02-18): PCCD ITEMS

Reviewer Comment (2021-02-21): Received PCCD issuedxxxx reflecting a credit for the under disclosure, a LOE, copy of refund check and evidence of delivery.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302388319

19843862

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (75103)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302388319

19843863

02/09/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $80.00 exceeds tolerance of $78.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-09): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302370940

19796651

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302370940

19796652

02/05/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302370940

19796659

02/05/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $184.00 exceeds tolerance of $92.00 plus 10% or $101.20.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-05): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302371074

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302391378

No Finding

Loan Completed Without Finding

Review Complete

02/09/2021

1

1

302387159

19768753

02/03/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-08): Provided Closing Disclosure for xxxx Seller Comment (2021-02-04): Certified copy of the Final Settlement Statement for sale of xxxxive

Reviewer Comment (2021-02-08): Provided Closing Disclosure for xxxx

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302387231

19808731

02/08/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-25): PCCD and LOE provided to revise disbursement date. Seller Comment (2021-02-23): Please see Post CD and Final Settlement Statement

Reviewer Comment (2021-02-25): PCCD and LOE provided to revise disbursement date.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302387231

19808901

02/08/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (75103)

Reviewer Comment (2021-02-23): Changed circumstance documented. Seller Comment (2021-02-19): Initial CD with Change of Circumstance Acknowledged and signed by the borrowers

Reviewer Comment (2021-02-23): Changed circumstance documented.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302387231

19873307

02/10/2021

Compliance

Federal Compliance

Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application

Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or registered at time of application.

Reviewer Comment (2021-02-23): Documentation in file that application was taken by another licensed originator and later transferred.  Acceptable. Seller Comment (2021-02-21): Please Letter of Explanation Regarding the Loan Originator

Reviewer Comment (2021-02-23): Documentation in file that application was taken by another licensed originator and later transferred.  Acceptable.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338086

19732726

02/01/2021

Credit

Application / Processing

Missing Document: Flood Certificate not provided

Reviewer Comment (2021-02-11): Received flood cert. Seller Comment (2021-02-09): FLOOD CERT

Reviewer Comment (2021-02-11): Received flood cert.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338086

19733277

02/01/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-16): Provided Fraud report Seller Comment (2021-02-15): fraud

Reviewer Comment (2021-02-16): Provided Fraud report

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338086

19735275

02/01/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx VVOE - Employment Only VVOE - Employment Only

Reviewer Comment (2021-02-16): Provided VOE's for both borrowers at closing Seller Comment (2021-02-15): VOE

Reviewer Comment (2021-02-16): Provided VOE's for both borrowers at closing

Cleared

02/16/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302400029

19773308

02/03/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-02-08): Received updated policy with an effective date of xxxx. Seller Comment (2021-02-05): Please see HOI effective xxxx thru xxxx

Reviewer Comment (2021-02-08): Received updated policy with an effective date of xxxx.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302400029

19773336

02/03/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Tax Verification

Reviewer Comment (2021-02-08): Received tax information. Seller Comment (2021-02-05): Please see Tax Verification

Reviewer Comment (2021-02-08): Received tax information.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302400029

19773452

02/03/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-08): Received 3rd party verification of self employment. Seller Comment (2021-02-04): VOE

Reviewer Comment (2021-02-08): Received 3rd party verification of self employment.

Cleared

02/08/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302400029

19773454

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7505)

Reviewer Comment (2021-02-18): xxxx received final closing statement, exception is cleared. Seller Comment (2021-02-15): Please see Final Closing Statement Seller Comment (2021-02-09): Post Consummation Closing Disclosure with LOX to Borrower

Reviewer Comment (2021-02-18): xxxx received final closing statement, exception is cleared.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302400029

19773455

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $650.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-18): Sufficient cure provided at closing. Seller Comment (2021-02-15): Please see Final Closing Statement Reviewer Comment (2021-02-12): Fee increased onxxxx.  No VCC was located in the loan file to explain the increase.  Please provide VCC, or cure to complete testing. Seller Comment (2021-02-09): Post Consummation Closing Disclosure with LOX to Borrower

Reviewer Comment (2021-02-18): Sufficient cure provided at closing. Reviewer Comment (2021-02-12): Fee increased onxxxx.  No VCC was located in the loan file to explain the increase.  Please provide VCC, or cure to complete testing.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302400029

19773456

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $88.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7520)

Reviewer Comment (2021-02-18): Sufficient cure provided at closing. Seller Comment (2021-02-15): Please see Final Closing Statement Reviewer Comment (2021-02-12): Fee increased onxxxx.  No VCC was located in the loan file to explain the increase.  Please provide VCC, or cure to complete testing. Seller Comment (2021-02-09): Post Consummation Closing Disclosure with LOX to Borrower

Reviewer Comment (2021-02-18): Sufficient cure provided at closing. Reviewer Comment (2021-02-12): Fee increased onxxxx.  No VCC was located in the loan file to explain the increase.  Please provide VCC, or cure to complete testing.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302400029

19773457

02/03/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Refundable Pad.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7712)

Reviewer Comment (2021-02-18): xxxx received final closing statement, PAD fee not charged, exception is cleared. Seller Comment (2021-02-15): Please see Final Closing Statement Reviewer Comment (2021-02-12): Closing statement required to verify borrower was not charged PAD fee. Seller Comment (2021-02-09): Post Consummation Closing Disclosure with LOX to Borrower

Reviewer Comment (2021-02-18): xxxx received final closing statement, PAD fee not charged, exception is cleared. Reviewer Comment (2021-02-12): Closing statement required to verify borrower was not charged PAD fee.

Cleared

02/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302400029

19949982

02/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7505)

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302400029

19949983

02/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302400029

19949984

02/18/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $88.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-18): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302096359

18967267

xxxx  7:05:48 PM

Compliance

Federal Compliance

(Missing Data) Last Rate Set Date

Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.

Reviewer Comment (2020-12-01): Rate lock date provided. Buyer Comment (2020-11-20): LE's received . Please review

Reviewer Comment (2020-12-01): Rate lock date provided.

Cleared

12/01/2020

N

2

1

B

A

B

A

B

A

B

A

B

A

302096359

18967268

xxxx  7:05:48 PM

Compliance

Federal Compliance

TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File

TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $11,429.91 may be required.

Reviewer Comment (2020-11-19): xxxx received LEs. Buyer Comment (2020-11-18): Final LE Buyer Comment (2020-11-18): Initial LE

Reviewer Comment (2020-11-19): xxxx received LEs.

Cleared

xxxx  3:41:39 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302096359

19021696

xxxx  3:41:39 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $600.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2020-12-24): xxxx received PCCD indicating cure, LOE, and refund check. Please provide proof of mailing to cure separate exception. Buyer Comment (2020-12-21): cure docs Reviewer Comment (2020-12-11): xxxx received 10/14 COC however the appraisal was completed 09/17. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2020-12-09): COC

Reviewer Comment (2020-12-24): xxxx received PCCD indicating cure, LOE, and refund check. Please provide proof of mailing to cure separate exception. Reviewer Comment (2020-12-11): xxxx received 10/14 COC however the appraisal was completed 09/17. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cleared

xxxx  3:38:05 PM

N

3

1

A

A

A

A

A

302096359

19219819

xxxx  2:52:47 PM

Compliance

Federal Compliance

TRID Revised Loan Estimate Timing Before Closing

TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xxxx not received by borrower at least four (4) business days prior to closing. (Interxxxx020)

Reviewer Comment (2021-01-28): xxxx received signed LE issued 10-14-20 Buyer Comment (2021-01-25): COC

Reviewer Comment (2021-01-28): xxxx received signed LE issued 10-14-20

Cleared

01/28/2021

N

3

1

A

A

A

A

A

302096359

19351285

xxxx  3:38:05 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure – 130(b) Cure

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower. Missing required remediation documentation to complete cure. (7506)

Reviewer Comment (2021-01-13): xxxx received proof of mailing. Buyer Comment (2021-01-07): proof of mailing

Reviewer Comment (2021-01-13): xxxx received proof of mailing.

Cured

N

3

2

B

B

B

B

B

302096295

18790887

xxxx  12:43:29 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-01-14): Cure documentation received. FC remediation received within 60 days which allows cure.  RTC does not have 60 day limit but is tolled  until cured which was done on 1/4/21. Reviewer Comment (2021-01-14): Re-opened in order to cure based on cure docs received. Reviewer Comment (2021-01-13): xxxx received RTC and proof of delivery however 60 days from discovery expired xxxxUnable to cure. Buyer Comment (2021-01-07): Per lender: Hello, because the borrowers didn't sign it on the NRTC that we sent on xxxx, we resent the NRTC to the borrowers yesterday again. Please see attached signed NRTC. Reviewer Comment (2021-01-04): Docusign provided only indicates the ROR was sent on 12.24; evidence of receipt was not provided. Buyer Comment (2021-01-04): Right of rescission starts from the date the borrower received the form and ends 3 days later  hence the docu sign document dated xxxx; the IP address on top of the RTC matches the docu sign form therefore the borrower received on xxxx @ 4:27 pm and the borrower acknowledged/sent xxxx @ 4:30pm. Rescission period started 12/24 and ended at 12/27 at midnight. Reviewer Comment (2020-12-31): xxxx received Corrected CD issued 12-24-20, LOE to borrower, RTC and DocuSign showing PostCD sent 12-24-20.  RTC's provided ae missing the expiration date and proof of delivery.  Unable to determine when rescission period started and when borrower's were given to close out rescission.  RTC's should reflect new open date which should be at least after proof of delivery to borrower and the rescission expiration date should reflect as midnight 3 business days AFTER the delivery date of the RTC to the borrower. Buyer Comment (2020-12-28): RTC/PCCD/LOE Reviewer Comment (2020-12-22): xxxx re-reviewed FedEx tracking for delivery of package, however the package reflects it was not delivered until 12-20-20.  The RTC reflects the rescission end date of 12-14-20 which is prior to the actual delivery date and invalidates this form.  Must have RTC delivered and then a 3 day business day window before the midnight review end period date is met.  Provide updated RTC's and proof of delivery to borrower(s) to allow for a 3 day window to re-open the rescission period to finalize this cure. Buyer Comment (2020-12-19): Please clear, tracking reflects delivery by Monday xxxx Reviewer Comment (2020-12-18): Cure documents received, package has not been picked up by the shipper at the time of this review.  Will cure when package is delivered. Buyer Comment (2020-12-16): CURE Reviewer Comment (2020-12-07): Finance charge is under-disclosed by $1515.  Cure or itemization of finance charges and amounts paid by party is required to cure or clear exception. Buyer Comment (2020-12-05): Lender provided the corrected final CD

Reviewer Comment (2021-01-14): Cure documentation received. FC remediation received within 60 days which allows cure.  RTC does not have 60 day limit but is tolled  until cured which was done on 1/4/21. Reviewer Comment (2021-01-14): Re-opened in order to cure based on cure docs received. Reviewer Comment (2021-01-13): xxxx received RTC and proof of delivery however 60 days from discovery expired xxxxUnable to cure. Reviewer Comment (2021-01-04): Docusign provided only indicates the ROR was sent on 12.24; evidence of receipt was not provided. Reviewer Comment (2020-12-31): xxxx received Corrected CD issued 12-24-20, LOE to borrower, RTC and DocuSign showing PostCD sent 12-24-20.  RTC's provided ae missing the expiration date and proof of delivery.  Unable to determine when rescission period started and when borrower's were given to close out rescission.  RTC's should reflect new open date which should be at least after proof of delivery to borrower and the rescission expiration date should reflect as midnight 3 business days AFTER the delivery date of the RTC to the borrower. Reviewer Comment (2020-12-22): xxxx re-reviewed FedEx tracking for delivery of package, however the package reflects it was not delivered until 12-20-20.  The RTC reflects the rescission end date of 12-14-20 which is prior to the actual delivery date and invalidates this form.  Must have RTC delivered and then a 3 day business day window before the midnight review end period date is met.  Provide updated RTC's and proof of delivery to borrower(s) to allow for a 3 day window to re-open the rescission period to finalize this cure. Reviewer Comment (2020-12-18): Cure documents received, package has not been picked up by the shipper at the time of this review.  Will cure when package is delivered. Reviewer Comment (2020-12-07): Finance charge is under-disclosed by $1515.  Cure or itemization of finance charges and amounts paid by party is required to cure or clear exception.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302096295

18820894

xxxx  9:41:36 PM

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2020-12-08): Third party documentation of original start date provided. Buyer Comment (2020-12-08): LOX and wk # current and previous Reviewer Comment (2020-12-06): LOE provided and acquisition of prior company verified through online search.  However, third party verification of borrowers original start date required. Buyer Comment (2020-12-04): LOX uploaded

Reviewer Comment (2020-12-08): Third party documentation of original start date provided. Reviewer Comment (2020-12-06): LOE provided and acquisition of prior company verified through online search.  However, third party verification of borrowers original start date required.

Cleared

12/08/2020

N

3

1

C

A

C

A

C

A

C

A

C

A

302096295

18820895

xxxx  9:41:36 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2020-12-08): Third party documentation of original start date provided.

Reviewer Comment (2020-12-08): Third party documentation of original start date provided.

Cleared

12/08/2020

N

3

1

B

A

C

A

C

A

B

A

B

A

302116003

18987771

xxxx  4:08:57 PM

Credit

Application / Processing

FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.

Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2020-12-02): Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2020-12-02): Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. Borrower has worked in the same position for more than 3 years. Borrower has verified disposable income of at least $2500.00. Borrower has been employed in the same industry for more than 5 years.

Waived

N

3

2

C

B

B

B

C

B

C

B

C

B

302116003

18987840

xxxx  4:14:05 PM

Credit

Income Documentation

REO Documents are missing.

Address: xxxx HOA Verification, Insurance Verification, Statement

Reviewer Comment (2021-01-21): Lender attests that their are no HOA fees associated with the property. Buyer Comment (2021-01-20): There are no HOA fees Reviewer Comment (2021-01-13): PITI verified.  Please document the presence/amount of any HOA fees associated with the REO property. Buyer Comment (2021-01-08): REO docs uploaded

Reviewer Comment (2021-01-21): Lender attests that their are no HOA fees associated with the property. Reviewer Comment (2021-01-13): PITI verified.  Please document the presence/amount of any HOA fees associated with the REO property.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302116003

18988260

xxxx  4:53:34 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 4,528.56 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2020-12-24): xxxx received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2020-12-19): PCCD Reviewer Comment (2020-12-14): PCCD shows loan will have escrow account on page 4. Final CD and loan data indicate loan will not have escrow account. Missing IEAD for escrow account, or new PCCD required showing amounts in the non-escrowed section of page 4. Buyer Comment (2020-12-10): PCCD and LOE Reviewer Comment (2020-11-19): The loan file indicates County Tax of $13188.36, and Hazard Insurance cost of $1670.04 annually.  Please provide PCCD and LOE to cure, or verification  of other escrow amount used. Buyer Comment (2020-11-19): *Disregard previous Escrow comment. Buyer Comment (2020-11-19): Lender has Escrow Waiver in file. Borrower has declined Escrow on Final CD. Please review.

Reviewer Comment (2020-12-24): xxxx received Letter of Explanation & Corrected Closing Disclosure. Reviewer Comment (2020-12-14): PCCD shows loan will have escrow account on page 4. Final CD and loan data indicate loan will not have escrow account. Missing IEAD for escrow account, or new PCCD required showing amounts in the non-escrowed section of page 4. Reviewer Comment (2020-11-19): The loan file indicates County Tax of $13188.36, and Hazard Insurance cost of $1670.04 annually.  Please provide PCCD and LOE to cure, or verification  of other escrow amount used.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302116003

18988290

xxxx  4:55:30 PM

Compliance

Federal Compliance

TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File

TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $9,907.00 may be required.

Reviewer Comment (2020-11-19): xxxx received LE's; exception cleared. Buyer Comment (2020-11-19): Initial and Final Populated LEs uploaded to file.

Reviewer Comment (2020-11-19): xxxx received LE's; exception cleared.

Cleared

xxxx  12:54:46 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302116003

18988467

xxxx  5:23:31 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Finance Charge

TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xxxx). (Final/xxxx)

Reviewer Comment (2021-01-04): xxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Buyer Comment (2020-12-28): RTC Reviewer Comment (2020-12-24): xxxx received Corrected CD, LOE to borrower, copy of refund check and proof of delivery.  As this is a Material Disclosure exception and transaction was a rescindable transaction, re-opening of rescission is required to finalize cure.  Provide RTC's to all property owners along with proof of delivery to borrower to meet rescission timing requirements. Buyer Comment (2020-12-19): PCCD uploaded

Reviewer Comment (2021-01-04): xxxx received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission. Reviewer Comment (2020-12-24): xxxx received Corrected CD, LOE to borrower, copy of refund check and proof of delivery.  As this is a Material Disclosure exception and transaction was a rescindable transaction, re-opening of rescission is required to finalize cure.  Provide RTC's to all property owners along with proof of delivery to borrower to meet rescission timing requirements.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302116003

18989271

xxxx  8:06:28 PM

Credit

Application / Processing

Missing Document: Mortgage Statement(s) not provided

Reviewer Comment (2021-01-21): Mortgage statement provided. Reviewer Comment (2020-12-02): Missing for xxxx Buyer Comment (2020-11-27): Please clarify if this is xxxx or the subject property.

Reviewer Comment (2021-01-21): Mortgage statement provided. Reviewer Comment (2020-12-02): Missing for xxxx

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302116003

19019392

xxxx  12:57:18 PM

Compliance

Federal Compliance

TRID Initial Loan Estimate Timing Electronically Provided

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xxxx)

Reviewer Comment (2020-12-24): xxxx received earlier e-consent Buyer Comment (2020-12-23): e consent

Reviewer Comment (2020-12-24): xxxx received earlier e-consent

Cleared

xxxx  6:27:41 AM

N

3

1

A

A

A

A

A

302277145

19383955

xxxx  1:24:00 PM

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2021-01-11): Complete 1003 image provided. Buyer Comment (2021-01-05): Initial 1003

Reviewer Comment (2021-01-11): Complete 1003 image provided.

Cleared

01/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302277145

19385173

xxxx  2:57:47 PM

Credit

Credit Documentation

No evidence of fraud report in file

Credit Report: Original // Borrower: xxxxx

Reviewer Comment (2021-01-18): Fraud report for subject transaction provided. Buyer Comment (2021-01-13): Fraud Report attached

Reviewer Comment (2021-01-18): Fraud report for subject transaction provided.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277145

19385186

xxxx  2:59:26 PM

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-01-18): Fraud report for subject transaction provided. Buyer Comment (2021-01-13): Fraud report attached

Reviewer Comment (2021-01-18): Fraud report for subject transaction provided.

Cleared

01/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277145

19385337

xxxx  3:11:38 PM

Compliance

State Compliance

Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely)

Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of  receipt of the loan application.

Reviewer Comment (2021-01-11): LE provided. Buyer Comment (2021-01-05): Initial LE Uploaded

Reviewer Comment (2021-01-11): LE provided.

Cleared

01/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302277145

19385341

xxxx  3:11:38 PM

Compliance

Federal Compliance

TRID Loan Estimate Timing

TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/xxxx)

Reviewer Comment (2021-01-11): LE provided. Buyer Comment (2021-01-05): Initial 1003

Reviewer Comment (2021-01-11): LE provided.

Cleared

01/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277144

19370282

xxxx  10:50:45 AM

Compliance

Federal Compliance

TRID Appraisal Disclosure - ECOA Status

ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.

Reviewer Comment (2021-01-06): xxxx received LE.

Reviewer Comment (2021-01-06): xxxx received LE.

Cleared

01/06/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302277144

19370284

xxxx  10:50:45 AM

Compliance

Federal Compliance

TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File

TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $16,122.10 may be required.

Reviewer Comment (2021-01-06): xxxx received LE.

Reviewer Comment (2021-01-06): xxxx received LE.

Cleared

01/06/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277144

19370339

xxxx  10:55:23 AM

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-07): Multiple VVOE's performed both before and after disbursement.  Dates and length of employment are adequately verified. Buyer Comment (2021-02-04): Lender provided a few VVOE's; however, the only one reflecting an exact start date is dated post-closing.  The other two reflect number of years borrower has been with the company.  Additionally, 2 years W2's in file with same employer. Request exception is cleared based on time with employer or at the very least down grade to EV2 and waive.  Compensating factors; length of time with employer, 32% LTV, 157 months reserves and 38.50% DTI.

Reviewer Comment (2021-02-07): Multiple VVOE's performed both before and after disbursement.  Dates and length of employment are adequately verified.

Cleared

02/07/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302277144

19380026

xxxx  8:11:13 AM

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-01-21): Disclosure provided. Buyer Comment (2021-01-20): MLO

Reviewer Comment (2021-01-21): Disclosure provided.

Cleared

01/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302286451

19612230

01/21/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-05): VVOE provided prior to disbursement. Buyer Comment (2021-02-03): Salena Chan VVOE attached

Reviewer Comment (2021-02-05): VVOE provided prior to disbursement.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286964

19162195

12/04/2020

Compliance

Federal Compliance

RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application

RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.

Buyer Comment (2020-12-18): Lender acknowledged non material exception Reviewer Comment (2020-12-18): List and disclosure both provided xxxx Application date xxxxo not within 3 days.  This is an EV2 exception. Buyer Comment (2020-12-16): RESPA

Reviewer Comment (2020-12-18): List and disclosure both provided xxxx Application date xxxxo not within 3 days.  This is an EV2 exception.

Waived

N

2

2

B

B

B

B

B

B

B

B

B

B

302286964

19162375

12/04/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 12.00.

Reviewer Comment (2020-12-31): Cash value of life insurance statement provided is adequate for reserves.  Funds for closing remain unverified. Buyer Comment (2020-12-22): uploaded documentation for assets

Reviewer Comment (2020-12-31): Cash value of life insurance statement provided is adequate for reserves.  Funds for closing remain unverified.

Cleared

xxxx  10:30:20 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302286964

19162382

12/04/2020

Credit

Asset Calculation / Analysis

Available for Closing is insufficient to cover Cash From Borrower.

Documented qualifying Assets for Closing of  $0.00 is less than Cash From Borrower $234,540.19.

Reviewer Comment (2021-01-26): Wire/deposit documentation provided in both the borrower and spouses name. Buyer Comment (2021-01-25): see attached Reviewer Comment (2021-01-12): Cash value of borrower life insurance is adequate to meet reserves.  However, xxxx account verifying cash to close is in the non-borrower spouses name only and includes a large, unsourced deposit.  It appears to be proceeds from sale of property but that is not otherwise documented in the file. Buyer Comment (2021-01-06): Assets uploaded

Reviewer Comment (2021-01-26): Wire/deposit documentation provided in both the borrower and spouses name. Reviewer Comment (2021-01-12): Cash value of borrower life insurance is adequate to meet reserves.  However, xxxx account verifying cash to close is in the non-borrower spouses name only and includes a large, unsourced deposit.  It appears to be proceeds from sale of property but that is not otherwise documented in the file.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278914

19602257

01/21/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-01): VVOE for previous employer provided. Buyer Comment (2021-01-30): VOE Uploaded

Reviewer Comment (2021-02-01): VVOE for previous employer provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278914

19602303

01/21/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-01): VVOE provided. Buyer Comment (2021-01-30): VOE uploaded

Reviewer Comment (2021-02-01): VVOE provided.

Cleared

02/01/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302278914

19602304

01/21/2021

Compliance

Federal Compliance

Retirement Documentation

Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (xxxx/Pension)

Reviewer Comment (2021-02-23): Award letter provided. Buyer Comment (2021-02-22): See lox attached Reviewer Comment (2021-02-09): Pay statements do not address continuance.  Please provide award letter. Buyer Comment (2021-02-05): Please find attached the benefit statements Reviewer Comment (2021-02-01): One month pay statement was provided. Unable to coniform historical retirement income. Missing Award Letter; or Missing 2 years signed 1040s or transcripts; W2 transcript was provided only confirming W2 only earnings. Buyer Comment (2021-01-30): Retirement award letter

Reviewer Comment (2021-02-23): Award letter provided. Reviewer Comment (2021-02-09): Pay statements do not address continuance.  Please provide award letter. Reviewer Comment (2021-02-01): One month pay statement was provided. Unable to coniform historical retirement income. Missing Award Letter; or Missing 2 years signed 1040s or transcripts; W2 transcript was provided only confirming W2 only earnings.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278914

19602305

01/21/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-23): Award letter provided. Buyer Comment (2021-02-22): see lox Reviewer Comment (2021-02-01): Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared. Buyer Comment (2021-01-30): Income docs uploaded

Reviewer Comment (2021-02-23): Award letter provided. Reviewer Comment (2021-02-01): Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.

Cleared

02/23/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302278914

19603414

01/21/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx 1099 Transcript (2018), W-2 Transcript (2018), W-2 Transcript (2019)

Reviewer Comment (2021-02-01): 2 years transcripts were provided. Buyer Comment (2021-01-30): Transcript uploaded

Reviewer Comment (2021-02-01): 2 years transcripts were provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278914

19603719

01/21/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-01): Intent to close HELOC was provided. Buyer Comment (2021-01-30): PCCD uploaded to show principal reduction as he cash back was greater than $2000 Buyer Comment (2021-01-30): HELOC closure

Reviewer Comment (2021-02-01): Intent to close HELOC was provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286448

19603450

01/21/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-01-26): Inspection datedxxxxndicates no damage.

Reviewer Comment (2021-01-26): Inspection datedxxxxndicates no damage.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286448

19611845

01/21/2021

Credit

Application / Processing

Missing Document: Fraud Report not provided

Reviewer Comment (2021-02-04): xxxx report provided. Buyer Comment (2021-02-02): Please find attached the Fraud report to clear the exception.

Reviewer Comment (2021-02-04): xxxx report provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302338126

19569765

01/15/2021

Compliance

Application / Processing

Missing Document: Missing Lender's Initial 1003

Reviewer Comment (2021-01-25): Initial 1003 provided. Buyer Comment (2021-01-24): 1003

Reviewer Comment (2021-01-25): Initial 1003 provided.

Cleared

01/25/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302338126

19570256

01/15/2021

Compliance

State Compliance

Maryland Mortgage Lending Regulations (Tangible Net Benefit Worksheet Not Provided)

Maryland Mortgage Lending Regulations: Net Tangible Benefit Worksheet not provided to borrower.

Reviewer Comment (2021-01-25): Worksheet and borrower acknowledgment provided. Buyer Comment (2021-01-24): See lender LOE regarding TNB

Reviewer Comment (2021-01-25): Worksheet and borrower acknowledgment provided.

Cleared

01/25/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302338126

19570257

01/15/2021

Compliance

Federal Compliance

TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File

TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $4,309.10 may be required.

Reviewer Comment (2021-01-25): Loan estimate provided.  Testing passed. Buyer Comment (2021-01-24): Please see attached lender LOE/LE

Reviewer Comment (2021-01-25): Loan estimate provided.  Testing passed.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302470342

No Finding

Loan Completed Without Finding

Review Complete

02/24/2021

1

1

302278908

19598521

01/20/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-04): VOE provided. Buyer Comment (2021-02-02): VVOE attached

Reviewer Comment (2021-02-04): VOE provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303169

19392545

xxxx  1:22:28 PM

Compliance

Federal Compliance

TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File

TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $4,470.00 may be required.

Reviewer Comment (2021-01-13): xxxx received initial LEs. Buyer Comment (2021-01-11): initial 1003 all pages populated Buyer Comment (2021-01-07): Populated Initial and Final Loan Estimate Disclosures uploaded to AMC.

Reviewer Comment (2021-01-13): xxxx received initial LEs.

Cleared

01/13/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303169

19392565

xxxx  1:24:19 PM

Property

Appraisal Reconciliation

Appraisal is required to be in name of Lender

Valuation Type: Appraisal / Valuation Report Date: xxxx

Reviewer Comment (2021-01-22): DBA relationship confirmed. Buyer Comment (2021-01-21): xxxx is DBA of xxxx Reviewer Comment (2021-01-12): Upload intended for a different file. Buyer Comment (2021-01-07): Disregard lock as well wrong file Buyer Comment (2021-01-07): Wrong appraisal uploaded, disregard appraisal uploaded Buyer Comment (2021-01-07): Appraisal also uploaded reflects the lender as xxxx, this is the same as the note Buyer Comment (2021-01-07): AUS missing adding exception for it Buyer Comment (2021-01-07): Please change program to Express, Appraisal  exception is valid. No where else to add this comment to change program

Reviewer Comment (2021-01-22): DBA relationship confirmed. Reviewer Comment (2021-01-12): Upload intended for a different file.

Cleared

01/22/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302423521

No Finding

Loan Completed Without Finding

Review Complete

02/17/2021

1

1

302411630

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302407324

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302423520

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302411641

19898766

02/12/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Checking / Account Number: xxxx

Reviewer Comment (2021-03-01): Lender provided 2nd month of bank statements. Seller Comment (2021-02-26): see attached

Reviewer Comment (2021-03-01): Lender provided 2nd month of bank statements.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286457

No Finding

Loan Completed Without Finding

Review Complete

02/23/2021

1

1

302147495

18886187

11/03/2020

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 23,958.88 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2020-12-17): xxxx received tax calculation. Buyer Comment (2020-12-14): Tax calc for 11/30 CD. Reviewer Comment (2020-12-08): Tax cert indicates tax of 16580.06 and hazard insurance of $1757.00.  Please provide PCCD and LOE or documentation of balances on 11/30 PCCD. Buyer Comment (2020-12-05): cure

Reviewer Comment (2020-12-17): xxxx received tax calculation. Reviewer Comment (2020-12-08): Tax cert indicates tax of 16580.06 and hazard insurance of $1757.00.  Please provide PCCD and LOE or documentation of balances on 11/30 PCCD.

Cleared

xxxx  7:09:02 AM

N

3

1

C

A

C

A

C

A

C

A

C

A

302096283

19387580

xxxx  9:37:49 PM

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,973.20  is less than amount of binding Lender Credit previously disclosed in the amount of $-4,019.00. (9300)

Reviewer Comment (2021-01-25): xxxx received changed circumstance with additional information. Buyer Comment (2021-01-20): COC Reviewer Comment (2021-01-12): xxxx re-reviewed changed circumstance dated 10-28-20.  The change circumstance reason was for loan amount change, however the amount of the lender credit did not change in proportion to the loan amount.   10-6 CD reflects lender credit based on .462% of loan amount but 10-28 CD lender credit is based on .322% of loan amount.  Lender credit percentage should not change if only loan amount change as reason. Thus baseline is still set based on the 10-6 CD of $4019.00. Provide a Valid Change of Circumstance for this exception or a cure including a Letter of Explanation to borrower, Proof of Delivery, Copy of Refund Check, and Corrected CD is needed to satisfy this exception. Buyer Comment (2021-01-07): Per lender: COC was done at docs. The lender credit decreased to $2,769.20 at docs. At funding the lender credit increased to $3,973.20. This is a benefit to the borrower, so no COC is needed since there was one done at docs. AMC please see COC D0102 Buyer Comment (2021-01-06): Valid COC page 122 reflecting loan amount decrease that corresponds with CD date xxxx. Please advise

Reviewer Comment (2021-01-25): xxxx received changed circumstance with additional information. Reviewer Comment (2021-01-12): xxxx re-reviewed changed circumstance dated 10-28-20.  The change circumstance reason was for loan amount change, however the amount of the lender credit did not change in proportion to the loan amount.   10-6 CD reflects lender credit based on .462% of loan amount but 10-28 CD lender credit is based on .322% of loan amount.  Lender credit percentage should not change if only loan amount change as reason. Thus baseline is still set based on the 10-6 CD of $4019.00. Provide a Valid Change of Circumstance for this exception or a cure including a Letter of Explanation to borrower, Proof of Delivery, Copy of Refund Check, and Corrected CD is needed to satisfy this exception.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302099457

No Finding

Loan Completed Without Finding

Review Complete

xxxx  12:00:38 PM

1

1

302173135

19224901

xxxx  12:10:52 PM

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-01-04): Replacement cost estimator provided. Buyer Comment (2020-12-23): HOI Replacement Cost Estimator attached

Reviewer Comment (2021-01-04): Replacement cost estimator provided.

Cleared

01/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302173135

19225079

xxxx  12:42:16 PM

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 874.50 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2020-12-31): xxxx received Letter of Explanation & Corrected Closing Disclosure. Buyer Comment (2020-12-28): LOE Reviewer Comment (2020-12-23): xxxx received corrected CD.  Missing LOE to borrower that accompanies CD to finalize cure. Buyer Comment (2020-12-20): PCCD

Reviewer Comment (2020-12-31): xxxx received Letter of Explanation & Corrected Closing Disclosure. Reviewer Comment (2020-12-23): xxxx received corrected CD.  Missing LOE to borrower that accompanies CD to finalize cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302173135

19225082

xxxx  12:42:16 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $625.00 exceeds tolerance of $500.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-01-04): Lender cured on the PCCD dated xxxx by refunding the borrower $125. Received proof of refund, LOE, corrected CD, and proof of delivery. Buyer Comment (2021-01-04): copy of refund check Reviewer Comment (2020-12-31): xxxx received corrected CD, LOE to borrower and proof of mailing.  Missing copy of $125 cure refund check to borrower to finalize cure. Buyer Comment (2020-12-30): PCCD Reviewer Comment (2020-12-23): xxxx received changed circumstance with dated 10-13 with change date of 10-9.  Loan file only reflects the initial LE with appraisal fee of $500 and then the Initial CD issued on 11-12 reflects the increase.  The changed circumstance does not correspond with the initial CD and is out of required 3 business day disclosure requirements.  Provide any missing LE that supports the changed circumstance.  Additionally the reason stated on the appraisal fee increase states due to Covid-19 hazard period and this reason would require further explanation how that affects increasing an appraisal fee?  Covid19 already known by this time of the year and an additional fee related to that should of been known by lender and disclosed initially to borrower.     Otherwise if not valid, a cure is required with corrected CD, LOE to borrower, copy of refund check and proof of mailing. Buyer Comment (2020-12-20): COC

Reviewer Comment (2021-01-04): Lender cured on the PCCD dated xxxx by refunding the borrower $125. Received proof of refund, LOE, corrected CD, and proof of delivery. Reviewer Comment (2020-12-31): xxxx received corrected CD, LOE to borrower and proof of mailing.  Missing copy of $125 cure refund check to borrower to finalize cure. Reviewer Comment (2020-12-23): xxxx received changed circumstance with dated 10-13 with change date of 10-9.  Loan file only reflects the initial LE with appraisal fee of $500 and then the Initial CD issued on 11-12 reflects the increase.  The changed circumstance does not correspond with the initial CD and is out of required 3 business day disclosure requirements.  Provide any missing LE that supports the changed circumstance.  Additionally the reason stated on the appraisal fee increase states due to Covid-19 hazard period and this reason would require further explanation how that affects increasing an appraisal fee?  Covid19 already known by this time of the year and an additional fee related to that should of been known by lender and disclosed initially to borrower.     Otherwise if not valid, a cure is required with corrected CD, LOE to borrower, copy of refund check and proof of mailing.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302260930

19450680

01/04/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-08): Sch. C loss adequately documented and included in DTI.

Reviewer Comment (2021-02-08): Sch. C loss adequately documented and included in DTI.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302260930

19450681

01/04/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-08): Sch. C loss adequately documented and included in DTI.

Reviewer Comment (2021-02-08): Sch. C loss adequately documented and included in DTI.

Cleared

02/08/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302260930

19661742

01/25/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-08): Sch. C loss adequately documented and included in DTI. Buyer Comment (2021-02-04): VOE dated xxxxploaded

Reviewer Comment (2021-02-08): Sch. C loss adequately documented and included in DTI.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302260930

19661768

01/25/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Third Party Verification

Reviewer Comment (2021-02-08): Sch. C loss adequately documented and included in DTI. Buyer Comment (2021-02-04): VVOE provided

Reviewer Comment (2021-02-08): Sch. C loss adequately documented and included in DTI.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316129

19670909

01/26/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 14,434.53 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-03): Lender calculations provided. Buyer Comment (2021-01-31): Per lender: Tax Calc attached. The property costs in the amount of $1,312.23 is correct.

Reviewer Comment (2021-02-03): Lender calculations provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250021

19897765

02/12/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-03-03): 12/3/20 CD provided. Seller Comment (2021-02-25): Uploaded CDs

Reviewer Comment (2021-03-03): 12/3/20 CD provided.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302250021

19897766

02/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302271768

No Finding

Loan Completed Without Finding

Review Complete

02/19/2021

1

1

302327065

19902764

02/13/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: Savings / Account Number: xxxx

Reviewer Comment (2021-02-26):xxxx:  Bank Statement for November 2020 provided.   Exception has been cleared. Seller Comment (2021-02-25): Bank Statements XXXX8713 - See pages 3,4,8,9 and 17 Reviewer Comment (2021-02-25): Rec'd xxxxtatement.  Still missing November. Seller Comment (2021-02-24): see attached. Seller Comment (2021-02-24): Bank Statements attached

Reviewer Comment (2021-02-26):xxxx:  Bank Statement for November 2020 provided.   Exception has been cleared. Reviewer Comment (2021-02-25): Rec'd xxxxtatement.  Still missing November.

Cleared

02/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269304

19592106

01/20/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-01-26): Electronic delivery documented. Buyer Comment (2021-01-25): Acknowledgement

Reviewer Comment (2021-01-26): Electronic delivery documented.

Cleared

01/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302269304

19592107

01/20/2021

Compliance

Federal Compliance

TRID Lender Credit Tolerance Violation

TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,024.73  is less than amount of binding Lender Credit previously disclosed in the amount of $-4,079.00. (9300)

Reviewer Comment (2021-01-26): Changed circumstance documentation provided. Buyer Comment (2021-01-25): COC

Reviewer Comment (2021-01-26): Changed circumstance documentation provided.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286966

19565054

01/15/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-11): VVOE provided. Buyer Comment (2021-02-10): VVOE uploaded

Reviewer Comment (2021-02-11): VVOE provided.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286966

19565700

01/15/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/xxxx)

Reviewer Comment (2021-01-27): xxxx received 11/30 CD. Buyer Comment (2021-01-24): initial CD uploaded

Reviewer Comment (2021-01-27): xxxx received 11/30 CD.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286966

19565701

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $650.00 exceeds tolerance of $600.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-02-03): xxxx received PCCD, LOE, copy of refund check and proof of delivery. Buyer Comment (2021-02-02): Uploaded LOE, PCCD, refund check and proof of delivery Reviewer Comment (2021-01-27): xxxx received 11/30 COC. Please provide additional details regarding the explanation of COVID causing the fee increase on the 11/30 VCC or please provide a corrected CD, LOE, refund check, and proof of mailing to cure. Buyer Comment (2021-01-24): COC uploaded

Reviewer Comment (2021-02-03): xxxx received PCCD, LOE, copy of refund check and proof of delivery. Reviewer Comment (2021-01-27): xxxx received 11/30 COC. Please provide additional details regarding the explanation of COVID causing the fee increase on the 11/30 VCC or please provide a corrected CD, LOE, refund check, and proof of mailing to cure.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302286966

19565702

01/15/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee.  Fee Amount of $79.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (77188)

Reviewer Comment (2021-01-27): Upon further review, the title fee was outsourced by a borrower selected provider. Buyer Comment (2021-01-24): COC uploaded

Reviewer Comment (2021-01-27): Upon further review, the title fee was outsourced by a borrower selected provider.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367070

19896951

02/12/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-01): Lender provided VVOE for xxxx. Seller Comment (2021-02-26): see attached

Reviewer Comment (2021-03-01): Lender provided VVOE for xxxx.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302367070

19897010

02/12/2021

Credit

Asset Documentation

Guideline Issue:Insufficient asset documentation.

Financial Institution: xxxx // Account Type: 401(k)/403(b) Account / Account Number: xxxx

Reviewer Comment (2021-03-01): Lender provided bank statement for 11/1/2020-xxxx Seller Comment (2021-02-26): see attached

Reviewer Comment (2021-03-01): Lender provided bank statement for 11/1/2020-xxxx

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318367

19879332

02/10/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/xxxx)

Reviewer Comment (2021-02-24): Electronic delivery documented. Seller Comment (2021-02-23): Uploaded appraisal delivery

Reviewer Comment (2021-02-24): Electronic delivery documented.

Cleared

02/24/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302335586

No Finding

Loan Completed Without Finding

Review Complete

03/02/2021

1

1

302290298

19557211

01/14/2021

Compliance

Closing / Title

Missing Document: Note - Subject Lien not provided

Reviewer Comment (2021-01-21): Subject Note provided. Buyer Comment (2021-01-20): Up loaded Note.

Reviewer Comment (2021-01-21): Subject Note provided.

Cleared

01/21/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302290298

19557216

01/14/2021

Credit

Closing / Title

Missing Document: Security Instrument - Subject Lien not provided

Reviewer Comment (2021-01-21): Subject security instrument provided. Buyer Comment (2021-01-20): Up loaded Final Security Instrument

Reviewer Comment (2021-01-21): Subject security instrument provided.

Cleared

01/21/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302290298

19557287

01/14/2021

Credit

Application / Processing

Missing Document: Missing Final 1003

Reviewer Comment (2021-02-03): Final 1003 provided. Buyer Comment (2021-01-30): 1003 uploaded Reviewer Comment (2021-01-21): Additional image of initial 1003 provided.  Please provided final. Buyer Comment (2021-01-20): Disregard that was the initial. Buyer Comment (2021-01-20): Up loaded Final 1003

Reviewer Comment (2021-02-03): Final 1003 provided. Reviewer Comment (2021-01-21): Additional image of initial 1003 provided.  Please provided final.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290298

19558674

01/14/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-01-26): Inspection datedxxxxndicates no damage.

Reviewer Comment (2021-01-26): Inspection datedxxxxndicates no damage.

Cleared

01/26/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290298

19558685

01/14/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-02-21): Delivery of appraisal documented. Buyer Comment (2021-02-19): Uploaded verification of appraisal receipt

Reviewer Comment (2021-02-21): Delivery of appraisal documented.

Cleared

02/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290298

19558686

01/14/2021

Compliance

Federal Compliance

RESPA -  Initial Escrow Account Statement Missing

RESPA: Initial escrow account statement was not provided to the borrower.

Reviewer Comment (2021-02-21): Disclosure provided. Buyer Comment (2021-02-19): Uploaded IEADS

Reviewer Comment (2021-02-21): Disclosure provided.

Cleared

02/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290298

19558687

01/14/2021

Compliance

Federal Compliance

Right of Rescission Timing - Note Date used as Transaction Date

Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements

Reviewer Comment (2021-01-21): Note and security instrument provided.  Consummation date verified.

Reviewer Comment (2021-01-21): Note and security instrument provided.  Consummation date verified.

Cleared

01/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290298

19558688

01/14/2021

Compliance

Federal Compliance

Notice of Right to Cancel Missing

Truth in Lending Act: Notice of Right to Cancel was not provided.

Reviewer Comment (2021-02-03): RTC provided. Buyer Comment (2021-01-30): Right ot cancel

Reviewer Comment (2021-02-03): RTC provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290298

19775719

02/03/2021

Compliance

Federal Compliance

Notice of Right To Cancel Not Provided to All Required Parties

Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest.

Reviewer Comment (2021-03-01): Co-borrower RTC provided. Buyer Comment (2021-02-26): RTC Reviewer Comment (2021-02-21): Additional RTC provided for borrower.  Still missing co-borrower. Buyer Comment (2021-02-19): Uploaded RTC

Reviewer Comment (2021-03-01): Co-borrower RTC provided. Reviewer Comment (2021-02-21): Additional RTC provided for borrower.  Still missing co-borrower.

Cleared

03/01/2021

N

3

1

A

A

A

A

A

302392698

19636073

01/22/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/xxxx)

Reviewer Comment (2021-02-21): Delivery to borrower documented. Buyer Comment (2021-02-19): ECOA

Reviewer Comment (2021-02-21): Delivery to borrower documented.

Cleared

02/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302392698

19636075

01/22/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-03-03): Evidence of earlier electronic delivery provided. Buyer Comment (2021-03-01): Uploaded proof of delivery Reviewer Comment (2021-02-21): CD provided but no documentation as to when it was provided to the borrower. Buyer Comment (2021-02-19): CD

Reviewer Comment (2021-03-03): Evidence of earlier electronic delivery provided. Reviewer Comment (2021-02-21): CD provided but no documentation as to when it was provided to the borrower.

Cleared

03/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243226

19393156

xxxx  2:14:02 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302243226

19393157

xxxx  2:14:02 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $137.50 exceeds tolerance of $70.00.  Sufficient or excess cure was provided to the borrower at Closing. (7520)

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302243226

19393158

xxxx  2:14:02 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,584.00 exceeds tolerance of $1,518.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Reviewer Comment (2020-12-31): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302318087

19567880

01/15/2021

Credit

Asset Documentation

Missing Document: Gift Letter not provided

Reviewer Comment (2021-02-10): Gift letter and sourcing provided. Buyer Comment (2021-02-08): Executed gift letter attached Reviewer Comment (2021-02-01): Wire confirmation provided but still missing executed gift letter. Buyer Comment (2021-01-28): Wire  uploaded

Reviewer Comment (2021-02-10): Gift letter and sourcing provided. Reviewer Comment (2021-02-01): Wire confirmation provided but still missing executed gift letter.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265783

19603642

01/21/2021

Compliance

Federal Compliance

TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date

Truth in Lending Act:  Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).

Reviewer Comment (2021-02-03): Confirmation that rescission period has ended. Buyer Comment (2021-02-01): Please clear rescission expires 2/1/2020 Reviewer Comment (2021-01-28): New RTC with signed date of xxxxnd recession period open till xxxxent in --- need confirmation recession period has passed and loan has not been Rescinded on Buyer Comment (2021-01-28): Uploaded RTC.

Reviewer Comment (2021-02-03): Confirmation that rescission period has ended. Reviewer Comment (2021-01-28): New RTC with signed date of xxxxnd recession period open till xxxxent in --- need confirmation recession period has passed and loan has not been Rescinded on

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265783

19608527

01/21/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-01-28): cleared based on uploaded doc's Buyer Comment (2021-01-28): VOE uploaded

Reviewer Comment (2021-01-28): cleared based on uploaded doc's

Cleared

01/28/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270494

19547994

01/13/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-17): Provided HELOC close account and release letter Buyer Comment (2021-02-16): HELOC Close letter attached

Reviewer Comment (2021-02-17): Provided HELOC close account and release letter

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270494

19548225

01/13/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-01): Gap and prior employment dates documented. Buyer Comment (2021-01-28): Previous VOE and LOX from borrower

Reviewer Comment (2021-02-01): Gap and prior employment dates documented.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270494

19548226

01/13/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-01): Gap and prior employment dates documented. Buyer Comment (2021-01-28): VOE and LOX uploaded

Reviewer Comment (2021-02-01): Gap and prior employment dates documented.

Cleared

02/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302270494

19548229

01/13/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $650.00 exceeds tolerance of $600.00.  Insufficient or no cure was provided to the borrower. (7506)

Reviewer Comment (2021-01-25): xxxx received VCC for appraisal, exception is cleared. Buyer Comment (2021-01-21): COC

Reviewer Comment (2021-01-25): xxxx received VCC for appraisal, exception is cleared.

Cleared

01/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302268716

No Finding

Loan Completed Without Finding

Review Complete

02/18/2021

1

1

302244532

19125564

xxxx  2:48:00 PM

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2020-12-16): Replacement cost estimator provided. Buyer Comment (2020-12-14): RCE uploaded

Reviewer Comment (2020-12-16): Replacement cost estimator provided.

Cleared

xxxx  12:27:59 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302244532

19125593

xxxx  2:50:17 PM

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx W-2 Transcript (2018), W-2 Transcript (2019) W-2 Transcript (2018), W-2 Transcript (2019)

Reviewer Comment (2020-12-16): W2 transcripts provided for both borrowers. Buyer Comment (2020-12-14): Transcripts uploaded

Reviewer Comment (2020-12-16): W2 transcripts provided for both borrowers.

Cleared

xxxx  12:28:15 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302244532

19125645

xxxx  2:53:03 PM

Credit

Guideline Issue

Employment was not verified within 10 days of the note date.

Reviewer Comment (2020-12-16): VVOE provided. Buyer Comment (2020-12-14): VOE uploaded within 5 days of Note as per guidelines

Reviewer Comment (2020-12-16): VVOE provided.

Cleared

xxxx  12:28:25 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302274663

18943594

xxxx  12:33:35 PM

Credit

General

Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.

Reviewer Comment (2020-12-02): Provided tax payer consent Buyer Comment (2020-12-01): Consent uploaded

Reviewer Comment (2020-12-02): Provided tax payer consent

Cleared

12/02/2020

N

2

1

B

A

B

A

B

A

B

A

B

A

302274663

18943850

xxxx  12:49:08 PM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2020-11-10): Sufficient Cure Provided At Closing

Reviewer Comment (2020-11-10): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302274663

18971470

xxxx  12:18:28 PM

Credit

Application / Processing

Missing Document: Approval not provided

Reviewer Comment (2020-11-19): Revised 1008 provided. Buyer Comment (2020-11-17): 1008 uploaded

Reviewer Comment (2020-11-19): Revised 1008 provided.

Cleared

xxxx  5:34:25 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302274663

18971504

xxxx  12:21:12 PM

Credit

Application / Processing

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

Reviewer Comment (2020-11-19): Revised 1008 provided. Buyer Comment (2020-11-17): 1008 uploaded

Reviewer Comment (2020-11-19): Revised 1008 provided.

Cleared

xxxx  5:34:36 PM

N

3

1

C

A

C

A

C

A

C

A

C

A

302175918

No Finding

Loan Completed Without Finding

Review Complete

01/13/2021

1

1

302319596

19871802

02/10/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-23): Received hazard policy. Seller Comment (2021-02-22): see attached

Reviewer Comment (2021-02-23): Received hazard policy.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302319596

19871963

02/10/2021

Credit

Insurance Documentation

Hazard Insurance Error: Subject hazard insurance premium is missing from evidence of insurance.

Reviewer Comment (2021-02-23): Received hazard policy. Seller Comment (2021-02-22): see attached

Reviewer Comment (2021-02-23): Received hazard policy.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302319596

19900062

02/12/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $625.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-12): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

302327827

19634108

01/22/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-04): Insurer verification provided. Buyer Comment (2021-02-04): LOX from hazard company

Reviewer Comment (2021-02-04): Insurer verification provided.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327827

19635975

01/22/2021

Compliance

Federal Compliance

TRID Initial Closing Disclosure Timing without Waiver

TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/xxxx)

Reviewer Comment (2021-02-04): Electronic delivery documented. Buyer Comment (2021-02-01): Uploaded disclosure tracking. Please see CD received date to clear.

Reviewer Comment (2021-02-04): Electronic delivery documented.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302278953

19604200

01/21/2021

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing. (7506)

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Reviewer Comment (2021-01-21): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302332720

No Finding

Loan Completed Without Finding

Review Complete

03/04/2021

1

1

302365595

No Finding

Loan Completed Without Finding

Review Complete

02/26/2021

1

1

302248410

19558430

01/14/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-11): Balance sheet uploaded as Doc ID 0249 is sufficient to clear this finding.

Reviewer Comment (2021-02-11): Balance sheet uploaded as Doc ID 0249 is sufficient to clear this finding.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302248410

19558432

01/14/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-01): Small loss included in DTI and adequately documented.

Reviewer Comment (2021-02-01): Small loss included in DTI and adequately documented.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302248410

19558471

01/14/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-11): Balance sheet uploaded as Doc ID 0249 is sufficient to clear this finding. Buyer Comment (2021-02-11): Balance  sheet uploaded

Reviewer Comment (2021-02-11): Balance sheet uploaded as Doc ID 0249 is sufficient to clear this finding.

Cleared

02/11/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302248410

19559675

01/14/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-01): Small loss included in DTI and adequately documented. Buyer Comment (2021-01-28): Un audited P & L and balance sheet. provided. Income for this business is negative

Reviewer Comment (2021-02-01): Small loss included in DTI and adequately documented.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302248410

19559676

01/14/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-01): Small loss included in DTI and adequately documented. Buyer Comment (2021-01-28): Un audited P & L and balance uploaded, income is negative audited P & L is not  required

Reviewer Comment (2021-02-01): Small loss included in DTI and adequately documented.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302248410

19569422

01/15/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-10): Replacement cost estimate provided. Buyer Comment (2021-02-08): RCE uploaded

Reviewer Comment (2021-02-10): Replacement cost estimate provided.

Cleared

02/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302332785

No Finding

Loan Completed Without Finding

Review Complete

02/16/2021

1

1

302029652

19397665

01/02/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-03-15): Inspection dated xxxx indicates no damage. Buyer Comment (2021-03-11): PDI Provided

Reviewer Comment (2021-03-15): Inspection dated xxxx indicates no damage.

Cleared

03/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302029652

19397669

01/02/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-03-05): 3/5/2021:  Received settlement agreement reflecting xxxx no longer has any ownership interest in xxxx.  Exception has been cleared. Buyer Comment (2021-03-04): see attached

Reviewer Comment (2021-03-05): 3/5/2021:  Received settlement agreement reflecting xxxx no longer has any ownership interest in xxxx.  Exception has been cleared.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302029652

19397670

01/02/2021

Compliance

Federal Compliance

S-Corp Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). (xxxx/S-Corp)

Reviewer Comment (2021-03-05): 3/5/2021:  Balance Sheet received.   Exception has been cleared. Buyer Comment (2021-03-04): see attached

Reviewer Comment (2021-03-05): 3/5/2021:  Balance Sheet received.   Exception has been cleared.

Cleared

03/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302029652

19397671

01/02/2021

Compliance

Federal Compliance

Self-Employed Tax Return Recency

Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxx,  Most Recent Tax Return End Date xxxx, Tax Return Due Date xxxx. (xxxx/Schedule K-1 less than 25 Percent)

Reviewer Comment (2021-03-05): 3/5/2021:  Received settlement agreement reflecting xxxx no longer has any ownership interest in xxxx.  Exception has been cleared.

Reviewer Comment (2021-03-05): 3/5/2021:  Received settlement agreement reflecting xxxx no longer has any ownership interest in xxxx.  Exception has been cleared.

Cleared

03/05/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302029652

19397681

01/02/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-05): 3/5/2021:  Received settlement agreement reflecting xxxx no longer has any ownership interest in xxxx.  Exception has been cleared.

Reviewer Comment (2021-03-05): 3/5/2021:  Received settlement agreement reflecting xxxx no longer has any ownership interest in xxxx.  Exception has been cleared.

Cleared

03/05/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302029652

19397685

01/02/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-01-15): VOE provided for current and former employment. Buyer Comment (2021-01-12): VOE's uploaded

Reviewer Comment (2021-01-15): VOE provided for current and former employment.

Cleared

01/15/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302029652

19397687

01/02/2021

Compliance

Federal Compliance

Self-Employed Tax Return Recency - ATR

Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xxxx,  Most Recent Tax Return End Date xxxx, Tax Return Due Date xxxx. (xxxx/Partnership)

Reviewer Comment (2021-03-05): 3/5/2021:  Received settlement agreement reflecting xxxx no longer has any ownership interest in xxxx.  Exception has been cleared.

Reviewer Comment (2021-03-05): 3/5/2021:  Received settlement agreement reflecting xxxx no longer has any ownership interest in xxxx.  Exception has been cleared.

Cleared

03/05/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302029652

19422721

01/05/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-03): Refinance PI for REO documented. Buyer Comment (2021-01-31): please find attached verification of the REO payment.

Reviewer Comment (2021-02-03): Refinance PI for REO documented.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302029652

19422777

01/05/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-15): VOE provided. Buyer Comment (2021-01-12): VOE uploaded

Reviewer Comment (2021-01-15): VOE provided.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302029652

19422825

01/05/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-15): VOE provided. Buyer Comment (2021-01-12): VOE for xxxx

Reviewer Comment (2021-01-15): VOE provided.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271751

19796665

02/05/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 17,278.25 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-03-01): Post close CD provided with updated Disbursement date and Estimated Taxes and Insurance amounts. Seller Comment (2021-02-26): Uploaded LOE Reviewer Comment (2021-02-21): PCCD for borrower provided.  Please also provide LOE. Seller Comment (2021-02-19): PCCD/LOE/FSS Reviewer Comment (2021-02-17): Docs provided are not for the borrower Seller Comment (2021-02-16): Uploaded PCCD and LOE

Reviewer Comment (2021-03-01): Post close CD provided with updated Disbursement date and Estimated Taxes and Insurance amounts. Reviewer Comment (2021-02-21): PCCD for borrower provided.  Please also provide LOE. Reviewer Comment (2021-02-17): Docs provided are not for the borrower

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271751

19796667

02/05/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-03-01): Post close CD provided with updated Disbursement date and Estimated Taxes and Insurance amounts. Seller Comment (2021-02-26): LOE Reviewer Comment (2021-02-21): PCCD for borrower provided.  Please also provide LOE. Seller Comment (2021-02-19): PCCD/LOE/FSS uploaded Reviewer Comment (2021-02-17): Docs provided are not for the borrower. Reviewer Comment (2021-02-17): Received PCCD issuedxxxx reflecting an updated disbursement date of 1/6/2021, a closing statement reflecting the same disbursement date and a LOX. Seller Comment (2021-02-16): Uploaded final settlement statement. Also, see corrected PCCD uploaded.

Reviewer Comment (2021-03-01): Post close CD provided with updated Disbursement date and Estimated Taxes and Insurance amounts. Reviewer Comment (2021-02-21): PCCD for borrower provided.  Please also provide LOE. Reviewer Comment (2021-02-17): Docs provided are not for the borrower. Reviewer Comment (2021-02-17): Received PCCD issuedxxxx reflecting an updated disbursement date of 1/6/2021, a closing statement reflecting the same disbursement date and a LOX.

Cleared

03/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271751

19796693

02/05/2021

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-24): Received a VVOE. Seller Comment (2021-02-22): VVOE

Reviewer Comment (2021-02-24): Received a VVOE.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271751

19805222

02/08/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-24): Received close out letter. Seller Comment (2021-02-22): payoff letter

Reviewer Comment (2021-02-24): Received close out letter.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271751

19865511

02/09/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Reviewer Comment (2021-02-23): Received copy of the post disaster inspection showing no damage.

Reviewer Comment (2021-02-23): Received copy of the post disaster inspection showing no damage.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302270829

19549909

01/14/2021

Credit

Application / Processing

Missing Document: Purchase Agreement / Sales Contract not provided

Reviewer Comment (2021-02-01): Purchase contract provided. Buyer Comment (2021-01-28): Purchase Agreement attached

Reviewer Comment (2021-02-01): Purchase contract provided.

Cleared

02/01/2021

N

3

1

D

A

D

A

D

A

D

A

D

A

302270829

19559837

01/14/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-01): VOE provided. Buyer Comment (2021-01-28): Korn VVOE attached

Reviewer Comment (2021-02-01): VOE provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096029

19388268

xxxx  7:21:03 AM

Compliance

Federal Compliance

TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided

TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $235.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. (7552)

Reviewer Comment (2021-02-03): Valid change of circumstance provided on 2/2/21, cleared exception. Buyer Comment (2021-02-02): Uploaded disclosure tracking reasons Reviewer Comment (2021-01-25): xxxx received Changed Circumstance dated xxxx,  but it does not give sufficient information on why the reinspection fee was added.  In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Buyer Comment (2021-01-22): CD/COC Reviewer Comment (2021-01-14): xxxx received change circumstance issued 11-23-20 which reflects that fee added per UW.  In review of file documentation, appraisal did not require a final inspection. No other documentation to verify date lender required and lender knowledge and why was reinspection added.  Insufficient information on changed circumstance to determine if valid.   In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change.  A valid Changed Circumstance or cure requirements of Corrected CD, LOE to borrower, proof of mailing and copy of refund check are required. Buyer Comment (2021-01-09): PCCD

Reviewer Comment (2021-02-03): Valid change of circumstance provided on 2/2/21, cleared exception. Reviewer Comment (2021-01-25): xxxx received Changed Circumstance dated xxxx,  but it does not give sufficient information on why the reinspection fee was added.  In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. Reviewer Comment (2021-01-14): xxxx received change circumstance issued 11-23-20 which reflects that fee added per UW.  In review of file documentation, appraisal did not require a final inspection. No other documentation to verify date lender required and lender knowledge and why was reinspection added.  Insufficient information on changed circumstance to determine if valid.   In order to determine if the changed circumstance is valid more information is necessary on reason fee increase/added and when lender became aware of the change.  A valid Changed Circumstance or cure requirements of Corrected CD, LOE to borrower, proof of mailing and copy of refund check are required.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096029

19395773

xxxx  7:21:33 PM

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-02): Verification provided. Buyer Comment (2021-01-29): Previous VOE's  received are dated post closing however 2 years W-2 in file as well as the final 1003 reflects employment dates. We should be ok with clearing this exception

Reviewer Comment (2021-02-02): Verification provided.

Cleared

02/02/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302096029

19395788

xxxx  7:23:05 PM

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-02): Verification provided. Buyer Comment (2021-01-29): Previous VOE's  received are dated post closing however 2 years W-2 in file as well as the final 1003 reflects employment dates. We should be ok with clearing this exception

Reviewer Comment (2021-02-02): Verification provided.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302096029

19395791

xxxx  7:23:05 PM

Credit

Income Documentation

The verification of employment is required and was not found in file.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-02): Verification provided. Buyer Comment (2021-01-29): Previous VOE's  received are dated post closing however 2 years W-2 in file as well as the final 1003 reflects employment dates. We should be ok with clearing this exception

Reviewer Comment (2021-02-02): Verification provided.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265816

19510720

01/11/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-02-04): Inspection datedxxxxndicates no damage.

Reviewer Comment (2021-02-04): Inspection datedxxxxndicates no damage.

Cleared

02/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265816

19510997

01/11/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-01): VOE provided. Buyer Comment (2021-01-28): VOE uploaded

Reviewer Comment (2021-02-01): VOE provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265816

19510998

01/11/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx VVOE - Employment Only VVOE - Employment Only

Reviewer Comment (2021-02-01): VOE provided. Buyer Comment (2021-01-28): VOE uploaded

Reviewer Comment (2021-02-01): VOE provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265816

19511310

01/11/2021

Compliance

Federal Compliance

QM Employment History

Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (xxxx)

Reviewer Comment (2021-02-01): Required two year employment history documented. Buyer Comment (2021-01-28): LOX uploaded no gap in employment

Reviewer Comment (2021-02-01): Required two year employment history documented.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302265816

19511311

01/11/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-01): Required two year employment history documented. Buyer Comment (2021-01-28): VOE's docs uploaded

Reviewer Comment (2021-02-01): Required two year employment history documented.

Cleared

02/01/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302327797

19884579

02/11/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-23): Provided canceled checks Seller Comment (2021-02-22): Checks uploaded

Reviewer Comment (2021-02-23): Provided canceled checks

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302277128

19867328

02/10/2021

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-02-23): Borrower explanation provided. Seller Comment (2021-02-22): LOX uploaded

Reviewer Comment (2021-02-23): Borrower explanation provided.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302248790

19849913

02/09/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-24): Received VOE. Seller Comment (2021-02-22): VVOE uploaded

Reviewer Comment (2021-02-24): Received VOE.

Cleared

02/24/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302248790

19849914

02/09/2021

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/xxxx)

Reviewer Comment (2021-02-18): Delivery date documented. Seller Comment (2021-02-17): Uploaded verification of appraisal receipt

Reviewer Comment (2021-02-18): Delivery date documented.

Cleared

02/18/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302214056

18890070

11/03/2020

Compliance

Federal Compliance

ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation

ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Secondary/xxxx)

Reviewer Comment (2020-11-25): Evidence of delivery provided. Buyer Comment (2020-11-18): ECOA

Reviewer Comment (2020-11-25): Evidence of delivery provided.

Cleared

xxxx  1:08:50 PM

N

2

1

B

A

B

A

B

A

B

A

B

A

302307723

19393136

xxxx  2:10:44 PM

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: Investor qualifying total debt ratio discrepancy.

Calculated investor qualifying total debt ratio of 44.33164% exceeds Guideline total debt ratio of 43.00000%.

Reviewer Comment (2021-01-21): DTI within guidelines.

Reviewer Comment (2021-01-21): DTI within guidelines.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307723

19393144

xxxx  2:12:28 PM

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-01-11): Disclosure provided. Buyer Comment (2021-01-05): MLO

Reviewer Comment (2021-01-11): Disclosure provided.

Cleared

01/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302307723

19393145

xxxx  2:12:28 PM

Compliance

Federal Compliance

General Ability To Repay Provision Investor Guidelines

Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.

Reviewer Comment (2021-01-21): DTI within guidelines.

Reviewer Comment (2021-01-21): DTI within guidelines.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307723

19393146

xxxx  2:12:28 PM

Compliance

Federal Compliance

General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines

Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 44.33164% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.)

Reviewer Comment (2021-01-21): DTI within guidelines.

Reviewer Comment (2021-01-21): DTI within guidelines.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307723

19393147

xxxx  2:12:28 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.

Reviewer Comment (2021-02-08): Signed and dated return provided. Buyer Comment (2021-02-04): 2018 tax returned signed Reviewer Comment (2021-01-25): Signed/dated 2019 1040's provided. Buyer Comment (2021-01-22): Signed 2019 1040's, still need  2018 Reviewer Comment (2021-01-21): DTI within guidelines.  However, use of xxxx income requires 2 years signed/dated tax returns.

Reviewer Comment (2021-02-08): Signed and dated return provided. Reviewer Comment (2021-01-25): Signed/dated 2019 1040's provided. Reviewer Comment (2021-01-21): DTI within guidelines.  However, use of xxxx income requires 2 years signed/dated tax returns.

Cleared

02/08/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302307723

19393149

xxxx  2:12:28 PM

Compliance

Federal Compliance

QM DTI

Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.

Reviewer Comment (2021-01-21): DTI within guidelines. Buyer Comment (2021-01-20): Income calc, 1008 uploaded

Reviewer Comment (2021-01-21): DTI within guidelines.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302307723

19393150

xxxx  2:12:28 PM

Compliance

Federal Compliance

TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC)

Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.

Reviewer Comment (2021-01-11): Lender to lender refi with no new money to borrower. Buyer Comment (2021-01-05): Refinance with Original Creditor and no new money to Borrower. Rescission does not apply. Please review.

Reviewer Comment (2021-01-11): Lender to lender refi with no new money to borrower.

Cleared

01/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302307723

19617425

01/21/2021

Compliance

Federal Compliance

Commission Tax Documentation

Qualified Mortgage (Dodd-Frank 2014): xxxx income missing two years consecutive signed tax returns or tax transcripts (xxxx/xxxx)

Reviewer Comment (2021-02-08): Signed and dated return provided. Buyer Comment (2021-02-04): 2018 provided.

Reviewer Comment (2021-02-08): Signed and dated return provided.

Cleared

02/08/2021

N

3

1

A

A

A

A

A

302305537

19566962

01/15/2021

Credit

Application / Processing

FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.

Most Recent Valuation Inspection Date: xxxx                  Disaster End Date: xxxx Disaster Name: WILDFIRES Disaster Declaration Date: xxxx

Reviewer Comment (2021-02-02): Inspection datedxxxxndicates no damage.

Reviewer Comment (2021-02-02): Inspection datedxxxxndicates no damage.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302305537

19645315

01/22/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx VVOE - Employment Only

Reviewer Comment (2021-02-17): Received VVOE for co-borrower. Buyer Comment (2021-02-16): xxxx VOE Reviewer Comment (2021-02-13): VOE for co-borrower was not provided.  There is a VVOE from xxxx but the borrowers name reflects xxxx, not xxxx. Buyer Comment (2021-02-12): PCCD, LOE and ALTA to verify that the loan closed/disbursed on xxxx - VVVOE within 5 business days of closing date

Reviewer Comment (2021-02-17): Received VVOE for co-borrower. Reviewer Comment (2021-02-13): VOE for co-borrower was not provided.  There is a VVOE from xxxx but the borrowers name reflects xxxx, not xxxx.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302269518

19385923

xxxx  4:10:00 PM

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-01-08): Disclosure provided. Buyer Comment (2021-01-05): MLO

Reviewer Comment (2021-01-08): Disclosure provided.

Cleared

01/08/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302247659

19387999

xxxx  6:23:58 AM

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-01-08): Disclosure provided. Buyer Comment (2021-01-05): MLO

Reviewer Comment (2021-01-08): Disclosure provided.

Cleared

01/08/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302247659

19388000

xxxx  6:23:58 AM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-21): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.

Reviewer Comment (2021-01-21): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.

Cleared

01/21/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302247659

19388002

xxxx  6:25:10 AM

Compliance

Federal Compliance

QM Points and Fees

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or .98960%).

Reviewer Comment (2021-01-21): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.

Reviewer Comment (2021-01-21): Received documentation of the un-discounted rate; discount points can be excluded as bona fide.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302247659

19388016

xxxx  6:29:46 AM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-21): VOE provided. Buyer Comment (2021-01-20): VOE uploaded

Reviewer Comment (2021-01-21): VOE provided.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302247659

19394008

xxxx  3:25:44 PM

Credit

Miscellaneous

Credit Exception:

Reviewer Comment (2021-01-21): Documentation provided from creditors that accounts were closed prior to Note date. Buyer Comment (2021-01-20): Proof accts closed

Reviewer Comment (2021-01-21): Documentation provided from creditors that accounts were closed prior to Note date.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302227978

19394060

xxxx  3:33:45 PM

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-01-21): VA disability benefits documented.

Reviewer Comment (2021-01-21): VA disability benefits documented.

Cleared

01/21/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302227978

19394061

xxxx  3:33:45 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-01-21): VA disability benefits documented. Reviewer Comment (2021-01-19): Certificate of loan eligibility provided.  Need award letter for non-education VA benefits listed on 1003. Buyer Comment (2021-01-15): VA benefits uploaded

Reviewer Comment (2021-01-21): VA disability benefits documented. Reviewer Comment (2021-01-19): Certificate of loan eligibility provided.  Need award letter for non-education VA benefits listed on 1003.

Cleared

01/21/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302227978

19409399

01/04/2021

Compliance

Federal Compliance

VA Benefits Verification

Qualified Mortgage (Dodd-Frank 2014): Non-Military Allowance or Flight / Hazard Pay income documentation requirement not met. (xxxx/VA Service Related Disability)

Reviewer Comment (2021-01-21): VA disability benefits documented. Buyer Comment (2021-01-21): It's VA disability lifetime benefit - No educational benefits are included with VA disability - Please review and sign off Reviewer Comment (2021-01-21): Eligibility for loan benefits is not sufficient documentation for disability benefits.  VA Verification of Benefits, Form 26-8937 is required. Buyer Comment (2021-01-20): It's VA disability lifetime benefit - No educational benefits are included with VA disability - Please review and sign off. Reviewer Comment (2021-01-19): Certificate of loan eligibility provided.  Need award letter for non-education VA benefits listed on 1003. Buyer Comment (2021-01-15): VA benefits uploaded

Reviewer Comment (2021-01-21): VA disability benefits documented. Reviewer Comment (2021-01-21): Eligibility for loan benefits is not sufficient documentation for disability benefits.  VA Verification of Benefits, Form 26-8937 is required. Reviewer Comment (2021-01-19): Certificate of loan eligibility provided.  Need award letter for non-education VA benefits listed on 1003.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228174

19585105

01/19/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-08): Balance sheet provided. Buyer Comment (2021-02-04): Balance sheet uploaded

Reviewer Comment (2021-02-08): Balance sheet provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228174

19585116

01/19/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-08): Balance sheet provided. Buyer Comment (2021-02-04): Balance sheet uploaded

Reviewer Comment (2021-02-08): Balance sheet provided.

Cleared

02/08/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302228174

19588445

01/19/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-03): Replacement cost estimator provided. Buyer Comment (2021-01-30): RCE uploaded

Reviewer Comment (2021-02-03): Replacement cost estimator provided.

Cleared

02/03/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228173

19868677

02/10/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-03-04): Received the Hazard Insurance Policy and Replacement Cost Estimator. Seller Comment (2021-03-03): RCE attached Seller Comment (2021-03-03): hazard policy attached

Reviewer Comment (2021-03-04): Received the Hazard Insurance Policy and Replacement Cost Estimator.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228173

19874615

02/10/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-18): Disclosure provided. Seller Comment (2021-02-18): Disclosure Seller Comment (2021-02-17): MLO

Reviewer Comment (2021-02-18): Disclosure provided.

Cleared

02/18/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302228173

19874617

02/10/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-04): Upon further review, this exception has been cleared. The 2017 IRS Tax Transcript was provided in the file and the transcript includes Schedule D.

Reviewer Comment (2021-03-04): Upon further review, this exception has been cleared. The 2017 IRS Tax Transcript was provided in the file and the transcript includes Schedule D.

Cleared

03/04/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302228173

19897731

02/12/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-03-19): Additional bank statement provided reflecting housing history payments. Sufficient housing history is evidenced in the loan file meets the 24 month consecutive housing history as required. Seller Comment (2021-03-18): mortgage history attached

Reviewer Comment (2021-03-19): Additional bank statement provided reflecting housing history payments. Sufficient housing history is evidenced in the loan file meets the 24 month consecutive housing history as required.

Cleared

03/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228173

19898797

02/12/2021

Compliance

Federal Compliance

Capital Gains Tax Returns

Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. (xxxx/Schedule D)

Reviewer Comment (2021-03-04): Upon further review, this exception has been cleared. The 2017 IRS Tax Transcript was provided in the file and the transcript includes Schedule D.

Reviewer Comment (2021-03-04): Upon further review, this exception has been cleared. The 2017 IRS Tax Transcript was provided in the file and the transcript includes Schedule D.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302228173

19898877

02/12/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 14.73 is less than Guideline PITIA months reserves of 15.00.

Reviewer Comment (2021-03-19): Additional Assets verified per Asset Statements provided. Seller Comment (2021-03-18): Additional reserves xxxx attached Reviewer Comment (2021-03-04): Received a duplicate xxxx IRA statement that contains only 3 pages out of 20 and these pages do not verify the account balance or quarterly history. In order to rereview this exception, all 20 pages of this brokerage statement are required. Seller Comment (2021-03-03): Additional funds verified - xxxx IRA attached

Reviewer Comment (2021-03-19): Additional Assets verified per Asset Statements provided. Reviewer Comment (2021-03-04): Received a duplicate xxxx IRA statement that contains only 3 pages out of 20 and these pages do not verify the account balance or quarterly history. In order to rereview this exception, all 20 pages of this brokerage statement are required.

Cleared

03/19/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302260923

19587678

01/19/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-01-24): PCCD and LOE provided to revise disbursement date. Buyer Comment (2021-01-21): Corrected Disbursement date

Reviewer Comment (2021-01-24): PCCD and LOE provided to revise disbursement date.

Cleared

01/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302260923

19587685

01/19/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-01-22): Par rate and lender calculations provided. Buyer Comment (2021-01-21): Discount points Bona Fide

Reviewer Comment (2021-01-22): Par rate and lender calculations provided.

Cleared

01/22/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302260923

19587686

01/19/2021

Compliance

Federal Compliance

QM Points and Fees

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or .98960%).

Reviewer Comment (2021-01-22): Par rate and lender calculations provided. Buyer Comment (2021-01-21): Discount points Bona Fide

Reviewer Comment (2021-01-22): Par rate and lender calculations provided.

Cleared

01/22/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302271748

19395464

xxxx  6:24:07 PM

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-01-11): Disclosure provided. Buyer Comment (2021-01-06): LO Comp Disclosure

Reviewer Comment (2021-01-11): Disclosure provided.

Cleared

01/11/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302271748

19395468

xxxx  6:24:45 PM

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-17): Lender attestation provided. Buyer Comment (2021-02-16): lender attestation was uploadedxxxx regarding QM points and fees Reviewer Comment (2021-02-04): While the refund portion of the cure requirement is satisfied, we would still require an attestation from lender indicating: a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; b)      The loan is not 60 days delinquent; and c)      The creditor has policies in place to identify and cure excessive fees collected from the consumer We require this attestation to fully effectuate the cure given the explicit cure requirement outlined in 1026.43(e)(3)(iii) and (iv): If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions: 1)      Refund is made within 210 days of consummation; 2)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3)      The loan is not 60 days delinquent; 4)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and 5)      The loan was closed on or before xxxx. Once received, we can cure to EV2-B. Buyer Comment (2021-02-01): QM docs uploaded Reviewer Comment (2021-01-15): Please provided undiscounted rate and price used for bona fide discount point testing/exclusion.  Unable to definitively determine from rate sheet and compliance report provided. Buyer Comment (2021-01-12): RATE sheet /pricing uploaded and discount point disclosure D0063

Reviewer Comment (2021-02-17): Lender attestation provided. Reviewer Comment (2021-02-04): While the refund portion of the cure requirement is satisfied, we would still require an attestation from lender indicating: a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; b)      The loan is not 60 days delinquent; and c)      The creditor has policies in place to identify and cure excessive fees collected from the consumer We require this attestation to fully effectuate the cure given the explicit cure requirement outlined in 1026.43(e)(3)(iii) and (iv): If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions: 1)      Refund is made within 210 days of consummation; 2)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3)      The loan is not 60 days delinquent; 4)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and 5)      The loan was closed on or before xxxx. Once received, we can cure to EV2-B. Reviewer Comment (2021-01-15): Please provided undiscounted rate and price used for bona fide discount point testing/exclusion.  Unable to definitively determine from rate sheet and compliance report provided.

Cured

N

3

2

B

A

C

B

C

B

B

B

B

A

302271748

19395469

xxxx  6:24:45 PM

Compliance

Federal Compliance

QM Points and Fees

Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or .98960%).

Reviewer Comment (2021-02-14): Provided LOE, PCCD, refund check and lender attestation Buyer Comment (2021-02-12): Uploaded lender attestation Reviewer Comment (2021-02-04): While the refund portion of the cure requirement is satisfied, we would still require an attestation from lender indicating: a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; b)      The loan is not 60 days delinquent; and c)      The creditor has policies in place to identify and cure excessive fees collected from the consumer We require this attestation to fully effectuate the cure given the explicit cure requirement outlined in 1026.43(e)(3)(iii) and (iv): If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions: 1)      Refund is made within 210 days of consummation; 2)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3)      The loan is not 60 days delinquent; 4)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and 5)      The loan was closed on or before xxxx. Once received, we can cure to EV2-B. Buyer Comment (2021-02-01): Uploaded PCCD, LOE, refund check and fedex Reviewer Comment (2021-01-15): Please provided undiscounted rate and price used for bona fide discount point testing/exclusion.  Unable to definitively determine from rate sheet and compliance report provided. Buyer Comment (2021-01-12): RATE/PRICING SHEET & Discount Point disclosure showing starting rate is also located D0063

Reviewer Comment (2021-02-14): Provided LOE, PCCD, refund check and lender attestation Reviewer Comment (2021-02-04): While the refund portion of the cure requirement is satisfied, we would still require an attestation from lender indicating: a)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; b)      The loan is not 60 days delinquent; and c)      The creditor has policies in place to identify and cure excessive fees collected from the consumer We require this attestation to fully effectuate the cure given the explicit cure requirement outlined in 1026.43(e)(3)(iii) and (iv): If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions: 1)      Refund is made within 210 days of consummation; 2)      The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3)      The loan is not 60 days delinquent; 4)      The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and 5)      The loan was closed on or before xxxx. Once received, we can cure to EV2-B. Reviewer Comment (2021-01-15): Please provided undiscounted rate and price used for bona fide discount point testing/exclusion.  Unable to definitively determine from rate sheet and compliance report provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302279019

19871834

02/10/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-17): Provided LO compensation disclosure Seller Comment (2021-02-16): MLO

Reviewer Comment (2021-02-17): Provided LO compensation disclosure

Cleared

02/17/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302279019

19871836

02/10/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-21): PCCD and LOE provided. Seller Comment (2021-02-19): Uploaded FINAL ALTA, PCCD, LOE EMAIL TO BORR

Reviewer Comment (2021-02-21): PCCD and LOE provided.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302265780

No Finding

Loan Completed Without Finding

Review Complete

01/21/2021

1

1

302327047

No Finding

Loan Completed Without Finding

Review Complete

02/22/2021

1

1

302267583

19887835

02/11/2021

Property

Appraisal Reconciliation

Appraisal is required to be in name of Lender

Valuation Type: Appraisal / Valuation Report Date: xxxx

Reviewer Comment (2021-02-24): Received evidence of appraisal transfer. Seller Comment (2021-02-22): see attached

Reviewer Comment (2021-02-24): Received evidence of appraisal transfer.

Cleared

02/24/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302267583

19887844

02/11/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Statement

Reviewer Comment (2021-02-24): Received payoff reflecting current. Seller Comment (2021-02-22): see attached

Reviewer Comment (2021-02-24): Received payoff reflecting current.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274661

19552758

01/14/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-02): Hazard policy provided. Buyer Comment (2021-01-29): HOI uploaded

Reviewer Comment (2021-02-02): Hazard policy provided.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274661

19553792

01/14/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-02): Employment dates verified. Buyer Comment (2021-01-29): Income docs uploaded

Reviewer Comment (2021-02-02): Employment dates verified.

Cleared

02/02/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302274661

19585667

01/19/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx, Borrower: xxxx WVOE - Includes Income W-2 (2019)

Reviewer Comment (2021-02-02): Verification of current and prior employment provided. Buyer Comment (2021-01-29): Borrower received a K1 not a W2 for this business

Reviewer Comment (2021-02-02): Verification of current and prior employment provided.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302274661

19586340

01/19/2021

Credit

Income Documentation

Income documentation requirements not met.

Reviewer Comment (2021-02-02): Verification of current and prior employment provided. Buyer Comment (2021-01-29): VOE uploaded

Reviewer Comment (2021-02-02): Verification of current and prior employment provided.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302316146

19675207

01/26/2021

Credit

AUS Discrepancy / Guidelines Discrepancy

Guideline Requirement: PITIA reserves months discrepancy.

Calculated PITIA months reserves of 12.55 is less than Guideline PITIA months reserves of 18.00.

Reviewer Comment (2021-01-29): Verified assets meet Express guideline requirements. Buyer Comment (2021-01-27): This is a Jumbo Express.  Jumbo express guide lines are the greater of DU or the Jumbo Express Guidelines.  DU requires $11,736.42 and the borrower has 12.55 months at $73,663.01.  Jumbo express for second homes is 12 months.  Please remove this exception.

Reviewer Comment (2021-01-29): Verified assets meet Express guideline requirements.

Cleared

01/29/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286439

19394002

xxxx  3:24:37 PM

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-01-08): Disclosure provided. Buyer Comment (2021-01-06): LO Comp Dsiclosure

Reviewer Comment (2021-01-08): Disclosure provided.

Cleared

01/08/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302286439

19412082

01/04/2021

Credit

Credit Documentation

Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided

Reviewer Comment (2021-02-01): Client elected to switch loan programs to Express.   Approve/ineligible DU findings provided. Buyer Comment (2021-01-28): Uploaded LOE locked as Jumbo Express Program & AUS (DU) 24 mos housing not required, please review.

Reviewer Comment (2021-02-01): Client elected to switch loan programs to Express.   Approve/ineligible DU findings provided.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286439

19412173

01/04/2021

Credit

Credit Calculation / Analysis

Guideline Issue:  Insufficient tradelines per credit guidelines

Reviewer Comment (2021-02-01): Client elected to switch loan programs to Express.   Approve/ineligible DU findings provided. Buyer Comment (2021-01-28): Uploaded LOE changed to Jumbo Express Program and AUS (DU). Reviewer Comment (2021-01-15): An AUS based on the final loan terms was not in file. Buyer Comment (2021-01-15): 1008 reflects AUS/Ineligible Buyer Comment (2021-01-15): Lender would like the product to be switched  to express.

Reviewer Comment (2021-02-01): Client elected to switch loan programs to Express.   Approve/ineligible DU findings provided. Reviewer Comment (2021-01-15): An AUS based on the final loan terms was not in file.

Cleared

02/01/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302286439

19425731

01/05/2021

Credit

Asset Documentation

Asset documentation requirements not met.

Reviewer Comment (2021-01-15): Received the final seller CD for the sale of the departing residence.

Reviewer Comment (2021-01-15): Received the final seller CD for the sale of the departing residence.

Cleared

01/15/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369369

19860157

02/09/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx, Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-17): VOE performed prior to disbursement.   Acceptable. Seller Comment (2021-02-16): The Wk # VOE was pulled on xxxx, 1 day prior to disbursement of xxxx. This is acceptable please waive

Reviewer Comment (2021-02-17): VOE performed prior to disbursement.   Acceptable.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369369

19864214

02/09/2021

Compliance

Federal Compliance

Sole Proprietorship Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (xxxx/Schedule C)

Reviewer Comment (2021-02-17): Borrower's small reported loss as a xxxx is documented and included in DTI. Seller Comment (2021-02-16): Schedule C income is negative , please waive as negative income does not require  a business verification

Reviewer Comment (2021-02-17): Borrower's small reported loss as a xxxx is documented and included in DTI.

Cleared

02/17/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302369369

19864216

02/09/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-16): Disclosure provided. Seller Comment (2021-02-16): MLO

Reviewer Comment (2021-02-16): Disclosure provided.

Cleared

02/16/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302369369

19864219

02/09/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-23): Provided Letter of Explanation to borrower, & PCCD correcting disbursement date Seller Comment (2021-02-19): Uploaded PCCD, LOE and ALTA to evidence 01.04.2021 close date

Reviewer Comment (2021-02-23): Provided Letter of Explanation to borrower, & PCCD correcting disbursement date

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302369369

19864224

02/09/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-02-17): Borrower's small reported loss as a xxxx is documented and included in DTI. Seller Comment (2021-02-16): Business  verification not required for negative income, please waive

Reviewer Comment (2021-02-17): Borrower's small reported loss as a xxxx is documented and included in DTI.

Cleared

02/17/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302369369

19864225

02/09/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-02-17): Borrower's small reported loss as a xxxx is documented and included in DTI. Seller Comment (2021-02-16): Please waive, business income negative

Reviewer Comment (2021-02-17): Borrower's small reported loss as a xxxx is documented and included in DTI.

Cleared

02/17/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302332806

19863766

02/09/2021

Compliance

Federal Compliance

ECOA Appraisal - Appraisal Provided Prior to Date Performed

ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:Primary/xxxx)

Reviewer Comment (2021-02-21): Electronic delivery documented. Seller Comment (2021-02-19): ECOA

Reviewer Comment (2021-02-21): Electronic delivery documented.

Cleared

02/21/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302332806

19863768

02/09/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-12): Disclosure provided. Seller Comment (2021-02-12): MLO

Reviewer Comment (2021-02-12): Disclosure provided.

Cleared

02/12/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290294

19557314

01/14/2021

Credit

Insurance Analysis

Insufficient Coverage: Hazard insurance coverage amount is insufficient.

Reviewer Comment (2021-02-05): Replacement cost estimator provided. Buyer Comment (2021-02-03): RCE uploaded

Reviewer Comment (2021-02-05): Replacement cost estimator provided.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290294

19562122

01/15/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification, Tax Verification

Reviewer Comment (2021-02-05): REO verifications provided. Buyer Comment (2021-02-03): uploaded REO docs

Reviewer Comment (2021-02-05): REO verifications provided.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290294

19562770

01/15/2021

Compliance

Federal Compliance

QM Employment History - Current and/or Previous Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (xxxx)

Reviewer Comment (2021-02-05): Income documentation provided.  Minor income not used in qualification. Buyer Comment (2021-02-03): Lender Response: "The LLC is for a rental property but here is the Sec of State info showing in good standing. It only formed in 2019 so we don’t have a 2 year history but we are not using any rental income to qualify – only the PITIA"; Uploaded 3rd party doc.

Reviewer Comment (2021-02-05): Income documentation provided.  Minor income not used in qualification.

Cleared

02/05/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302290294

19562771

01/15/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail.

Reviewer Comment (2021-02-05): Income documentation provided.  Minor income not used in qualification. Buyer Comment (2021-02-03): Lender Response: "The LLC is for a rental property but here is the Sec of State info showing in good standing. It only formed in 2019 so we don’t have a 2 year history but we are not using any rental income to qualify – only the PITIA"; Uploaded 3rd party doc.

Reviewer Comment (2021-02-05): Income documentation provided.  Minor income not used in qualification.

Cleared

02/05/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302290294

19587833

01/19/2021

Compliance

Federal Compliance

Partnership Income Documentation Test

Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). (xxxx/Partnership)

Reviewer Comment (2021-02-05): Income documentation provided.  Minor income not used in qualification.

Reviewer Comment (2021-02-05): Income documentation provided.  Minor income not used in qualification.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290294

19587834

01/19/2021

Compliance

Federal Compliance

General Ability To Repay Provision Employment - Partnership Test

Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing:  Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (xxxx/Partnership)

Reviewer Comment (2021-02-05): Income documentation provided.  Minor income not used in qualification. Buyer Comment (2021-02-03): Lender Response: "The LLC is for a rental property but here is the Sec of State info showing in good standing. It only formed in 2019 so we don’t have a 2 year history but we are not using any rental income to qualify – only the PITIA"; Uploaded 3rd party doc.

Reviewer Comment (2021-02-05): Income documentation provided.  Minor income not used in qualification.

Cleared

02/05/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302290294

19587844

01/19/2021

Compliance

Federal Compliance

NonQM ATR

Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.

Reviewer Comment (2021-02-05): Income documentation provided.  Minor income not used in qualification.

Reviewer Comment (2021-02-05): Income documentation provided.  Minor income not used in qualification.

Cleared

02/05/2021

N

1

1

A

A

A

A

A

A

A

A

A

A

302304103

No Finding

Loan Completed Without Finding

Review Complete

01/23/2021

1

1

302306967

19573595

01/16/2021

Credit

Application / Processing

Missing Document: Flood Certificate not provided

Reviewer Comment (2021-02-08): Subject flood cert provided. Buyer Comment (2021-02-04): Flood cert attached

Reviewer Comment (2021-02-08): Subject flood cert provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306967

19573828

01/16/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-02-08): Insurance coverage coincides with disbursement. Buyer Comment (2021-02-04): Corrected CD attached

Reviewer Comment (2021-02-08): Insurance coverage coincides with disbursement.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306967

19659958

01/25/2021

Credit

General

Missing Document: HUD/CD (Asset) not provided

Reviewer Comment (2021-01-27): Credit supplement confirms obligation associated with this property was paid in full.

Reviewer Comment (2021-01-27): Credit supplement confirms obligation associated with this property was paid in full.

Cleared

01/27/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302306967

19660069

01/25/2021

Credit

Guideline Issue

Borrower is not currently employed.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx // Document: VVOE / Document Date: xxxx / Tax Year: <empty>

Reviewer Comment (2021-02-08): Signed correction/attestation provided. Buyer Comment (2021-02-04): Corrected VVOE

Reviewer Comment (2021-02-08): Signed correction/attestation provided.

Cleared

02/08/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318363

19850058

02/09/2021

Credit

Loan File

Missing Document: Hazard Insurance Policy not provided

Reviewer Comment (2021-02-25): Received the Hazard Insurance Policy for the subject property. Seller Comment (2021-02-24): see attached

Reviewer Comment (2021-02-25): Received the Hazard Insurance Policy for the subject property.

Cleared

02/25/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302318363

19866704

02/10/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-16): Disclosure provided. Seller Comment (2021-02-16): MLO

Reviewer Comment (2021-02-16): Disclosure provided.

Cleared

02/16/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302318363

19867015

02/10/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-09): Tax transcripts provided. Reviewer Comment (2021-02-25): As of xxxx, received duplicate tax transcripts for the co-borrower only (filing status is Single). 2019 and 2018 tax transcripts and/or 2 years signed tax returns for the borrower are required to address this exception.

Reviewer Comment (2021-03-09): Tax transcripts provided. Reviewer Comment (2021-02-25): As of xxxx, received duplicate tax transcripts for the co-borrower only (filing status is Single). 2019 and 2018 tax transcripts and/or 2 years signed tax returns for the borrower are required to address this exception.

Cleared

03/09/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302318363

19886099

02/11/2021

Compliance

Federal Compliance

Commission Tax Documentation

Qualified Mortgage (Dodd-Frank 2014): xxxx income missing two years consecutive signed tax returns or tax transcripts (xxxx/xxxx)

Reviewer Comment (2021-03-09): Tax transcripts provided. Seller Comment (2021-03-08): 2018 and 2019 tax transcripts for xxxx attached Reviewer Comment (2021-03-03): 3/3/2021:  No new documentation has been received.    Please supply the 2 years signed/dated tax returns for xxxx.  Exception remains open. Seller Comment (2021-03-01): Green signed 2019 tax return attached Seller Comment (2021-03-01): Green signed 2018 return attached Reviewer Comment (2021-02-25): As of xxxx, received duplicate tax transcripts for the co-borrower only (filing status is Single). 2019 and 2018 tax transcripts and/or 2 years signed tax returns for the borrower are required to address this exception. Seller Comment (2021-02-24): 2018 and 2019 transcripts attached Seller Comment (2021-02-24): see attached

Reviewer Comment (2021-03-09): Tax transcripts provided. Reviewer Comment (2021-03-03): 3/3/2021:  No new documentation has been received.    Please supply the 2 years signed/dated tax returns for xxxx.  Exception remains open. Reviewer Comment (2021-02-25): As of xxxx, received duplicate tax transcripts for the co-borrower only (filing status is Single). 2019 and 2018 tax transcripts and/or 2 years signed tax returns for the borrower are required to address this exception.

Cleared

03/09/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327815

19961987

02/19/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-26):xxxx:  Document has been received.  Exception has been cleared. Seller Comment (2021-02-24): MLO

Reviewer Comment (2021-02-26):xxxx:  Document has been received.  Exception has been cleared.

Cleared

02/26/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302327815

19968034

02/22/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-10): VVOE provided, signed and dated within 5 days of consummation. Seller Comment (2021-03-09): VVOE attached

Reviewer Comment (2021-03-10): VVOE provided, signed and dated within 5 days of consummation.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302327815

20004271

02/23/2021

Credit

Application / Processing

Missing Document: AUS not provided

Reviewer Comment (2021-03-10): AUS provided and associated. Seller Comment (2021-03-09): DU findings attached

Reviewer Comment (2021-03-10): AUS provided and associated.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243619

19584966

01/19/2021

Credit

Application / Processing

Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided

Reviewer Comment (2021-02-02): Transmittal summary provided. Buyer Comment (2021-01-29): 1008 uploaded

Reviewer Comment (2021-02-02): Transmittal summary provided.

Cleared

02/02/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243619

19585421

01/19/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-21): VVOE performed prior to disbursement.  Acceptable.

Reviewer Comment (2021-01-21): VVOE performed prior to disbursement.  Acceptable.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302243619

19587955

01/19/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-01-21): VVOE prior to disbursement.  Acceptable. Buyer Comment (2021-01-20): Verbal was completed prior to Disbursement xxxx. Loan is CA which is a dry state the loan isn't consumated until funding

Reviewer Comment (2021-01-21): VVOE prior to disbursement.  Acceptable.

Cleared

01/21/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302368629

No Finding

Loan Completed Without Finding

Review Complete

03/08/2021

1

1

302373596

19925952

02/16/2021

Credit

Insurance Analysis

The Hazard Insurance Policy effective date is after the Transaction Date.

Hazard Insurance Policy Effective Date xxxx, Transaction Date:  xxxx

Reviewer Comment (2021-02-23): Received closing statement reflecting a disbursement date of xxxx. Seller Comment (2021-02-22): see attached

Reviewer Comment (2021-02-23): Received closing statement reflecting a disbursement date of xxxx.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302373596

19926296

02/16/2021

Credit

Guideline Issue

Borrower has been on current job less than 2 years, and prior employment history was not documented as required.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-02-23): Received VOE's. Seller Comment (2021-02-22): see attached

Reviewer Comment (2021-02-23): Received VOE's.

Cleared

02/23/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302373596

19933714

02/17/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-18): Received disclosure. Seller Comment (2021-02-18): MLO

Reviewer Comment (2021-02-18): Received disclosure.

Cleared

02/18/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302373596

19947867

02/18/2021

Credit

Application / Processing

FNMA Transmittal Summary (FNMA Form 1008 11/92) is missing.

Reviewer Comment (2021-02-23): Provided 1008 Seller Comment (2021-02-22): see attached

Reviewer Comment (2021-02-23): Provided 1008

Cleared

02/23/2021

N

3

1

A

A

A

A

A

302387241

19961696

02/19/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-10): VVOE provided, signed and dated less than 5 days before consummation. Seller Comment (2021-03-09): VVOE xxxx attached

Reviewer Comment (2021-03-10): VVOE provided, signed and dated less than 5 days before consummation.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302387241

19961697

02/19/2021

Credit

Income Documentation

The verification of employment does not meet the guideline requirements.

Borrower: xxxx // Employment Type: Employment / Income Type: Wages / Start Date: xxxx

Reviewer Comment (2021-03-10): VVOE provided, signed and dated less than 10 days prior to closing. Seller Comment (2021-03-09): VVOE xxxx attached

Reviewer Comment (2021-03-10): VVOE provided, signed and dated less than 10 days prior to closing.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302387241

19961787

02/19/2021

Compliance

Federal Compliance

QM Employment History - Current Employment Documentation lacks Date Info

Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (xxxx)

Reviewer Comment (2021-03-10): VVOE provided, signed and dated less than 5 days prior to closing. Seller Comment (2021-03-09): xxxx VVOE attached

Reviewer Comment (2021-03-10): VVOE provided, signed and dated less than 5 days prior to closing.

Cleared

03/10/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302387241

19961797

02/19/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx Paystubs

Reviewer Comment (2021-03-10): Three paystubs provided covering 30 days. Seller Comment (2021-03-09): xxxx paystubs attached

Reviewer Comment (2021-03-10): Three paystubs provided covering 30 days.

Cleared

03/10/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303215

19874040

02/10/2021

Credit

Income Documentation

REO Documents are missing.

Address: xxxx Insurance Verification

Reviewer Comment (2021-02-24): REO insurance verification provided. Seller Comment (2021-02-24): HOI uploaded

Reviewer Comment (2021-02-24): REO insurance verification provided.

Cleared

02/24/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303215

19881498

02/11/2021

Compliance

Federal Compliance

Social Security Documentation

Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (xxxx/Social Security)

Reviewer Comment (2021-03-18): Award letter provided. Seller Comment (2021-03-17): see attached

Reviewer Comment (2021-03-18): Award letter provided.

Cleared

03/18/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303215

19881510

02/11/2021

Compliance

Federal Compliance

Check Loan Designation Match - QM

Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.

Reviewer Comment (2021-03-18): Award letter provided. Seller Comment (2021-03-17): see attached

Reviewer Comment (2021-03-18): Award letter provided.

Cleared

03/18/2021

N

3

1

B

A

C

A

C

A

B

A

B

A

302303215

19881511

02/11/2021

Compliance

Federal Compliance

TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date

Truth in Lending Act:  Subject loan transaction disbursed on xxxx, prior to three (3) business days from transaction date of xxxx.

Reviewer Comment (2021-02-24): PCCD and LOE provided to revise disbursement date. Seller Comment (2021-02-23): xxxx Disbursment evidence.

Reviewer Comment (2021-02-24): PCCD and LOE provided to revise disbursement date.

Cured

N

3

2

C

B

C

B

C

B

C

B

C

B

302303215

19887996

02/11/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-02-18): Disclosure provided. Seller Comment (2021-02-17): MLO

Reviewer Comment (2021-02-18): Disclosure provided.

Cleared

02/18/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

302303885

19915950

02/16/2021

Credit

Income Documentation

Income Docs Missing:

Borrower: xxxx W-2 Transcript (2018), W-2 Transcript (2019)

Reviewer Comment (2021-03-04): Received the 2019 and 2018 W-2 transcripts. Seller Comment (2021-03-03): Transcripts uploaded

Reviewer Comment (2021-03-04): Received the 2019 and 2018 W-2 transcripts.

Cleared

03/04/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302303885

19916023

02/16/2021

Compliance

Federal Compliance

TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing

TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $110.00 exceeds tolerance of $60.00 plus 10% or $66.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Reviewer Comment (2021-02-16): Sufficient Cure Provided At Closing

Cured

N

1

1

A

A

A

A

A

A

A

A

A

A

302307720

19568085

01/15/2021

Compliance

Federal Compliance

TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test

TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 18,008.04 on Final Closing Disclosure provided on xxxx not accurate. (Final/xxxx)

Reviewer Comment (2021-02-11): xxxx received tax calculation indicating tax rate of 1.088 was used per tax cert. Buyer Comment (2021-02-05): Uploaded revised PCCD, LOE, tax bill and tax calculator to show calculations for property taxes. Hazard ins is $2665/annual.

Reviewer Comment (2021-02-11): xxxx received tax calculation indicating tax rate of 1.088 was used per tax cert.

Cleared

02/11/2021

N

3

1

C

A

C

A

C

A

C

A

C

A

302401910

20027100

02/25/2021

Compliance

Federal Compliance

Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.

Reviewer Comment (2021-03-08): Received the lender's LO Compensation attestation. Seller Comment (2021-03-05): LO attestation letter uploaded.

Reviewer Comment (2021-03-08): Received the lender's LO Compensation attestation.

Cleared

03/08/2021

N

2

1

B

A

B

A

B

A

B

A

B

A

EX-99.4

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.4 

Customer Loan ID

Initial Loan Grade

Final Loan Grade

Initial DBRS Loan Grade

Final DBRS Loan Grade

Initial DBRS Credit Loan Grade

Final DBRS Credit Loan Grade

Initial DBRS Compliance Loan Grade

Final DBRS Compliance Loan Grade

Initial DBRS Property Loan Grade

Final DBRS Property Loan Grade

Initial Moody's Loan Grade

Final Moody's Loan Grade

Initial Moody's Credit Loan Grade

Final Moody's Credit Loan Grade

Initial Moody's Compliance Loan Grade

Final Moody's Compliance Loan Grade

Initial Moody's Property Loan Grade

Final Moody's Property Loan Grade

Initial Fitch Loan Grade

Final Fitch Loan Grade

Initial Fitch Credit Loan Grade

Final Fitch Credit Loan Grade

Initial Fitch Compliance Loan Grade

Final Fitch Compliance Loan Grade

Fitch Property Grade Initial

Final Fitch Property Loan Grade

Initial Kroll Loan Grade

Final Kroll Loan Grade

Initial Kroll Credit Loan Grade

Final Kroll Credit Loan Grade

Initial Kroll Compliance Loan Grade

Final Kroll Compliance Loan Grade

Initial Kroll Property Loan Grade

Final Kroll Property Loan Grade

Initial S&P Loan Grade

Final S&P Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Initial S&P Property Loan Grade

Final S&P Property Loan Grade

Originator QM/ATR Status

TPR QM/ATR Status

302066031

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

D

B

D

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302399994

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302272903

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302272898

3

2

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302272889

3

2

D

B

D

B

C

A

D

A

D

B

D

B

C

A

D

A

D

B

D

B

C

A

D

A

D

B

D

B

C

A

D

A

D

B

D

B

C

A

D

A

Safe Harbor QM

Safe Harbor QM

302457749

3

2

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302272873

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332622

3

1

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

Safe Harbor QM

Safe Harbor QM

302332619

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302488389

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302332591

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302332582

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302457746

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302457733

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302488388

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302457729

3

2

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302098278

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302096438

3

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302286885

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302173827

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302314971

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302248792

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302288958

3

1

D

A

C

A

B

A

D

A

D

A

C

A

B

A

D

A

D

A

C

A

B

A

D

A

D

A

C

A

B

A

D

A

D

A

C

A

B

A

D

A

Safe Harbor QM

Safe Harbor QM

302172364

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302533496

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302271655

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302228178

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316415

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302274665

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302271591

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302328826

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302356630

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302099536

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302329319

3

2

D

B

C

A

C

B

D

A

D

B

C

A

C

B

D

A

D

B

C

A

C

B

D

A

D

B

C

A

C

B

D

A

D

B

C

A

C

B

D

A

Safe Harbor QM

Safe Harbor QM

302270830

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302098974

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302098598

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302307693

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302303166

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302098277

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302147485

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302408796

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302101285

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302099559

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302393992

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302302567

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302202000

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302290297

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302269178

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302274212

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302274536

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302305719

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302278899

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302288895

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302273107

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302274634

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302285491

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302307704

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302325087

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302387156

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302325086

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302150117

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302172355

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286720

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302173932

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302173887

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302175927

3

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302185535

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302247678

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302247723

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302263948

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302263947

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302271611

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302328856

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302285322

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302327225

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305059

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302274623

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302303154

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303175

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302265808

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302320913

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302456541

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302248764

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302243261

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302320931

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302244941

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302278876

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305672

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302278887

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286870

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286700

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302184455

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302170745

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302318342

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302318106

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302336625

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302114195

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302243687

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302243686

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302290126

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302334905

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327059

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302289106

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302335488

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302277138

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302327049

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302285394

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302285467

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286444

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286953

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302324789

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302289105

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302323388

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302290278

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302303119

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327775

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302320419

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302320418

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302326566

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302330562

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302334880

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302336684

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302331386

3

1

C

A

A

A

C

A

A

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C

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A

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C

A

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C

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C

A

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C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302070947

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302096491

1

1

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302114191

3

1

A

A

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Safe Harbor QM

Safe Harbor QM

302326563

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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Safe Harbor QM

Safe Harbor QM

301835964

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

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Safe Harbor QM

Safe Harbor QM

301955100

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

301983851

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

301983850

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

301989994

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302037407

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302044445

3

1

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

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A

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A

A

A

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A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302056191

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302096018

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302066076

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302066912

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302099570

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302228138

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302273131

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302288937

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302327894

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302214493

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

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A

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A

A

A

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D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

301957784

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

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A

A

A

A

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A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

301989941

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302046411

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302329352

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

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A

A

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A

A

Safe Harbor QM

Safe Harbor QM

302228014

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

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A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302250019

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302289108

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

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A

C

A

A

A

A

A

C

A

C

A

A

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A

A

Safe Harbor QM

Safe Harbor QM

302288847

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302304035

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

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C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302316151

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302332753

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302318103

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

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C

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A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302128580

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

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B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302039141

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302214506

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

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A

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A

A

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B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302273118

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302305700

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

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A

A

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C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

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Safe Harbor QM

Safe Harbor QM

302132312

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302098977

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302114193

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

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A

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A

A

A

A

A

A

A

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A

Safe Harbor QM

Safe Harbor QM

302273047

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

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C

A

A

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C

A

A

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C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302278305

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302281217

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

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A

A

A

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C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302098881

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

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B

C

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B

A

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C

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C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302029620

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

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A

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B

A

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A

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A

A

C

B

A

A

C

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A

Safe Harbor QM

Safe Harbor QM

302370972

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302147530

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

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Safe Harbor QM

Safe Harbor QM

302065335

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302070195

3

2

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302266958

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

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Safe Harbor QM

Safe Harbor QM

302096485

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

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B

A

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B

A

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B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302114082

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

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A

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A

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A

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C

A

C

A

A

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Safe Harbor QM

Safe Harbor QM

302356752

3

2

C

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C

A

C

B

A

A

C

B

C

A

C

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A

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A

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C

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Safe Harbor QM

Safe Harbor QM

302323356

3

1

C

A

A

A

C

A

A

A

C

A

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A

C

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A

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A

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C

A

A

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C

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A

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Safe Harbor QM

Safe Harbor QM

302269220

3

2

C

B

C

A

C

B

A

A

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C

A

C

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Safe Harbor QM

Safe Harbor QM

302173936

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302180847

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302336677

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302318108

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286703

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302289121

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302303895

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302285459

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303198

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302288893

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303894

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305670

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305500

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302356643

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372108

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302274606

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302303201

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302172644

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302263963

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302116099

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302112519

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302172087

3

1

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Safe Harbor QM

Safe Harbor QM

302147207

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302244538

3

1

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

Safe Harbor QM

Safe Harbor QM

302173835

3

1

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302243245

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305782

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302268700

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302173919

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302134290

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302130079

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302137132

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302244537

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302172351

3

2

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302305547

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302260935

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303230

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302330690

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302320431

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302173377

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302130078

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302227990

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302228099

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302184697

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302290239

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302226829

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302271660

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302227989

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302214491

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302269308

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302273020

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302318370

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302304018

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316233

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302316108

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302371871

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302320988

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302320918

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303224

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302369375

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302244968

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302314951

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302289115

3

1

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302394096

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

301916830

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302400766

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307776

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372027

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302268725

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302271798

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302401962

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302273097

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302327920

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302034831

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302409411

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

301984550

3

2

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302403267

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302337240

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302290291

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302314652

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302026383

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302387239

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

301988553

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302029673

3

1

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302367034

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302029423

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302400981

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302318116

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302034272

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302335634

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302365608

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302070368

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302403228

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302248767

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302388202

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302330679

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302259687

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332780

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302388852

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302356779

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302371973

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302412224

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302173131

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302112535

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302338244

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302356719

3

2

C

B

C

B

A

A

A

A

B

B

B

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302128338

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302130101

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302132591

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

301983859

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302337336

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302148583

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302250045

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

D

B

D

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302326623

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302263954

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302326601

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302265701

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302336634

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316243

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302394075

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302460726

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305769

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302331380

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302371063

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302371934

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302259739

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302288795

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302269185

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303139

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302403137

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302325138

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302307763

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302286865

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307762

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302264886

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302462924

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302250043

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302265655

3

2

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Safe Harbor QM

Safe Harbor QM

302273035

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302258404

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302265900

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302264591

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302302565

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302250503

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302286931

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302259736

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302290229

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302274646

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302264869

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302260909

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302264574

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302281166

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302272979

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302370917

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302272965

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302410507

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302265854

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302273093

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302265884

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302392765

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302268734

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302267488

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302269204

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302270820

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316443

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302263952

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302269554

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302285439

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302271700

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302301628

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302274645

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302271784

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302274529

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302273031

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302335484

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302272976

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302276573

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302273134

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302273133

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302273090

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302276572

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302277043

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302274642

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302278486

3

1

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Safe Harbor QM

Safe Harbor QM

302305750

2

1

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286946

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302356463

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302329297

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302408165

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302288793

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302323339

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302285434

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286926

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302330593

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286859

2

1

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302289125

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302325077

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286856

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302286921

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302304057

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305747

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302406279

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302403848

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303247

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302288904

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302288952

3

2

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302408225

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302290267

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302393991

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303752

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303244

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307759

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303179

3

2

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Safe Harbor QM

Safe Harbor QM

302303134

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303158

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302304095

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305732

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303243

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302314340

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303760

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302304053

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302304077

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307066

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302304075

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305765

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302304089

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302323420

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302321635

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305764

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302305743

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302305762

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307708

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307063

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302316241

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307753

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302323419

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307772

3

2

C

B

C

B

C

B

A

A

C

B

B

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302320962

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302318350

2

2

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Safe Harbor QM

Safe Harbor QM

302323367

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302320961

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302315939

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302315938

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316409

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302318348

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316436

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316111

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302408791

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302326621

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302318095

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302318347

3

2

C

B

A

A

C

B

B

B

C

B

A

A

C

B

B

B

C

B

A

A

C

B

B

B

C

B

A

A

C

B

B

B

C

B

A

A

C

B

B

B

Safe Harbor QM

Safe Harbor QM

302316109

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316239

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316404

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302316435

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316434

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302321621

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302325312

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302331379

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302318345

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302318380

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302318093

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302338272

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302320981

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302318344

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302320903

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302323336

3

1

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302318400

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302319587

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302325310

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302320436

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302409344

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327795

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302320978

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302320955

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302321625

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302321649

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302325279

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302321648

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302321639

3

2

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Safe Harbor QM

Safe Harbor QM

302321637

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302323400

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302326595

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302327823

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302323266

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302336584

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302323399

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302326592

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302325277

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302323363

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302323415

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302327901

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302325274

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302325071

3

2

D

B

A

A

C

A

D

B

D

B

A

A

C

A

D

B

D

B

A

A

C

A

D

B

D

B

A

A

C

A

D

B

D

B

A

A

C

A

D

B

Safe Harbor QM

Safe Harbor QM

302325273

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302326616

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302326585

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302326584

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327860

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302327786

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327210

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332820

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302327857

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327898

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302329306

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327856

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302329294

3

2

C

B

C

B

C

A

A

A

C

B

B

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302329305

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302330678

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302329292

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302329388

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302330589

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302331113

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302335500

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332708

2

2

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Safe Harbor QM

Safe Harbor QM

302331112

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338137

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302373590

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302331371

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302332684

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332736

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302367061

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302332706

3

1

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Safe Harbor QM

Safe Harbor QM

302332771

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332735

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302387170

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338136

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372194

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302337334

3

2

C

B

C

B

A

A

A

A

B

B

B

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332703

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332680

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332767

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302371027

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332765

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332734

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332764

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332763

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302356625

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302335481

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302337330

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302388330

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302335480

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302337265

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302337296

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302335625

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302369383

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302335649

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302336603

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338269

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302337327

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302394074

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302337264

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338240

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302337293

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302370945

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338238

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338265

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338235

2

2

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Safe Harbor QM

Safe Harbor QM

302356460

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302356459

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338234

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302338232

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302338230

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302365586

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302356710

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302371060

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332768

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302365580

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372411

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302369352

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372336

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372092

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302371057

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302371052

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302373586

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302372382

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302388844

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302388876

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302391362

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302391303

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302392708

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302393973

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302398753

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302391418

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302394071

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302392736

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302392734

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302393971

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302409387

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302394694

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302400054

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302401352

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302401971

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302407340

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302408086

3

2

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Safe Harbor QM

Safe Harbor QM

302408736

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302184694

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302278911

1

1

A

A

A

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A

A

A

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A

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A

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Safe Harbor QM

Safe Harbor QM

302325064

1

1

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

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A

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A

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Safe Harbor QM

Safe Harbor QM

302334906

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302274668

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302423519

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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Safe Harbor QM

Safe Harbor QM

302396605

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302408228

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302278907

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302288897

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302331175

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302332752

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302410499

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302412219

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302288124

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327913

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302372927

3

2

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302248419

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302263969

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302275386

3

1

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Safe Harbor QM

Safe Harbor QM

302278996

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302315007

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302278995

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302280899

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286688

3

1

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Safe Harbor QM

Safe Harbor QM

302286687

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302288119

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302290324

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302290323

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302290319

3

2

C

B

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

C

B

B

A

A

A

C

B

C

B

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302315004

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302303905

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302305800

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302306392

3

1

D

A

A

A

C

A

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

D

A

Safe Harbor QM

Safe Harbor QM

302315001

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302314998

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302314996

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302316429

3

1

D

A

A

A

C

A

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

D

A

Safe Harbor QM

Safe Harbor QM

302326606

3

1

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Safe Harbor QM

Safe Harbor QM

302327084

3

2

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302338177

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302372063

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372058

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372916

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302173081

3

1

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Safe Harbor QM

Safe Harbor QM

302132382

3

2

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302304044

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307729

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302276549

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302337282

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302265804

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302278960

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302244976

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302273073

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302286886

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302394061

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302264835

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302338018

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302304104

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302067248

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302174057

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302304125

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302101286

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302214485

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302248756

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302267548

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302274605

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302290253

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302214484

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302273099

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302276548

3

1

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302305676

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302278955

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302307056

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302317912

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302391396

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302392497

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302372350

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302395314

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

301990041

3

2

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302247673

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302338103

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302114179

3

2

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302265871

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302332731

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302259759

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302369105

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302285505

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302172547

3

2

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302150301

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302394687

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302137128

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302112602

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302147496

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302401382

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302137253

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302327095

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302273056

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302369329

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302290216

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302338132

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302336653

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302470351

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302457713

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302457712

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302461617

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302411643

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302339282

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302096481

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302317911

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302046212

3

2

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302388308

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302405814

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302393540

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302388292

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302393532

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302405765

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302393518

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302388243

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302405671

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302339345

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302250483

3

2

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302317910

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302094957

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302304060

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302407998

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302371038

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316426

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302267589

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302302569

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302327069

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302368603

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372053

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302392768

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302388438

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372205

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302280918

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302290129

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302278979

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302317890

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302303765

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305495

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302320430

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302356742

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302320429

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302304071

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303156

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302285420

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302277159

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302289038

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302278923

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302327780

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302314350

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302329380

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302323304

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302288821

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302289132

3

2

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302288902

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316420

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302330598

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302304015

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327853

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302356457

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302401914

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302334909

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302317889

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302330689

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302325333

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302372345

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302329394

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302331341

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302356447

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302278930

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302356730

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302335640

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302265810

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302286905

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302336688

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302273125

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302278921

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302327851

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302321619

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302129899

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302288804

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302369398

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302391400

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302133920

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302172086

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302302568

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302114236

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302370922

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316141

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302336549

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302336623

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302304126

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302412369

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302372052

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302315904

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302176129

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302393556

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302288801

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302389940

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302369399

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338161

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302401307

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302390085

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302324788

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302317297

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302370953

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302392495

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302274675

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302147204

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302250023

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302176039

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302170971

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302170970

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302316232

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302265809

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302303206

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302249986

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327778

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302304111

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302128029

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302269199

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302214443

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302248781

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302270498

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302269305

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302259702

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302320966

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302390108

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302173339

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302405852

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302301582

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302134286

3

2

D

B

C

B

C

A

D

A

D

B

C

B

C

A

D

A

D

B

C

B

C

A

D

A

D

B

C

B

C

A

D

A

D

B

C

B

C

A

D

A

Safe Harbor QM

Safe Harbor QM

302325155

3

2

D

B

B

B

A

A

D

A

D

B

B

B

A

A

D

A

D

B

B

B

A

A

D

A

D

B

B

B

A

A

D

A

D

B

B

B

A

A

D

A

Safe Harbor QM

Safe Harbor QM

302426775

3

1

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

Safe Harbor QM

Safe Harbor QM

302045764

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302147452

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302066018

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302271633

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302113959

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302270473

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302138579

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302277083

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302243597

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302130584

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302247662

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302147198

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302271632

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302305680

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302229072

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302265847

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302277081

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302265711

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302278917

3

2

D

B

C

A

C

B

D

A

D

B

C

A

C

B

D

A

D

B

C

A

C

B

D

A

D

B

C

A

C

B

D

A

D

B

C

A

C

B

D

A

Safe Harbor QM

Safe Harbor QM

302243723

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302486045

3

2

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302338197

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302426770

3

1

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

D

A

C

A

C

A

D

A

Safe Harbor QM

Safe Harbor QM

302426769

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302214431

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302244496

3

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302314952

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302276556

3

2

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302286454

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307742

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302314332

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305543

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302329356

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302426765

3

2

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302390089

3

2

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302486035

3

1

D

A

C

A

D

A

C

A

D

A

C

A

D

A

C

A

D

A

C

A

D

A

C

A

D

A

C

A

D

A

C

A

D

A

C

A

D

A

C

A

Safe Harbor QM

Safe Harbor QM

302327208

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338020

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302327819

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302331319

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302500695

3

2

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302486030

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302278054

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302150098

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302260929

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302243721

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302171325

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302172348

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302264617

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302243691

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302243786

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302277038

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302369373

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307739

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302137061

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302323376

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302406284

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302410408

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372909

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302325084

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302391311

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302325343

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302259762

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302034690

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302035375

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302394372

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332675

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286848

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302260961

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302277044

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302288834

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302259403

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302470888

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302265832

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302265912

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302271799

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302306332

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302395298

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302315047

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302288923

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302392753

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302306985

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302316143

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302316468

3

1

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302394698

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302320922

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302321646

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302372425

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302323424

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302325341

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

Safe Harbor QM

Safe Harbor QM

302326626

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302332824

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302332732

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302337320

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302335584

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338281

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338173

2

2

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Safe Harbor QM

Safe Harbor QM

302336661

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302371100

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

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C

B

A

A

C

B

A

A

C

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A

A

Safe Harbor QM

Safe Harbor QM

302370918

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

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Safe Harbor QM

Safe Harbor QM

302400032

1

1

A

A

A

A

A

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A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302404397

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302500682

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302500680

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

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C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302270838

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302412232

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302398110

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302133916

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302226660

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302288812

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302286894

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302288811

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302288930

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302290234

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302387225

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302323375

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302290127

3

2

D

B

A

A

C

B

D

A

D

B

A

A

C

B

D

A

D

B

A

A

C

B

D

A

D

B

A

A

C

B

D

A

D

B

A

A

C

B

D

A

Safe Harbor QM

Safe Harbor QM

302290211

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302290233

3

2

D

B

A

A

C

B

D

A

D

B

A

A

C

B

D

A

D

B

A

A

C

B

D

A

D

B

A

A

C

B

D

A

D

B

A

A

C

B

D

A

Safe Harbor QM

Safe Harbor QM

302290307

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302290281

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302290304

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302288927

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302305740

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302303204

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302306977

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302304067

3

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302320912

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302305703

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305701

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302314935

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302306401

3

2

D

B

A

A

C

B

D

A

D

B

A

A

C

B

D

A

D

B

A

A

C

B

D

A

D

B

A

A

C

B

D

A

D

B

A

A

C

B

D

A

Safe Harbor QM

Safe Harbor QM

302314347

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302307697

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302314790

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302314346

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302314657

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302314949

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302329350

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302316127

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302316460

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302317886

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302326568

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302336610

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332677

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302410464

3

1

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

Safe Harbor QM

Safe Harbor QM

302371068

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302129930

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302423681

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303705

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302331173

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372424

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302260948

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302259731

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302326580

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302394078

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302326652

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302338276

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302278912

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302228013

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302228060

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302404318

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302329346

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302473857

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302288864

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302405876

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302248360

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302336590

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302320928

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302337234

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302330682

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302327213

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302338113

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302136653

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302285400

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302479432

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302480094

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481931

3

1

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302479429

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481928

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302480092

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302479426

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302486593

3

2

C

B

C

B

A

A

A

A

B

B

B

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302486592

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302479421

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302486588

3

2

C

B

C

B

A

A

A

A

B

B

B

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302480087

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481923

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302479418

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302486586

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302486585

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302479417

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302479416

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302481918

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302480084

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302480083

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481917

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481915

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481914

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481911

2

1

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481910

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481909

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481908

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302479410

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302479409

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302479408

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481904

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481903

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302480079

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302480078

2

1

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481902

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302480076

2

2

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481900

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302479403

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481898

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302479401

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302486582

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481896

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481895

3

2

C

B

B

A

C

B

A

A

C

B

B

A

C

B

A

A

C

B

B

A

C

B

A

A

C

B

B

A

C

B

A

A

C

B

B

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302479398

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481889

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

A

A

A

A

A

A

A

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A

A

Safe Harbor QM

Safe Harbor QM

302479397

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481887

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302479396

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481886

3

2

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302480072

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302481884

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302481881

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302486580

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302408118

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302173947

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302306405

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302396722

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302267480

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338022

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302098827

3

2

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302132550

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302264844

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302404396

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302400973

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302404399

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302304024

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302335588

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302329344

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302336660

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302272985

3

1

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

Safe Harbor QM

Safe Harbor QM

302338245

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305710

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302096033

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302172543

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302332829

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302066050

3

2

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302408776

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302271730

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302410400

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286914

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

301367733

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302137058

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302305699

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302227983

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302226659

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302401335

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302226834

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302326629

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302271639

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302392740

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302263940

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316470

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303887

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302130080

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305063

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302250450

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302321651

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302273144

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302388882

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327867

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302327788

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286912

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302259752

3

2

D

B

C

A

C

B

D

A

D

B

C

A

C

B

D

A

D

B

C

A

C

B

D

A

D

B

C

A

C

B

D

A

D

B

C

A

C

B

D

A

Safe Harbor QM

Safe Harbor QM

302271656

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302473114

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302338123

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302398116

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302412293

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302269508

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302271714

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302285344

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338110

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302315945

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302372202

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302288942

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332629

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302391310

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302339307

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302392711

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302405858

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302305783

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302404320

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302410399

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302337271

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302404426

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302369100

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302401375

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302336619

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302336588

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302372436

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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Safe Harbor QM

Safe Harbor QM

302398763

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332743

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302329398

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302372377

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

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A

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A

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Safe Harbor QM

Safe Harbor QM

302371048

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302290311

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302372376

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

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A

A

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A

A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302365576

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

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A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302371047

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

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A

A

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A

A

A

A

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A

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A

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Safe Harbor QM

Safe Harbor QM

302393405

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302365575

3

1

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

D

A

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D

A

A

A

D

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C

A

D

A

A

A

D

A

C

A

D

A

A

A

Safe Harbor QM

Safe Harbor QM

302323320

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302408126

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302387234

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302409392

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302391410

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302303262

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303261

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302304020

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

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Safe Harbor QM

Safe Harbor QM

302319570

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

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A

A

A

A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

301595558

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302365574

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302319569

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

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C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302409367

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

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A

A

Safe Harbor QM

Safe Harbor QM

302400059

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

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B

A

A

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B

A

A

C

B

A

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B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302372400

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302372399

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302335613

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302372398

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302228019

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302319601

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302332628

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303228

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302271773

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302286875

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302202004

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302318089

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302288965

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302305735

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302305756

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327078

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302280931

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302130086

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302243712

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302173865

3

1

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Safe Harbor QM

Safe Harbor QM

302307738

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302304047

3

1

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Safe Harbor QM

Safe Harbor QM

302367067

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302264846

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302330596

3

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302327835

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302244535

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302269287

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302065380

3

2

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302183935

3

1

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

Safe Harbor QM

Safe Harbor QM

302332792

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302214441

3

2

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302114061

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302316125

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302116139

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302174098

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302173069

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302150283

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302228059

3

2

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

Safe Harbor QM

Safe Harbor QM

302273100

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302315921

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302320910

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307057

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302226824

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302369423

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302264614

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302401303

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302332846

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302325282

3

2

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302316475

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302325085

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302329332

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302369406

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302410379

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302372908

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

301599880

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302369447

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

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C

A

C

B

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A

A

Safe Harbor QM

Safe Harbor QM

302056530

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

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C

A

A

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A

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C

A

C

A

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A

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Safe Harbor QM

Safe Harbor QM

302327841

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

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A

A

A

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B

A

A

A

A

C

B

C

B

A

A

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Safe Harbor QM

Safe Harbor QM

302329391

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

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A

A

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A

A

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Safe Harbor QM

Safe Harbor QM

302306333

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

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B

A

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A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302317306

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

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B

A

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B

A

A

C

B

A

A

C

B

A

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Safe Harbor QM

Safe Harbor QM

302265829

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

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C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302274216

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

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C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302285493

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

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A

C

B

A

A

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B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302408141

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302304116

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

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C

A

A

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C

A

A

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C

A

A

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C

A

A

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Safe Harbor QM

Safe Harbor QM

302370958

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

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A

A

A

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A

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A

A

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Safe Harbor QM

Safe Harbor QM

302338228

3

2

C

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C

A

C

B

A

A

C

B

C

A

C

B

A

A

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A

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B

A

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C

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C

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A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302272990

3

1

C

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C

A

C

A

A

A

C

A

C

A

C

A

A

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A

A

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A

C

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C

A

A

A

C

A

C

A

C

A

A

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Safe Harbor QM

Safe Harbor QM

302409328

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

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A

C

A

A

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C

A

C

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C

A

A

A

C

A

C

A

C

A

A

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Safe Harbor QM

Safe Harbor QM

302372099

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

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A

A

A

A

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A

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A

A

A

A

C

A

C

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302337303

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

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A

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A

A

A

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A

A

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C

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Safe Harbor QM

Safe Harbor QM

302404417

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302368615

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

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B

A

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B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302093025

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

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A

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A

A

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A

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C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302093055

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

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A

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A

A

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A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327879

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

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A

A

A

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A

A

A

A

C

A

C

A

A

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A

Safe Harbor QM

Safe Harbor QM

302337267

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

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C

A

A

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A

A

A

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A

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A

A

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C

A

A

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C

A

A

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Safe Harbor QM

Safe Harbor QM

302388491

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

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Safe Harbor QM

Safe Harbor QM

302093020

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

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A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302139511

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

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A

A

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A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302173856

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

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B

A

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B

A

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B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302174126

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

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B

C

A

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B

A

A

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C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302228170

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302326645

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302280925

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302315027

3

2

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

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B

A

A

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B

D

A

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B

A

A

D

B

D

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302327220

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302327878

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

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B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302372175

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

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B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302425349

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302067756

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

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B

A

A

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B

A

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B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302267633

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

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B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302373273

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

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C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302096021

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

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C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302408136

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

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C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302266929

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

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B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302406264

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

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A

A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302073488

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

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A

C

A

A

A

A

A

C

A

C

A

A

A

A

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Safe Harbor QM

Safe Harbor QM

302307712

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302171003

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

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A

A

A

C

A

C

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B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302229078

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

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A

A

A

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B

A

A

A

A

C

B

C

B

A

A

A

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Safe Harbor QM

Safe Harbor QM

302267608

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

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A

C

B

A

A

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C

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C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302331404

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

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B

A

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B

A

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A

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B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302168819

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

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A

A

A

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B

A

A

A

A

C

B

C

B

A

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A

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Safe Harbor QM

Safe Harbor QM

302243247

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

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A

C

A

C

A

A

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C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302276617

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

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A

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B

A

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C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302288951

3

1

C

A

C

A

A

A

A

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C

A

C

A

A

A

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A

A

A

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A

A

A

A

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C

A

C

A

A

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Safe Harbor QM

Safe Harbor QM

302356641

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

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C

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A

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A

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C

A

A

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C

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Safe Harbor QM

Safe Harbor QM

302400069

1

1

A

A

A

A

A

A

A

A

A

A

A

A

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A

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A

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A

A

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Safe Harbor QM

Safe Harbor QM

302410476

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

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C

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C

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A

A

A

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C

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C

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C

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Safe Harbor QM

Safe Harbor QM

302305497

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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Safe Harbor QM

Safe Harbor QM

302332759

1

1

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302369095

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302335636

3

1

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302336658

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302305794

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302406232

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338280

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302305793

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302325379

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302326642

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302356441

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302400970

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302331402

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302335595

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302367042

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302410544

3

2

D

B

D

A

C

B

D

A

D

B

D

A

C

B

D

A

D

B

D

A

C

B

D

A

D

B

D

A

C

B

D

A

D

B

D

A

C

B

D

A

Safe Harbor QM

Safe Harbor QM

302388896

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302289118

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302267606

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302370956

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302248815

3

2

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

D

B

D

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302332758

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302316425

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302407990

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302391404

3

1

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Safe Harbor QM

Safe Harbor QM

302276606

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332839

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302391370

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302274519

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302285335

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302171338

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302338157

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302316472

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302368634

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302281207

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302273142

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302176108

3

2

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302278982

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302401359

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302372402

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302331398

3

2

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302370955

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302367041

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302406376

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302277034

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302285330

3

2

C

B

B

A

C

B

A

A

C

B

B

A

C

B

A

A

C

B

B

A

C

B

A

A

C

B

B

A

C

B

A

A

C

B

B

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302316137

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302274681

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302278091

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302277088

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302372428

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

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Safe Harbor QM

Safe Harbor QM

302329316

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338204

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302336640

3

2

D

B

D

A

C

B

D

A

D

B

D

A

C

B

D

A

D

B

D

A

C

B

D

A

D

B

D

A

C

B

D

A

D

B

D

A

C

B

D

A

Safe Harbor QM

Safe Harbor QM

302098621

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302336683

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

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A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302260957

3

2

C

B

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

C

B

B

B

A

A

C

B

C

B

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302303759

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

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B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302096050

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302226648

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302137090

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302243737

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302268738

3

2

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302250451

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302304085

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307074

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302320447

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302317906

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302331329

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302323344

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302331328

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302335617

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302147642

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302412300

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302213580

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302314662

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302278916

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302243689

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302265821

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302305725

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302265709

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302270831

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302271597

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302260972

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302273051

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302323352

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302273050

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302288813

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302328831

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302175990

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302172626

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302273074

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302285470

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302316149

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302286956

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302226825

3

1

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Safe Harbor QM

Safe Harbor QM

302271594

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302372045

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302391380

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302425370

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302373282

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302332845

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302391379

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302398118

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302423546

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302400041

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302369404

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302367027

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302409363

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302413526

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302391323

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302338209

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302372945

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302394056

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302371042

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302404366

3

1

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

D

A

D

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302393965

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302332843

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302365604

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302371041

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302371040

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302370970

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302459192

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302365602

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

301631107

3

1

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

Safe Harbor QM

Safe Harbor QM

302356450

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302370968

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302388319

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302370940

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302371074

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302391378

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302387159

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302387231

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302338086

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302400029

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302096359

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302096295

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302116003

3

2

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

C

B

C

B

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302277145

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302277144

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302286451

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286964

3

2

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

C

B

C

A

B

B

A

A

Safe Harbor QM

Safe Harbor QM

302278914

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302286448

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302338126

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302470342

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302278908

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302303169

3

1

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

C

A

A

A

C

A

B

A

Safe Harbor QM

Safe Harbor QM

302423521

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302411630

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302407324

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302423520

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302411641

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286457

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302147495

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302096283

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302099457

2

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302173135

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302260930

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302316129

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302250021

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302271768

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327065

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302269304

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302286966

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302367070

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302318367

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302335586

3

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302290298

3

1

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Safe Harbor QM

Safe Harbor QM

302392698

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302243226

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302318087

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302265783

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302270494

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302268716

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302244532

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302274663

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302175918

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302319596

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327827

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302278953

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302332720

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302365595

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302248410

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302332785

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302029652

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302271751

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302270829

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302096029

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302265816

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302327797

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302277128

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302248790

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302214056

3

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302307723

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302305537

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302269518

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302247659

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302227978

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302228174

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302228173

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302260923

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Temporary SHQM (GSE/Agency Eligible)

Temporary SHQM (GSE/Agency Eligible)

302271748

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302279019

3

2

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302265780

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302327047

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302267583

3

1

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

Safe Harbor QM

Safe Harbor QM

302274661

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302316146

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302286439

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302369369

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302332806

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302290294

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302304103

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302306967

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302318363

3

1

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302327815

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302243619

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302368629

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302373596

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302387241

3

1

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

C

A

C

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

302303215

3

2

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

C

B

C

A

C

B

A

A

Safe Harbor QM

Safe Harbor QM

302303885

3

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

Safe Harbor QM

Safe Harbor QM

302307720

3

1

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

C

A

A

A

Safe Harbor QM

Safe Harbor QM

302401910

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

Safe Harbor QM

Safe Harbor QM

EX-99.5

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.5

LOAN INFORMATION

ORIGINATION VALUES

AVM VALUES

DESK REVIEW VALUES

BPO VALUES

FIELD REVIEW VALUES

2055 VALUES

UPDATED VALUES

JPM Loan ID

Original Loan Amount

Sales Price

Appraised Value

Value for LTV

Appraisal Date

Second Appraisal Value

Variance Amount

Variance Percent

Second Appraisal Date

Second Appraisal Type

Appraised Value

Variance Amount

Variance Percent

Company

Confidence Score

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Risk Score

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Collateral Underwriter Risk Score

302066031

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302399994

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302272903

xxxx

xxxx

xxxx

xxxx

2.00

302272898

xxxx

xxxx

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302272889

xxxx

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2.00

302457749

xxxx

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2.20

302272873

xxxx

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2.10

302332622

xxxx

xxxx

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xxxx

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xxxx

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3.90

302332619

xxxx

xxxx

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xxxx

xxxx

xxxx

xxxx

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xxxx

xxxx

xxxx

xxxx

302488389

xxxx

xxxx

xxxx

xxxx

2.00

302332591

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-9.09%

xxxx

xxxx

xxxx

xxxx

-9.091%

xxxx

xxxx

xxxx

1.00

302332582

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.35%

xxxx

xxxx

xxxx

xxxx

xxxx

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4.90

302457746

xxxx

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xxxx

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xxxx

xxxx

xxxx

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302457733

xxxx

xxxx

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302488388

xxxx

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3.20

302457729

xxxx

xxxx

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302098278

xxxx

xxxx

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1.00

302096438

xxxx

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2.00

302286885

xxxx

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1.00

302173827

xxxx

xxxx

xxxx

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xxxx

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xxxx

xxxx

xxxx

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2.30

302314971

xxxx

xxxx

xxxx

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2.80

302248792

xxxx

xxxx

xxxx

xxxx

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xxxx

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2.10

302288958

xxxx

xxxx

xxxx

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4.00

302172364

xxxx

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2.10

302533496

xxxx

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1.10

302271655

xxxx

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1.40

302228178

xxxx

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2.00

302316415

xxxx

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1.00

302274665

xxxx

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1.00

302271591

xxxx

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4.20

302328826

xxxx

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2.00

302356630

xxxx

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3.30

302099536

xxxx

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5.00

302329319

xxxx

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3.30

302270830

xxxx

xxxx

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2.30

302098974

xxxx

xxxx

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2.00

302098598

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

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2.60

302307693

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.10

302303166

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.76%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302098277

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

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1.00

302147485

xxxx

xxxx

xxxx

xxxx

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xxxx

xxxx

xxxx

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xxxx

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3.00

302408796

xxxx

xxxx

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xxxx

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xxxx

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xxxx

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2.40

302101285

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

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xxxx

xxxx

xxxx

1.00

302099559

xxxx

xxxx

xxxx

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2.00

302393992

xxxx

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1.40

302302567

xxxx

xxxx

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1.00

302202000

xxxx

xxxx

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xxxx

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4.00

302290297

xxxx

xxxx

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2.00

302269178

xxxx

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4.20

302274212

xxxx

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xxxx

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2.10

302274536

xxxx

xxxx

xxxx

xxxx

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xxxx

xxxx

xxxx

xxxx

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2.00

302305719

xxxx

xxxx

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1.00

302278899

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

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1.00

302288895

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302273107

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302274634

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.64%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302285491

xxxx

xxxx

xxxx

xxxx

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xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.30

302307704

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302325087

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302387156

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-5.71%

xxxx

xxxx

xxxx

xxxx

-5.714%

xxxx

xxxx

xxxx

1.00

302325086

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.90

302150117

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302172355

xxxx

xxxx

xxxx

xxxx

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xxxx

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xxxx

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1.30

302286720

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

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1.00

302173932

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.80

302173887

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

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3.00

302175927

xxxx

xxxx

xxxx

xxxx

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xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302185535

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.10

302247678

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302247723

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302263948

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302263947

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302271611

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302328856

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302285322

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302327225

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302305059

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302274623

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302303154

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302303175

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.80

302265808

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302320913

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302456541

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302248764

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302243261

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302320931

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302244941

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302278876

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.90

302305672

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302278887

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302286870

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302286700

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302184455

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302170745

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

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xxxx

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xxxx

302318342

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302318106

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302336625

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302114195

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302243687

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302243686

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302290126

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302334905

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302327059

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.60

302289106

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302335488

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302277138

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302327049

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302285394

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302285467

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302286444

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302286953

xxxx

xxxx

xxxx

xxxx

2.20

302324789

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302289105

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302323388

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302290278

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.70

302303119

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302327775

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302320419

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302320418

xxxx

xxxx

xxxx

xxxx

xxxx

1.90

302326566

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302330562

xxxx

xxxx

xxxx

xxxx

2.00

302334880

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302336684

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302331386

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302070947

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302096491

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302114191

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302326563

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

301835964

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

301955100

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

301983851

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

301983850

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

301989994

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302037407

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.70

302044445

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302056191

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.90

302096018

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302066076

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302066912

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302099570

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302228138

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302273131

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302288937

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302327894

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302214493

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

301957784

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

301989941

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302046411

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302329352

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302228014

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302250019

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302289108

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302288847

xxxx

xxxx

xxxx

xxxx

2.00

302304035

xxxx

xxxx

xxxx

xxxx

1.00

302316151

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302332753

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302318103

xxxx

xxxx

xxxx

xxxx

1.50

302128580

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302039141

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302214506

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302273118

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302305700

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302132312

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.90

302098977

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302114193

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.23%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302273047

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302278305

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302281217

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302098881

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302029620

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302370972

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302147530

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302065335

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302070195

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302266958

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302096485

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302114082

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-6.06%

xxxx

xxxx

xxxx

xxxx

-6.061%

xxxx

xxxx

xxxx

1.50

302356752

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302323356

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302269220

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-8.33%

xxxx

xxxx

xxxx

xxxx

-8.333%

xxxx

xxxx

xxxx

1.70

302173936

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302180847

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302336677

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302318108

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302286703

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302289121

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302303895

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302285459

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302303198

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.90

302288893

xxxx

xxxx

xxxx

xxxx

2.10

302303894

xxxx

xxxx

xxxx

xxxx

2.00

302305670

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302305500

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302356643

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.60

302372108

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302274606

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302303201

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.70

302172644

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302263963

xxxx

xxxx

xxxx

xxxx

1.00

302116099

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302112519

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302172087

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302147207

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302244538

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.20

302173835

xxxx

xxxx

xxxx

xxxx

2.30

302243245

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302305782

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302268700

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302173919

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302134290

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302130079

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302137132

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.10

302244537

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302172351

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302305547

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.10

302260935

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302303230

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302330690

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302320431

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.09%

xxxx

xxxx

xxxx

xxxx

3.093%

xxxx

xxxx

xxxx

1.00

302173377

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.08%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302130078

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302227990

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302228099

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302184697

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302290239

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302226829

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302271660

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302227989

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

11.11%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302214491

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302269308

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302273020

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302318370

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302304018

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302316233

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302316108

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302371871

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302320988

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302320918

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302303224

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302369375

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302244968

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302314951

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302289115

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302394096

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

301916830

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302400766

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302307776

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.03%

xxxx

xxxx

xxxx

xxxx

0.580%

xxxx

xxxx

xxxx

xxxx

xxxx

2.029%

xxxx

xxxx

302372027

xxxx

xxxx

xxxx

xxxx

1.20

302268725

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302271798

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302401962

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302273097

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302327920

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302034831

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.90

302409411

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

301984550

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302403267

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302337240

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302290291

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302314652

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302026383

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302387239

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

301988553

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302029673

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

19.05%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302367034

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302029423

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302400981

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302318116

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302034272

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302335634

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302365608

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302070368

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302403228

xxxx

xxxx

xxxx

xxxx

2.20

302248767

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

44.44%

xxxx

xxxx

xxxx

xxxx

38.889%

xxxx

xxxx

xxxx

3.00

302388202

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

18.13%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302330679

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302259687

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302332780

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302388852

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302356779

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302371973

xxxx

xxxx

xxxx

xxxx

2.00

302412224

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302173131

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.85%

xxxx

xxxx

xxxx

xxxx

3.846%

xxxx

xxxx

xxxx

2.00

302112535

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302338244

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302356719

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302128338

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302130101

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.817%

xxxx

xxxx

302132591

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

301983859

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.60

302337336

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302148583

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-1.14%

xxxx

xxxx

xxxx

xxxx

-1.143%

xxxx

xxxx

xxxx

xxxx

xxxx

-1.143%

xxxx

xxxx

3.50

302250045

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.000%

xxxx

xxxx

xxxx

1.00

302326623

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.04%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302263954

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302326601

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302265701

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.20

302336634

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302316243

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302394075

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302460726

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302305769

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302331380

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302371063

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302371934

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-9.09%

xxxx

xxxx

2.30

302259739

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302288795

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.38%

xxxx

xxxx

xxxx

xxxx

2.381%

xxxx

xxxx

xxxx

1.10

302269185

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302303139

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302403137

xxxx

xxxx

xxxx

xxxx

2.50

302325138

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302307763

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-8.06%

xxxx

xxxx

xxxx

xxxx

-8.065%

xxxx

xxxx

xxxx

4.40

302286865

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302307762

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302264886

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302462924

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.70

302250043

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302265655

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.500%

xxxx

xxxx

302273035

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302258404

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302265900

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302264591

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302302565

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302250503

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.47%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302286931

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.80

302259736

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302290229

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302274646

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302264869

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302260909

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302264574

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302281166

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302272979

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302370917

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302272965

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302410507

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302265854

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302273093

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302265884

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-1.09%

xxxx

xxxx

xxxx

xxxx

-1.086%

xxxx

xxxx

xxxx

5.00

302392765

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302268734

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302267488

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302269204

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.05%

xxxx

xxxx

xxxx

xxxx

0.050%

xxxx

xxxx

xxxx

1.00

302270820

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.83%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302316443

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302263952

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.407%

xxxx

xxxx

xxxx

2.20

302269554

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

9.22%

xxxx

xxxx

xxxx

xxxx

6.383%

xxxx

xxxx

xxxx

1.90

302285439

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302271700

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302301628

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302274645

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302271784

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302274529

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302273031

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302335484

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302272976

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.63%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302276573

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302273134

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302273133

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302273090

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302276572

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302277043

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.48%

xxxx

xxxx

2.90

302274642

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302278486

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302305750

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302286946

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302356463

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302329297

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302408165

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302288793

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302323339

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302285434

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.40

302286926

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302330593

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-1.39%

xxxx

xxxx

xxxx

xxxx

-1.387%

xxxx

xxxx

xxxx

2.00

302286859

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.90

302289125

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302325077

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302286856

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.80

302286921

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.80

302304057

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302305747

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302406279

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302403848

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302303247

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

11.79%

xxxx

xxxx

xxxx

xxxx

11.787%

xxxx

xxxx

xxxx

1.50

302288904

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.36%

xxxx

xxxx

xxxx

xxxx

0.360%

xxxx

xxxx

xxxx

1.00

302288952

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302408225

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.30

302290267

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302393991

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302303752

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302303244

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302307759

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302303179

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302303134

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302303158

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302304095

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

9.44%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.20

302305732

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302303243

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.51%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302314340

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302303760

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302304053

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302304077

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302307066

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

7.16%

xxxx

xxxx

xxxx

xxxx

7.164%

xxxx

xxxx

xxxx

1.00

302304075

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.38%

xxxx

xxxx

xxxx

xxxx

2.381%

xxxx

xxxx

xxxx

1.00

302305765

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302304089

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302323420

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302321635

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302305764

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.69%

xxxx

xxxx

2.40

302305743

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.64%

xxxx

xxxx

xxxx

xxxx

2.129%

xxxx

xxxx

xxxx

1.00

302305762

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.40

302307708

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302307063

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302316241

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.10

302307753

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302323419

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302307772

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302320962

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302318350

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302323367

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302320961

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302315939

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.10

302315938

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302316409

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302318348

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.80

302316436

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302316111

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302408791

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302326621

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302318095

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302318347

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302316109

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302316239

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

7.53%

xxxx

xxxx

2.50

302316404

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302316435

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302316434

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302321621

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302325312

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302331379

xxxx

xxxx

xxxx

xxxx

2.00

302318345

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302318380

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.94%

xxxx

xxxx

xxxx

xxxx

0.943%

xxxx

xxxx

xxxx

2.30

302318093

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.10

302338272

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302320981

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302318344

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.90

302320903

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.94%

xxxx

xxxx

xxxx

xxxx

2.941%

xxxx

xxxx

xxxx

3.50

302323336

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.38%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302318400

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.70

302319587

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302325310

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302320436

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302409344

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302327795

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302320978

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-3.61%

xxxx

xxxx

xxxx

xxxx

-3.615%

xxxx

xxxx

xxxx

1.00

302320955

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.69%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302321625

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302321649

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302325279

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302321648

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.36%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302321639

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302321637

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302323400

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302326595

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302327823

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302323266

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

23.08%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302336584

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302323399

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302326592

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302325277

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.52%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302323363

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.90%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302323415

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302327901

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302325274

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302325071

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302325273

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302326616

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302326585

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302326584

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302327860

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302327786

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.62%

xxxx

xxxx

xxxx

xxxx

0.620%

xxxx

xxxx

xxxx

5.00

302327210

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302332820

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302327857

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302327898

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.10

302329306

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302327856

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.71%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302329294

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302329305

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.10

302330678

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302329292

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302329388

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302330589

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302331113

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-0.70%

xxxx

xxxx

xxxx

xxxx

-0.701%

xxxx

xxxx

xxxx

302335500

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302332708

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302331112

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302338137

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302373590

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302331371

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302332684

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302332736

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302367061

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302332706

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.50

302332771

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302332735

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302387170

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302338136

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302372194

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302337334

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302332703

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302332680

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302332767

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302371027

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302332765

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.50

302332734

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302332764

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.80

302332763

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302356625

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302335481

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302337330

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302388330

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302335480

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302337265

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

17.41%

xxxx

xxxx

xxxx

xxxx

17.405%

xxxx

xxxx

xxxx

4.40

302337296

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302335625

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302369383

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302335649

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302336603

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.17%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302338269

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302337327

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302394074

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302337264

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302338240

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302337293

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302370945

xxxx

xxxx

xxxx

xxxx

2.00

302338238

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302338265

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302338235

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302356460

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.60

302356459

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302338234

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302338232

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302338230

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302365586

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302356710

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302371060

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302332768

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302365580

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.60

302372411

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302369352

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302372336

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302372092

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.67%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302371057

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.70

302371052

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302373586

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302372382

xxxx

xxxx

xxxx

xxxx

1.30

302388844

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302388876

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302391362

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302391303

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302392708

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302393973

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302398753

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302391418

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302394071

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302392736

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302392734

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302393971

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302409387

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

999.00

302394694

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302400054

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.50

302401352

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302401971

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302407340

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302408086

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302408736

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302184694

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302278911

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302325064

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302334906

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302274668

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302423519

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.70

302396605

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302408228

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302278907

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302288897

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302331175

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302332752

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302410499

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302412219

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302288124

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302327913

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302372927

xxxx

xxxx

xxxx

xxxx

2.00

302248419

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302263969

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302275386

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-1.09%

xxxx

xxxx

xxxx

xxxx

-1.092%

xxxx

xxxx

xxxx

5.00

302278996

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302315007

xxxx

xxxx

xxxx

xxxx

1.70

302278995

xxxx

xxxx

xxxx

xxxx

2.00

302280899

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.80

302286688

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302286687

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.90

302288119

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302290324

xxxx

xxxx

xxxx

xxxx

2.00

302290323

xxxx

xxxx

xxxx

xxxx

2.10

302290319

xxxx

xxxx

xxxx

xxxx

2.00

302315004

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302303905

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302305800

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302306392

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

11.89%

xxxx

xxxx

xxxx

xxxx

11.888%

xxxx

xxxx

xxxx

2.80

302315001

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302314998

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302314996

xxxx

xxxx

xxxx

xxxx

2.40

302316429

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

6.83%

xxxx

xxxx

xxxx

xxxx

6.831%

xxxx

xxxx

xxxx

3.50

302326606

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-7.46%

xxxx

xxxx

xxxx

xxxx

-7.457%

xxxx

xxxx

xxxx

3.10

302327084

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302338177

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302372063

xxxx

xxxx

xxxx

xxxx

2.00

302372058

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302372916

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.56%

xxxx

xxxx

3.20

302173081

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302132382

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302304044

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302307729

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302276549

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302337282

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302265804

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302278960

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302244976

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302273073

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

6.38%

xxxx

xxxx

xxxx

xxxx

6.383%

xxxx

xxxx

xxxx

302286886

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-5.44%

xxxx

xxxx

xxxx

xxxx

-5.441%

xxxx

xxxx

xxxx

302394061

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302264835

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302338018

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302304104

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302067248

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302174057

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302304125

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

7.14%

xxxx

xxxx

xxxx

xxxx

7.143%

xxxx

xxxx

xxxx

2.00

302101286

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302214485

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302248756

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302267548

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302274605

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302290253

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302214484

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302273099

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302276548

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302305676

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.90

302278955

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302307056

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302317912

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302391396

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.27%

xxxx

xxxx

2.30

302392497

xxxx

xxxx

xxxx

xxxx

1.40

302372350

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

8.42%

xxxx

xxxx

xxxx

xxxx

8.420%

xxxx

xxxx

xxxx

2.10

302395314

xxxx

xxxx

xxxx

xxxx

2.00

301990041

xxxx

xxxx

xxxx

xxxx

1.00

302247673

xxxx

xxxx

xxxx

xxxx

2.10

302338103

xxxx

xxxx

xxxx

xxxx

1.90

302114179

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302265871

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302332731

xxxx

xxxx

xxxx

xxxx

2.40

302259759

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302369105

xxxx

xxxx

xxxx

xxxx

1.20

302285505

xxxx

xxxx

xxxx

xxxx

1.00

302172547

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302150301

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302394687

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-9.73%

xxxx

xxxx

xxxx

xxxx

-9.728%

xxxx

xxxx

xxxx

4.40

302137128

xxxx

xxxx

xxxx

xxxx

1.60

302112602

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-0.90%

xxxx

xxxx

xxxx

xxxx

-0.901%

xxxx

xxxx

xxxx

3.60

302147496

xxxx

xxxx

xxxx

xxxx

2.20

302401382

xxxx

xxxx

xxxx

xxxx

2.00

302137253

xxxx

xxxx

xxxx

xxxx

2.00

302327095

xxxx

xxxx

xxxx

xxxx

2.00

302273056

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302369329

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302290216

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.50

302338132

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302336653

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302470351

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.90

302457713

xxxx

xxxx

xxxx

xxxx

1.10

302457712

xxxx

xxxx

xxxx

xxxx

2.00

302461617

xxxx

xxxx

xxxx

xxxx

1.00

302411643

xxxx

xxxx

xxxx

xxxx

1.20

302339282

xxxx

xxxx

xxxx

xxxx

2.00

302096481

xxxx

xxxx

xxxx

xxxx

2.50

302317911

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-1.39%

xxxx

xxxx

xxxx

xxxx

-1.389%

xxxx

xxxx

xxxx

3.50

302046212

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302388308

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302405814

xxxx

xxxx

xxxx

xxxx

2.00

302393540

xxxx

xxxx

xxxx

xxxx

1.80

302388292

xxxx

xxxx

xxxx

xxxx

2.20

302393532

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

9.91%

xxxx

xxxx

xxxx

xxxx

9.912%

xxxx

xxxx

xxxx

4.00

302405765

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-21.43%

xxxx

xxxx

xxxx

xxxx

27.273%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302393518

xxxx

xxxx

xxxx

xxxx

2.10

302388243

xxxx

xxxx

xxxx

xxxx

2.30

302405671

xxxx

xxxx

xxxx

xxxx

2.00

302339345

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302250483

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.10

302317910

xxxx

xxxx

xxxx

xxxx

2.00

302094957

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302304060

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.27%

xxxx

xxxx

1.50

302407998

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302371038

xxxx

xxxx

xxxx

xxxx

1.00

302316426

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.53%

xxxx

xxxx

xxxx

xxxx

0.529%

xxxx

xxxx

xxxx

3.90

302267589

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302302569

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302327069

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.70

302368603

xxxx

xxxx

xxxx

xxxx

2.10

302372053

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.50%

xxxx

xxxx

1.60

302392768

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302388438

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00%

xxxx

xxxx

2.10

302372205

xxxx

xxxx

xxxx

xxxx

2.30

302280918

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.20

302290129

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-0.75%

xxxx

xxxx

xxxx

xxxx

-0.752%

xxxx

xxxx

xxxx

3.10

302278979

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302317890

xxxx

xxxx

xxxx

xxxx

2.30

302303765

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302305495

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302320430

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302356742

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302320429

xxxx

xxxx

xxxx

xxxx

2.10

302304071

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.72%

xxxx

xxxx

xxxx

xxxx

4.723%

xxxx

xxxx

xxxx

2.00

302303156

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302285420

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302277159

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302289038

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302278923

xxxx

xxxx

xxxx

xxxx

2.00

302327780

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302314350

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302329380

xxxx

xxxx

xxxx

xxxx

1.70

302323304

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302288821

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302289132

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302288902

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302316420

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302330598

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302304015

xxxx

xxxx

xxxx

xxxx

2.00

302327853

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.70

302356457

xxxx

xxxx

xxxx

xxxx

2.00

302401914

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302334909

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302317889

xxxx

xxxx

xxxx

xxxx

2.00

302330689

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302325333

xxxx

xxxx

xxxx

xxxx

2.30

302372345

xxxx

xxxx

xxxx

xxxx

1.60

302329394

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302331341

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302356447

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.61%

xxxx

xxxx

2.40

302278930

xxxx

xxxx

xxxx

xxxx

1.40

302356730

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302335640

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302265810

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302286905

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.80

302336688

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302273125

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-4.64%

xxxx

xxxx

xxxx

xxxx

-4.641%

xxxx

xxxx

xxxx

3.00

302278921

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302327851

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.60

302321619

xxxx

xxxx

xxxx

xxxx

2.20

302129899

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-2.59%

xxxx

xxxx

xxxx

xxxx

-2.593%

xxxx

xxxx

xxxx

3.40

302288804

xxxx

xxxx

xxxx

xxxx

1.00

302369398

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302391400

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302133920

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302172086

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302302568

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302114236

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.70

302370922

xxxx

xxxx

xxxx

xxxx

2.00

302316141

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.29%

xxxx

xxxx

2.20

302336549

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

9.12%

xxxx

xxxx

4.00

302336623

xxxx

xxxx

xxxx

xxxx

2.30

302304126

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.90

302412369

xxxx

xxxx

xxxx

xxxx

2.30

302372052

xxxx

xxxx

xxxx

xxxx

2.40

302315904

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302176129

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302393556

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-1.12%

xxxx

xxxx

xxxx

xxxx

-1.117%

xxxx

xxxx

xxxx

2.60

302288801

xxxx

xxxx

xxxx

xxxx

2.30

302389940

xxxx

xxxx

xxxx

xxxx

2.00

302369399

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.50

302338161

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

18.565%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302401307

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

7.61%

xxxx

xxxx

xxxx

xxxx

7.605%

xxxx

xxxx

xxxx

4.90

302390085

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

17.88%

xxxx

xxxx

xxxx

xxxx

17.877%

xxxx

xxxx

xxxx

4.00

302324788

xxxx

xxxx

xxxx

xxxx

1.00

302317297

xxxx

xxxx

xxxx

xxxx

2.30

302370953

xxxx

xxxx

xxxx

xxxx

2.30

302392495

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

10.64%

xxxx

xxxx

xxxx

xxxx

10.635%

xxxx

xxxx

xxxx

2.90

302274675

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302147204

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.90

302250023

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302176039

xxxx

xxxx

xxxx

xxxx

1.20

302170971

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302170970

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302316232

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.57%

xxxx

xxxx

xxxx

xxxx

3.571%

xxxx

xxxx

xxxx

2.10

302265809

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302303206

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302249986

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302327778

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302304111

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302128029

xxxx

xxxx

xxxx

xxxx

1.40

302269199

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302214443

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302248781

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302270498

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302269305

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.90

302259702

xxxx

xxxx

xxxx

xxxx

2.20

302320966

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302390108

xxxx

xxxx

xxxx

xxxx

1.50

302173339

xxxx

xxxx

xxxx

xxxx

1.30

302405852

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302301582

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302134286

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.60

302325155

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-2.56%

xxxx

xxxx

xxxx

xxxx

-2.563%

xxxx

xxxx

xxxx

2.90

302426775

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302045764

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302147452

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302066018

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-3.07%

xxxx

xxxx

xxxx

xxxx

-3.068%

xxxx

xxxx

xxxx

2.50

302271633

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302113959

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302270473

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302138579

xxxx

xxxx

xxxx

xxxx

2.20

302277083

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302243597

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302130584

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302247662

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302147198

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302271632

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.823%

xxxx

xxxx

xxxx

2.00

302305680

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302229072

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302265847

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.90

302277081

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302265711

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302278917

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302243723

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302486045

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

6.45%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302338197

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302426770

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

65.66%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302426769

xxxx

xxxx

xxxx

xxxx

2.50

302214431

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302244496

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302314952

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302276556

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302286454

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.10

302307742

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302314332

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302305543

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.90

302329356

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302426765

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302390089

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302486035

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.02%

xxxx

xxxx

2.30

302327208

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302338020

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302327819

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302331319

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302500695

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302486030

xxxx

xxxx

xxxx

xxxx

xxxx

Desk Review

2.10

302278054

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-2.03%

xxxx

xxxx

xxxx

xxxx

-2.032%

xxxx

xxxx

xxxx

4.40

302150098

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302260929

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302243721

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302171325

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302172348

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302264617

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302243691

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302243786

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302277038

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302369373

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302307739

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302137061

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302323376

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302406284

xxxx

xxxx

xxxx

xxxx

2.30

302410408

xxxx

xxxx

xxxx

xxxx

1.90

302372909

xxxx

xxxx

xxxx

xxxx

2.50

302325084

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302391311

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

7.29%

xxxx

xxxx

5.00

302325343

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302259762

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302034690

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-2.39%

xxxx

xxxx

xxxx

xxxx

-2.390%

xxxx

xxxx

xxxx

2.40

302035375

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302394372

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302332675

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302286848

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.10

302260961

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302277044

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302288834

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

15.95%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302259403

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302470888

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302265832

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302265912

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302271799

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302306332

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302395298

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302315047

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302288923

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.80

302392753

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302306985

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302316143

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.60

302316468

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302394698

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302320922

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.15%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302321646

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302372425

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302323424

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302325341

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302326626

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302332824

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302332732

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302337320

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302335584

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302338281

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302338173

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302336661

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302371100

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302370918

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302400032

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302404397

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302500682

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302500680

xxxx

xxxx

xxxx

xxxx

xxxx

Desk Review

2.00

302270838

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302412232

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302398110

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302133916

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302226660

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302288812

xxxx

xxxx

xxxx

xxxx

2.10

302286894

xxxx

xxxx

xxxx

xxxx

2.00

302288811

xxxx

xxxx

xxxx

xxxx

2.10

302288930

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.60

302290234

xxxx

xxxx

xxxx

xxxx

2.00

302387225

xxxx

xxxx

xxxx

xxxx

2.00

302323375

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302290127

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302290211

xxxx

xxxx

xxxx

xxxx

1.40

302290233

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302290307

xxxx

xxxx

xxxx

xxxx

1.50

302290281

xxxx

xxxx

xxxx

xxxx

1.00

302290304

xxxx

xxxx

xxxx

xxxx

1.00

302288927

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302305740

xxxx

xxxx

xxxx

xxxx

2.10

302303204

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302306977

xxxx

xxxx

xxxx

xxxx

2.10

302304067

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302320912

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302305703

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302305701

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302314935

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302306401

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302314347

xxxx

xxxx

xxxx

xxxx

1.20

302307697

xxxx

xxxx

xxxx

xxxx

2.00

302314790

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.70

302314346

xxxx

xxxx

xxxx

xxxx

1.00

302314657

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.90

302314949

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302329350

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302316127

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302316460

xxxx

xxxx

xxxx

xxxx

2.20

302317886

xxxx

xxxx

xxxx

xxxx

2.00

302326568

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302336610

xxxx

xxxx

xxxx

xxxx

2.50

302332677

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302410464

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302371068

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302129930

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302423681

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.26%

xxxx

xxxx

2.30

302303705

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302331173

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302372424

xxxx

xxxx

xxxx

xxxx

2.10

302260948

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.90

302259731

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302326580

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302394078

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

43.02%

xxxx

xxxx

xxxx

xxxx

43.019%

xxxx

xxxx

xxxx

1.50

302326652

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302338276

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.30

302278912

xxxx

xxxx

xxxx

xxxx

1.30

302228013

xxxx

xxxx

xxxx

xxxx

1.00

302228060

xxxx

xxxx

xxxx

xxxx

1.10

302404318

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302329346

xxxx

xxxx

xxxx

xxxx

1.00

302473857

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302288864

xxxx

xxxx

xxxx

xxxx

1.90

302405876

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302248360

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-0.11%

xxxx

xxxx

xxxx

xxxx

-0.108%

xxxx

xxxx

xxxx

3.00

302336590

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302320928

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302337234

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

9.67%

xxxx

xxxx

xxxx

xxxx

9.666%

xxxx

xxxx

xxxx

2.70

302330682

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302327213

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302338113

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302136653

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302285400

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302479432

xxxx

xxxx

xxxx

xxxx

2.00

302480094

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302481931

xxxx

xxxx

xxxx

xxxx

2.00

302479429

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.10

302481928

xxxx

xxxx

xxxx

xxxx

2.00

302480092

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302479426

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302486593

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302486592

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302479421

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-5.19%

xxxx

xxxx

xxxx

xxxx

-5.195%

xxxx

xxxx

xxxx

3.00

302486588

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.90

302480087

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.40

302481923

xxxx

xxxx

xxxx

xxxx

2.00

302479418

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302486586

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302486585

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302479417

xxxx

xxxx

xxxx

xxxx

1.20

302479416

xxxx

xxxx

xxxx

xxxx

2.30

302481918

xxxx

xxxx

xxxx

xxxx

1.00

302480084

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.20

302480083

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302481917

xxxx

xxxx

xxxx

xxxx

1.60

302481915

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302481914

xxxx

xxxx

xxxx

xxxx

2.00

302481911

xxxx

xxxx

xxxx

xxxx

2.30

302481910

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.24%

xxxx

xxxx

xxxx

xxxx

4.242%

xxxx

xxxx

xxxx

1.50

302481909

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302481908

xxxx

xxxx

xxxx

xxxx

2.00

302479410

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302479409

xxxx

xxxx

xxxx

xxxx

2.10

302479408

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302481904

xxxx

xxxx

xxxx

xxxx

2.30

302481903

xxxx

xxxx

xxxx

xxxx

2.10

302480079

xxxx

xxxx

xxxx

xxxx

2.20

302480078

xxxx

xxxx

xxxx

xxxx

1.00

302481902

xxxx

xxxx

xxxx

xxxx

2.00

302480076

xxxx

xxxx

xxxx

xxxx

2.00

302481900

xxxx

xxxx

xxxx

xxxx

2.50

302479403

xxxx

xxxx

xxxx

xxxx

2.30

302481898

xxxx

xxxx

xxxx

xxxx

2.10

302479401

xxxx

xxxx

xxxx

xxxx

2.40

302486582

xxxx

xxxx

xxxx

xxxx

1.50

302481896

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302481895

xxxx

xxxx

xxxx

xxxx

2.00

302479398

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302481889

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302479397

xxxx

xxxx

xxxx

xxxx

xxxx

1.80

302481887

xxxx

xxxx

xxxx

xxxx

1.70

302479396

xxxx

xxxx

xxxx

xxxx

2.00

302481886

xxxx

xxxx

xxxx

xxxx

2.00

302480072

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302481884

xxxx

xxxx

xxxx

xxxx

1.00

302481881

xxxx

xxxx

xxxx

xxxx

2.10

302486580

xxxx

xxxx

xxxx

xxxx

2.10

302408118

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302173947

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.10

302306405

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302396722

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302267480

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302338022

xxxx

xxxx

xxxx

xxxx

2.50

302098827

xxxx

xxxx

xxxx

xxxx

1.00

302132550

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302264844

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302404396

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302400973

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302404399

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302304024

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302335588

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302329344

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302336660

xxxx

xxxx

xxxx

xxxx

1.00

302272985

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302338245

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302305710

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302096033

xxxx

xxxx

xxxx

xxxx

1.00

302172543

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.10

302332829

xxxx

xxxx

xxxx

xxxx

2.30

302066050

xxxx

xxxx

xxxx

xxxx

2.30

302408776

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302271730

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302410400

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302286914

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

301367733

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.97%

xxxx

xxxx

xxxx

xxxx

1.971%

xxxx

xxxx

xxxx

302137058

xxxx

xxxx

xxxx

xxxx

1.00

302305699

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302227983

xxxx

xxxx

xxxx

xxxx

2.00

302226659

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302401335

xxxx

xxxx

xxxx

xxxx

2.10

302226834

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302326629

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302271639

xxxx

xxxx

xxxx

xxxx

2.10

302392740

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302263940

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302316470

xxxx

xxxx

xxxx

xxxx

2.30

302303887

xxxx

xxxx

xxxx

xxxx

1.30

302130080

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.10

302305063

xxxx

xxxx

xxxx

xxxx

xxxx

1.80

302250450

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302321651

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302273144

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.51%

xxxx

xxxx

xxxx

xxxx

2.509%

xxxx

xxxx

xxxx

3.60

302388882

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302327867

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-1.29%

xxxx

xxxx

xxxx

xxxx

-1.286%

xxxx

xxxx

xxxx

3.00

302327788

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302286912

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302259752

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302271656

xxxx

xxxx

xxxx

xxxx

1.00

302473114

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.40

302338123

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302398116

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-12.07%

xxxx

xxxx

1.00

302412293

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302269508

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-1.19%

xxxx

xxxx

xxxx

xxxx

-1.193%

xxxx

xxxx

xxxx

2.20

302271714

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302285344

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302338110

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302315945

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302372202

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302288942

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.88%

xxxx

xxxx

xxxx

xxxx

1.883%

xxxx

xxxx

xxxx

1.10

302332629

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302391310

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302339307

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.60

302392711

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302405858

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302305783

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

16.82%

xxxx

xxxx

xxxx

xxxx

16.819%

xxxx

xxxx

xxxx

5.00

302404320

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302410399

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30%

xxxx

xxxx

xxxx

xxxx

2.297%

xxxx

xxxx

xxxx

2.90

302337271

xxxx

xxxx

xxxx

xxxx

2.30

302404426

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302369100

xxxx

xxxx

xxxx

xxxx

2.20

302401375

xxxx

xxxx

xxxx

xxxx

2.00

302336619

xxxx

xxxx

xxxx

xxxx

2.00

302336588

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.80

302372436

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.96%

xxxx

xxxx

xxxx

xxxx

4.959%

xxxx

xxxx

xxxx

4.80

302398763

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302332743

xxxx

xxxx

xxxx

xxxx

1.00

302329398

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302372377

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302371048

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302290311

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302372376

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302365576

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302371047

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302393405

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302365575

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302323320

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302408126

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302387234

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302409392

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302391410

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302303262

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302303261

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302304020

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302319570

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

301595558

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

6.63%

xxxx

xxxx

xxxx

xxxx

6.627%

xxxx

xxxx

xxxx

2.00

302365574

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.40

302319569

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302409367

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302400059

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302372400

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302372399

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302335613

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302372398

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302228019

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302319601

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302332628

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.90

302303228

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302271773

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302286875

xxxx

xxxx

xxxx

xxxx

1.00

302202004

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302318089

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302288965

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302305735

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302305756

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302327078

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-0.41%

xxxx

xxxx

xxxx

xxxx

-0.408%

xxxx

xxxx

xxxx

1.00

302280931

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-3.65%

xxxx

xxxx

xxxx

xxxx

-3.654%

xxxx

xxxx

xxxx

2.70

302130086

xxxx

xxxx

xxxx

xxxx

2.40

302243712

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302173865

xxxx

xxxx

xxxx

xxxx

2.20

302307738

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302304047

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302367067

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.33%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302264846

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302330596

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302327835

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302244535

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302269287

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302065380

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302183935

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302332792

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.30

302214441

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302114061

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302316125

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302116139

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302174098

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.25%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302173069

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302150283

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302228059

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.92%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302273100

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302315921

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302320910

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302307057

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302226824

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302369423

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302264614

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302401303

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302332846

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302325282

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.50

302316475

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302325085

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302329332

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302369406

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302410379

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-90.00%

xxxx

xxxx

xxxx

xxxx

-90.000%

xxxx

xxxx

xxxx

2.10

302372908

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

301599880

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302369447

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302056530

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302327841

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302329391

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302306333

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302317306

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302265829

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302274216

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.41%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302285493

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302408141

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302304116

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302370958

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302338228

xxxx

xxxx

xxxx

xxxx

1.50

302272990

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302409328

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302372099

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302337303

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302404417

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302368615

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302093025

xxxx

xxxx

xxxx

xxxx

2.00

302093055

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302327879

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302337267

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302388491

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302093020

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302139511

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302173856

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302174126

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302228170

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.07%

xxxx

xxxx

xxxx

xxxx

4.065%

xxxx

xxxx

xxxx

2.60

302326645

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302280925

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302315027

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302327220

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302327878

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302372175

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302425349

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302067756

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302267633

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302373273

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302096021

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302408136

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302266929

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302406264

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302073488

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302307712

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.90

302171003

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302229078

xxxx

xxxx

xxxx

xxxx

1.80

302267608

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302331404

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.60

302168819

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302243247

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.50

302276617

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302288951

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302356641

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302400069

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302410476

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302305497

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302332759

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.40

302369095

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302335636

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302336658

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302305794

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302406232

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302338280

xxxx

xxxx

xxxx

xxxx

2.00

302305793

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302325379

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302326642

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302356441

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302400970

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302331402

xxxx

xxxx

xxxx

xxxx

2.00

302335595

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.40

302367042

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302410544

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302388896

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302289118

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302267606

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302370956

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302248815

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302332758

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-2.49%

xxxx

xxxx

xxxx

xxxx

-2.487%

xxxx

xxxx

xxxx

3.00

302316425

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302407990

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302391404

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302276606

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302332839

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302391370

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302274519

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302285335

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302171338

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302338157

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302316472

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302368634

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302281207

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-3.85%

xxxx

xxxx

xxxx

xxxx

-3.846%

xxxx

xxxx

xxxx

1.00

302273142

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302176108

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.70

302278982

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302401359

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302372402

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302331398

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302370955

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

0.36%

xxxx

xxxx

xxxx

xxxx

0.358%

xxxx

xxxx

xxxx

1.00

302367041

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302406376

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302277034

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302285330

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302316137

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302274681

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302278091

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-1.11%

xxxx

xxxx

xxxx

xxxx

-1.113%

xxxx

xxxx

xxxx

5.00

302277088

xxxx

xxxx

xxxx

xxxx

2.00

302372428

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302329316

xxxx

xxxx

xxxx

xxxx

1.80

302338204

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302336640

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302098621

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.50

302336683

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302260957

xxxx

xxxx

xxxx

xxxx

2.20

302303759

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.68%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302096050

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-4.42%

xxxx

xxxx

xxxx

xxxx

-4.417%

xxxx

xxxx

xxxx

302226648

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-1.75%

xxxx

xxxx

xxxx

xxxx

-1.746%

xxxx

xxxx

xxxx

2.20

302137090

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302243737

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302268738

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302250451

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.49%

xxxx

xxxx

xxxx

xxxx

2.491%

xxxx

xxxx

xxxx

1.00

302304085

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-9.45%

xxxx

xxxx

xxxx

xxxx

-9.445%

xxxx

xxxx

xxxx

1.50

302307074

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302320447

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-2.62%

xxxx

xxxx

xxxx

xxxx

-2.622%

xxxx

xxxx

xxxx

2.00

302317906

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.90

302331329

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.70

302323344

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50

302331328

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302335617

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302147642

xxxx

xxxx

xxxx

xxxx

1.00

302412300

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-4.45%

xxxx

xxxx

xxxx

xxxx

-4.451%

xxxx

xxxx

xxxx

2.00

302213580

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302314662

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302278916

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-1.96%

xxxx

xxxx

xxxx

xxxx

-1.961%

xxxx

xxxx

xxxx

2.00

302243689

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302265821

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302305725

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302265709

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302270831

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302271597

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302260972

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.10

302273051

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302323352

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302273050

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302288813

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.90

302328831

xxxx

xxxx

xxxx

xxxx

1.20

302175990

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302172626

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302273074

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

7.81%

xxxx

xxxx

xxxx

xxxx

7.813%

xxxx

xxxx

xxxx

2.00

302285470

xxxx

xxxx

xxxx

xxxx

1.50

302316149

xxxx

xxxx

xxxx

xxxx

2.00

302286956

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302226825

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302271594

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302372045

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302391380

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302425370

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302373282

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.60

302332845

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302391379

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302398118

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302423546

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302400041

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302369404

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302367027

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302409363

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302413526

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.60

302391323

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302338209

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302372945

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302394056

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302371042

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302404366

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302393965

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302332843

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302365604

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302371041

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302371040

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-4.17%

xxxx

xxxx

xxxx

xxxx

-4.167%

xxxx

xxxx

xxxx

2.00

302370970

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302459192

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.20

302365602

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.70

301631107

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302356450

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302370968

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302388319

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302370940

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302371074

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.80

302391378

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302387159

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302387231

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302338086

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302400029

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302096359

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302096295

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302116003

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302277145

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.02%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302277144

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.50

302286451

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.20

302286964

xxxx

xxxx

xxxx

xxxx

xxxx

1.60

302278914

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302286448

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302338126

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302470342

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302278908

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.40

302303169

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302423521

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302411630

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.30

302407324

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.10

302423520

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.60

302411641

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.60

302286457

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.40

302147495

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.80

302096283

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302099457

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302173135

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.30

302260930

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302316129

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302250021

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302271768

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302327065

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302269304

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302286966

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.70

302367070

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302318367

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-5.00%

xxxx

xxxx

xxxx

xxxx

-5.000%

xxxx

xxxx

xxxx

2.00

302335586

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302290298

xxxx

xxxx

xxxx

xxxx

2.00

302392698

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302243226

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.30

302318087

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302265783

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302270494

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302268716

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.10

302244532

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302274663

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302175918

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.20

302319596

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302327827

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302278953

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302332720

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.50

302365595

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.90

302248410

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.90

302332785

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.60

302029652

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.80

302271751

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302270829

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.30

302096029

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.00

302265816

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.10

302327797

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302277128

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-3.49%

xxxx

xxxx

xxxx

xxxx

-3.485%

xxxx

xxxx

xxxx

2.30

302248790

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

5.11%

xxxx

xxxx

xxxx

xxxx

5.109%

xxxx

xxxx

xxxx

1.00

302214056

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-0.45%

xxxx

xxxx

xxxx

xxxx

-0.455%

xxxx

xxxx

xxxx

302307723

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

1.00

302305537

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302269518

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302247659

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-6.70%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302227978

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

4.00

302228174

xxxx

xxxx

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xxxx

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xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.00

302228173

xxxx

xxxx

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xxxx

xxxx

xxxx

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2.00

302260923

xxxx

xxxx

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xxxx

xxxx

xxxx

xxxx

xxxx

302271748

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

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2.00

302279019

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

3.50%

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

2.00

302265780

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

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2.40

302327047

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

-4.88%

xxxx

xxxx

xxxx

xxxx

-4.878%

xxxx

xxxx

xxxx

2.20

302267583

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

xxxx

302274661

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2.10

302316146

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xxxx

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xxxx

xxxx

xxxx

xxxx

302286439

xxxx

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4.00

302369369

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xxxx

xxxx

xxxx

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xxxx

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2.20

302332806

xxxx

xxxx

xxxx

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8.33%

xxxx

xxxx

xxxx

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xxxx

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4.00

302290294

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302304103

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1.10

302306967

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302318363

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2.50

302327815

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1.00

302243619

xxxx

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2.60

302368629

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2.40

302373596

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2.50

302387241

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3.30

302303215

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2.30

302303885

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2.00

302307720

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302401910

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EX-99.6

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.6

 

Table of Contents

Clayton Contact Information	2
Overview	2
Originators	2
Clayton’s Third Party Review (“TPR”) Scope of Work	2
Sampling	2
Sponsor Acquisition Criteria	3
Loan Grading	3
TPR Component Review Scope	3
Credit Review	3
Property Valuation Review	4
Regulatory Compliance Review	4
Data Capture	5
Data Integrity	6
Data Compare Results	6
Clayton Due Diligence Results	6
Clayton Third Party Reports Delivered	8
Appendix A: Credit Review Scope	8
Appendix B: Origination Appraisal Assessment	11
Appendix C: Regulatory Compliance Review Scope	14

JPMMT 2021-6 Due Diligence Narrative Report Page | 1 April 14, 2021

 

Clayton Contact Information

Client Service Management:

Stephany Wright	Client Service Manager
	Phone: (813) 371-0712/E-mail: swright@clayton.com
Joe Ozment	Director of Securitization
	Phone: (813) 261-0733/E-mail: jozment@clayton.com

Overview

On behalf of J.P. Morgan Mortgage Acquisition Corp., Clayton conducted an independent third-party pre-securitization due diligence review of 121 residential loans selected for the JPMMT 2021-6 transaction. The loans referenced in this narrative report were reviewed on a bulk and flow basis from September 2020 to March 2021 at Clayton’s centralized underwriting facility in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton’s review.

Originators

Origination channels for the loans in this review:

Origination Channel	Loan Count	Percentage
Broker	11	9.09%
Correspondent Flow with delegated underwriting	2	1.65%
Retail	108	89.26%
Total	121	100.00%

Clayton’s Third Party Review (“TPR”) Scope of Work

The scope of work for this transaction consisted of credit, property valuation, and regulatory compliance reviews, plus a data integrity check, and was performed in accordance with rating agency1 loan level review standards in place as of the date of the review. This is referred to as a “Full Review.”

1 Standard and Poor’s, Moody’s, Fitch, Kroll, Morningstar, and DBRS

JPMMT 2021-6 Due Diligence Narrative Report Page | 2 April 14, 2021

 

Sampling

For all originators in this transaction, 100% of the loans received a Full Review as described below.

Review Type Loan Counts:

Review Type	Loan Count Reviewed by Clayton	Scope Applied
Full Review	121	Clayton performed a Full Review based on the scope described below in the section titled “TPR Component Review Scope”.
Total Loan Population	121

Sponsor Acquisition Criteria

Clayton was supplied with the related guidelines in advance of our review. The subject loans were reviewed pursuant to the applicable Originators guidelines.

Loan Grading

The Sponsor Acquisition Criteria referenced above served as the benchmark for grading loans from a credit underwriting, property valuation and regulatory compliance perspective, as applicable. Each loan received an “initial” and a “final” grade. The “initial” grade was assigned during the initial loan review. The “final” grade takes into account additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Clayton’s loan grading is solely based on Clayton’s independent assessment of all guideline exceptions and compensating factors for each of the component reviews. Clayton is providing a comprehensive loan-level analysis as part of this pre-securitization reporting package that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades, and sets forth compensating factors and waivers.

Clayton’s loan grading complied with rating agency grading definitions published by Moody’s, Standard and Poor’s, Fitch, Morningstar, Kroll and DBRS.

JPMMT 2021-6 Due Diligence Narrative Report Page | 3 April 14, 2021

 

TPR Component Review Scope

Clayton examined each loan file with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Clayton relied on the accuracy of information contained in the loan documentation provided to Clayton.

Credit Review

Clayton’s Credit scope of review conducted on this transaction included the following elements (for more detail, please refer to Appendix A and to the guidelines cited above):

§ Assessed whether the characteristics of the mortgage loans and the borrowers conformed to the Sponsor Acquisition Criteria cited above;

§ Re-calculated LTV, CLTV, income, liabilities, and debt-to-income ratios (DTI) and compared these against the Sponsor Acquisition Criteria;

§ Analyzed asset statements in order to determine whether funds to close and reserves were within the Sponsor Acquisition Criteria;

§ Confirmed that credit scores (FICO) and credit histories were within the Sponsor Acquisition Criteria;

§ Evaluated evidence of borrower’s willingness and ability to repay the obligation;

§ Examined income, employment, assets, and occupancy status for reasonability; and

§ Examined Data Verify/Fraudguard/Interthinx or similar risk evaluation report, which was ordered by the Seller and received by Clayton for Nationwide Multistate Licensing System and Registry (“NMLS”) and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly.

Property Valuation Review

Clayton’s Property Valuation scope of review conducted on this transaction included the following elements:

§ Original Appraisal Assessment

- Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

- For more detail on the original appraisal review scope and desk review definitions, please refer to Appendix B and to the guidelines cited above.

JPMMT 2021-6 Due Diligence Narrative Report Page | 4 April 14, 2021

 

§ Value Supported Analysis (121 loans)

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. Clayton had independent access to all products listed below.

For loans reviewed:

o 41 loans had Desktop Reviews.

o 76 loans had a collateral underwriter through Fannie/DU of 2.5 or less and therefore did not require a 3^rd party product. 1 of these loans had a Desktop Review.

o 4 loans had a Property Inspection Waiver, along with an AVM.

Clayton had independent access to all products. Regulatory Compliance Review

Clayton’s regulatory compliance scope of review conducted on this transaction included the elements summarized below.

(For more detail, please refer to Appendix C.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

§ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

§ Tested for state-specific consumer protection laws including late charge and prepayment penalty provisions;

§ Truth-in-lending/regulation Z (TILA) testing included the following:

- Notice of Right to Cancel (Right of Rescission) adherence if applicable;

- TIL Disclosure Timing (3/7/3) and disclosure content;

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

- Section 32 APR and Points and Fees Thresholds and prohibited practices;

- Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

- Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

- Prepayment Penalty restrictions;

- QM/ATR Review: On applicable loans, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau, as further described on Appendix C attached hereto and

- TILA/RESPA Integrated Disclosure Scope (‘Covered Loans’ on or after 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on Appendix C attached hereto.

§ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following, for loans other than ‘Covered Loans’ and loans with an Application Date prior to 10/3/2015:

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement; 

- GFE to HUD1 evaluation for 0% and 10% fee tolerances;

- Homeownership Counseling Notice; and

- Affiliated Business Disclosure if applicable.

OF NOTE: As of October 3, 2015 (“TRID Effective Date”), Clayton commenced testing applicable loans subject to the TRID Effective date against a TRID scope of review that was based on outside counsel’s interpretations of the published regulations as of the TRID Effective Date. Clayton’s scope was commercially reasonable as it relates to a Third Party Review

JPMMT 2021-6 Due Diligence Narrative Report Page | 5 April 14, 2021

 

(“TPR”) firm’s role as TPR conducting an independent third-party pre-securitization due diligence review (“Initial TRID Scope”). The Initial TRID Scope was created with guidance from outside counsel.

On, June 15th, 2016 SFIG published its RMBS 3.0 TRID Compliance Review Scope © documentation, developed under the leadership of members from TPR firms across the industry and SFIG’s RMBS 3.0 Due Diligence, Data and Disclosure Working Group. The RMBS 3.0 TRID Compliance Review Scope was created with an aim to facilitate a uniform testing and risk identification standard as it would apply to an assignee, as a result of a consistent Truth-In-Lending Act liability interpretation according to the understanding of prevailing legal precedent and informal written guidance and webinars offered by the CFPB, as it applies to the Know Before You Owe / Truth In Lending Act (“TILA) – Real Estate Settlement Procedures Act (“RESPA”) Integrated Disclosure (“TRID”) Rule (78 FR 79730, as amended). RMBS 3.0 TRID Compliance Review Scope may be formally amended by the SFIG RMBS 3.0 Due Diligence, Data and Disclosure Working Group as clarifying regulations may be promulgated on a go forward basis, as well as any binding judicial interpretations of the underlying law.

Following the June 15^th , 2016 formal publication of the RMBS 3.0 TRID Compliance Review Scope ©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by J.P. Morgan Mortgage Acquisition Corp.

Compliance Review (Business Purpose, Non-Owner Occupied)

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence.  For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower’s (or in the case of rescission a title holder’s) principal residence.   Most other consumer protection laws extend to a borrower’s secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered). 

Therefore, the list of laws that Clayton tests that apply to a loan secured by non-owner occupied property for a business purpose is limited. Regulatory Compliance testing of Business Purpose Loans consists of the following:

State and Federal High Cost and Higher-Priced:

· Cook County High Cost Ordinance

· Chicago High Cost Ordinance

Clayton currently tests the Chicago and Cook County ordinances due to vague language around loans for a business purpose not related to the property.  While the state of Illinois has similar language, Clayton’s audit law firm determined that only principal residences should be tested for IL high cost. 

Anti-predatory lending laws

· Virginia Lender and Broker Act after 6/1/2008

· Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

JPMMT 2021-6 Due Diligence Narrative Report Page | 6 April 14, 2021

 

National Flood Insurance Program for 1-4 unit residential properties (Transaction Date on or after 1/1/2016 for regulated lenders)

· Sufficiency of coverage

· Escrow of insurance payment

Data Capture

Clayton collected data fields required to create American Securitization Forum (“ASF”) and Standard and Poor’s LEVELS 7.4. data disclosure requirements. Both of these file formats are provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape to file accuracy of each reviewed loan, by completing the following steps:

§ Tape data received from lender/client is stored in eCLAS;

§ Loan Reviewer collects validated loan data in eCLAS;

§ Each received data point is compared to its counterpart collected data point;

§ Discrepancies found during comparison are stored; and

§ Each discrepancy is reported on the Clayton Loan Level Tape Compare.

Data Compare Results

Clayton provided J.P. Morgan Mortgage Acquisition Corp. with copies of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Field Name	# of Loan	Accuracy
Borrower 1 First Time Home Buyer	3	97.52%
Borrower 1 Self-Employed	1	99.17%
Combined Loan to Value	7	94.21%
Debt to Income Ratio (Back)	5	95.87%
Disbursement Date	18	85.12%
First Payment Date	1	99.17%
Maturity Date	1	99.17%
Original Appraised Value	6	95.04%
Original Balance	1	99.17%
Original Loan to Value	5	95.87%
Original Principal and Interest	1	99.17%
Origination Channel	6	95.04%
Origination Date	7	94.21%
Property Type	3	97.52%

JPMMT 2021-6 Due Diligence Narrative Report Page | 7 April 14, 2021

 

Clayton Due Diligence Results

Below are the initial and final overall loan grades for this review, as well as the credit, property valuation, and regulatory compliance component review grades.

Initial and Final Overall Loan Grade Results

Loan Pool (121 loans)

	Overall Grade Migration
	Initial
Final		A	B	C	D	Total
	A	46		2	42	90
	B		2	18	10	30
	C				1	1
	D					0
	Total	46	2	20	53	121

The overall grade summary reflects the combination of the credit, property valuation and regulatory compliance component reviews into one overall grade. The overall grade assigned is the most severe grade from each of the component reviews.

Initial and Final Credit Component Grade Results

	Credit Grade Migration
	Initial
Final		A	B	C	D	Total
	A	107		4	3	114
	B		2	1	4	7
	C					0
	D					0
	Total	107	2	5	7	121

JPMMT 2021-6 Due Diligence Narrative Report Page | 8 April 14, 2021

 

Initial and Final Property Valuation Grade Results

	Property Valuation Grade Migration
	Initial
Final		A	B	C	D	Total
	A	76		1	43	120
	B					0
	C				1	1
	D					0
	Total	76	0	1	44	121

Initial and Final Regulatory Compliance Grade Results

	Compliance Grade Migration
	Initial
Final		A	B	C	D	Total
	A	87		4	7	98
	B		4	18	1	23
	C					0
	D					0
	Total	87	4	22	8	121

Clayton Third Party Reports Delivered

Clayton furnished the following reports on this transaction:

1. Narrative Report

2. Conditions Report

3. Loan Level Tape Compare Upload

4. Waived Conditions Summary Reports

5. Valuations Summary Reports

6. Attestation Forms

7. ASF Upload

8. Rating Agency ATR/QM Data Fields

JPMMT 2021-6 Due Diligence Narrative Report Page | 9 April 14, 2021

 

Appendix A: Credit Review Scope

For each mortgage loan, Clayton performed a guideline review utilizing specific guidelines furnished at the time of the review.

A. Verified that the characteristics of the mortgage loan and borrower conformed to the Sponsor Acquisition Criteria requirements including:

o DTI

o LTV/TLTV/HLTV

o Credit score

o Income and employment

o Assets and reserves

o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

o Borrower eligibility, including:

-Citizenship status

-Non- occupant co-borrower

o Transaction eligibility, including:

-Maximum loan amount

-Loan purpose

-Occupancy

o Noted any approved exceptions or waivers by the originator and/or aggregator to guidelines; verified that approved exceptions included required, documented compensating factors

B. As part of the guideline review, Clayton performed a credit analysis during which various documents were examined, including:

o Uniform Residential Loan Application reviewed to determine:

- Initial loan application was in the loan file and was signed by all borrowers

- Final loan application was in the loan file and was complete

- Information and debts disclosed on loan application aligned with related documentation in the loan file

o Employment analyzed and verified through use of various documents, including:

- Income documentation

- Verbal and/or written verifications of employments (VVOE, VOE)

- CPA letter

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- Business licenses

- Tax transcripts (IRS Form 4506-T)

- Other documentation in loan file

o Income review included:

- Required income documentation for all borrowers was present and within required time period

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

§ Signed by all borrowers and processed by the originator

§ Compared IRS tax transcripts to income documentation and noted any inconsistencies

- Income was recalculated and was documented with applicable documentation, including:

§ Tax returns

§ Financial statements

§ Paystubs

§ W-2s

§ 1099

§ IRS documents

§ Bank statements

§ Lease agreements

§ Award letters

§ Other documentation in loan file

o Asset review included:

- Asset documentation required to verify down payment, closing costs, prepaid items and reserves was present and within required timeframe, including:

§ Verification of deposits (VOD)

§ Depository account statements

§ Stock or security account statements

§ Gift funds

§ Settlements statements

§ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

§ Other documentation in loan file

- Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

o Credit Report review included:

- Complete copy of report was in loan file

- Report was dated within required timeframe

- All borrowers were included in the report

- Checked any fraud alerts against related loan file documentation

- Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation

- Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

- Captured and utilized appropriate credit score for guideline review

o Title policy review included:

- Title interest – determined if

§ Fee simple

§ Leasehold estate

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- Appropriate vestee(s) were listed on title policy

- Amount of coverage was greater than or equal to the original principal amount of the mortgage

- Applicable title endorsements were present

- Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction

- Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

- Captured monthly tax payments in debt ratio calculation

o HUD1 (Settlement Statement) review included:

- Funds to close identified and analyzed against borrower’s assets

- Seller contributions did not exceed maximum allowed

- Subject property, seller and borrower aligned with other loan documentation

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

o Hazard/Flood insurance review included:

- Verified presence of required hazard insurance and flood insurance (if required)

- Confirmed that any required insurance was for the:

§ Correct borrower

§ Correct property

§ Correct lender

§ Correct loan number

§ Life of loan, if flood insurance required

- Confirmed that any required insurance minimum coverage amount and policy period

- Reviewed for evidence that any required insurance policy premium was paid

- Confirmed that the mortgagee clause listed the lender’s name and “it’s successors and assigns”

- Confirmed that the payment amount on any required insurance was included in the debt ratio calculation

o Mortgage Insurance review included:

- Determined if mortgage insurance is required

- Captured mortgage insurance name, certificate # and percentage guarantee (when required)

C. For each mortgage loan, Clayton examined the mortgage or deed of trust for evidence of recordation. In lieu of a copy of the mortgage or deed of trust with recording information, a copy of the mortgage or deed of trust that is stamped “true and certified copy” by the escrow/settlement agent plus recording directions on closing instruction documentation was utilized as evidence for recording.

D. For each mortgage loan, Clayton utilized the results from an independent, third-party fraud tool along with information in the loan file to identify and address any potential misrepresentations including:

o Borrower identity

- Social Security inconsistencies

- Borrower name variations

o Occupancy

- Borrower address history

- Subject property ownership history

o Employment

o Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

o OFAC

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Appendix B: Origination Appraisal Assessment

For each Mortgage Loan, Clayton performed the following origination appraisal analysis:

A. Verified that the mortgage loan file contained an appraisal report and that it met the following criteria:

o Appraisal report used standard GSE forms, appropriate to the property type:

- FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium)

- FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD)

- FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD

- FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

- FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

- FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

o Appraisal report was reasonably complete and included:

- Appraisal report form, certification, statement of limiting conditions and scope of work

- Accurate identification of the subject property

- Accurate identification of the subject loan transaction

- Accurate identification of the property type, in both land and improvements

- All required attachments including:

§ Subject front, rear and street photos and valued features

§ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

§ Photos of all comparable sales and listings

§ Location map

§ Exterior sketch of property with dimensions

§ 1004MC Market Conditions Report

- Evidence that appraisal report was made “As Is” or provided satisfactory evidence of completion for all material conditions

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- Appraisal date met supplied Sponsor Acquisition Criteria

- If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

B. Performed a general credibility assessment of the results of the appraisal per Title XI of FIRREA and USPAP based on the following criteria:

o Title XI of FIRREA:

- If the appraisal was completed by a trainee or licensed appraiser unqualified to independently sign the report, an appropriately licensed appraiser co-signed as a supervisory appraiser and inspected the property

- Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser’s license included in the appraisal.

- Reviewed for the presence of any “red flags” related to the mortgaged property that may have posed a risk to the property or occupants

o USPAP

- Confirmed that the appraiser developed and communicated their analysis, opinion, and conclusion to intended users of their services in a manner that is meaningful and not misleading and that the appraisal is signed.

C. Reviewed and graded the appraisal valuation to the following criteria:

o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

- Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

- Comps used were reasonably recent in transaction date and if not the reason was furnished

- Comps used were reasonably similar to the subject property and if not an explanation was supplied

- Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

- Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline.

o Property was complete. However, if the property was not 100% complete, then any unfinished portion had no material impact to the value, safety, soundness, structural integrity, habitability or marketability of the subject property

o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:

- Appraisal was made on an “As Is” basis or provides satisfactory evidence of completion of all material conditions

- Property usage was reviewed for zoning compliance

- Property utilization was reviewed to determine it was “highest and best use”

- Neighborhood values were reviewed to determine if declining

- Market conditions were reviewed to determine indication of possible marketability issues:

§ Location

§ % built up

§ Growth rate

§ Demand/supply

§ Marketing time

§ Predominant occupancy

- Physical condition of the property was reviewed to determine that the property condition was average or better

- Style of property was reviewed to determine if unique property

- Any health and safety issues were noted and/or remediated

- Locational and/or environmental concerns adequately addressed if present

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D. Property Eligibility Criteria – Clayton reviewed the property to determine that the property met the client supplied eligibility requirements. Examples of ineligible property types may include:

o 3 to 4 unit owner occupied properties

o 2 to 4 unit second homes

o Unwarrantable or limited review condominiums

o Manufactured or mobile homes

o Condotel units

o Unique properties

o Working farms, ranches or orchards

o Mixed-use properties

o Properties subject to existing oil or gas leases

o Properties located in Hawaii Lava Zones 1 and 2

o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

E. Properties Affected by Disasters Criteria – Clayton reviewed the appraisal date against any FEMA Declared Disaster Areas that were designated for Individual and/or Public Assistance due to a federal government disaster declaration.

o If the appraisal date is before the FEMA Effective Date for any of the disasters listed, Clayton will specify whether or not there has been a property inspection since the date listed, the latest inspection date, whether or not new damage has been indicated, and the amount of said damage.

F. Disclaimer

o The individuals performing the aforementioned original appraisal assessment are not persons providing valuations for purposes of the Uniform Standards of Professional Appraisal Practice (“USPAP”) or necessarily licensed as appraisers under Federal or State law, and the services being performed by such persons do not constitute “appraisal reviews” for purposes of USPAP or Federal or State law.

o Clayton makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Clayton may have reviewed valuation information for reasonableness

o Clayton is not an ‘AMC’ (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property

o Clayton is not a ‘creditor’ within the meaning of ECOA or other lending laws and regulations, and therefore Clayton will not have any communication with or responsibility to any individual consumer concerning property valuation.

o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk Review definitions

o Clear Capital “CDA” means a written retrospective analysis of an appraisal of residential real property relating to completeness, reasonableness, and relevance. The relevant appraisal shall be provided to Clear Capital by Customer. The CDA will offer an alternative value, if deemed appropriate, based on the analysis of the competitive market as of the effective date of the appraisal provided.  The CDA will also provide an analysis of the appraisal provided, including supporting narrative and data to fully support the CDA value and outline deficiencies within the appraisal. The CDA will also contain a Risk Score and Risk Indicators based upon the findings of the analysis for the appraisal provided to Clear Capital by Customer. 

o ProTeck’s Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file completed by a licensed appraiser. The ARR validates subject and comparable data and characteristics, confirms the original appraiser’s methodologies, credentials, and commentary to insure compliance with regulatory requirements and industry accepted best practices, and flags all risk factors while also providing final value reconciliation used to grade the loan.

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Appendix C: Regulatory Compliance Review Scope

This appendix provides an overview of Clayton’s proprietary compliance system for 1-4 family residential mortgage loans in the due diligence process to determine, to the extent possible and subject to the caveats below, whether the loans comply with federal, state and local laws. The Disclaimer section explains limitations that you should be aware of. Additional details on the items listed below as well as Clayton’s state, county and municipal testing can be provided upon request. The compliance engine is fully integrated into Clayton’s proprietary due diligence platform, eCLAS.

Federal Law

A. RESPA and Regulation X: Loan level analysis on the following:

o GFE/HUD1: confirm the correct version of the GFE and HUD1 were properly completed under the Regulation X Final Rule that became mandatory on January 1, 2010

o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

o Final GFE: Verification that increases to fees from the initial GFE were disclosed within 3 days of valid changed circumstance documentation within the loan file

o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

o Final GFE to HUD1 tolerance fee evaluation: confirm the fees charged on the HUD1 do not exceed the Final GFE in the 0% or 10% fee tolerance categories, including a review for a Settlement Service Provider List if the lender excludes fees that the borrower can shop for.

o Affiliated Business Disclosure: if the loan file indicates the lender or broker referred the borrower to a known affiliate, confirm the disclosure was provided to the borrower

o Homeownership Counseling Notice: for loan applications on or after 1/10/2014, confirm the notice was provided to the borrower within 3 days of application

B. Truth in Lending Act and Regulation Z - Loan level analysis on the following:

o TIL Disclosure: Content of Disclosures – perform an independent recalculation of the finance charges and APR to determine whether the amounts disclosed on the final TIL were within allowable tolerances. Payment schedule accuracy, including under the Mortgage Disclosure Improvement Act for loans applications on or after January 30, 2010. Additional disclosure content with a focus on the consistency of the prepayment penalty disclosure and assumption policy with the note and security instrument.

o Mortgage Disclosure Improvement Act, (3/7/3 rule): Confirm the timing of the initial TIL disclosure within 3 days of application, 7 days prior to consummation, and corrected TIL disclosures provided at least 3 days prior to consummation for applications received on or after July 30, 2009 (Section 19)

o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file

o Right of Rescission – Review the disclosure form type, disclosure timing, disclosed dates, other material disclosures, and the loan disbursement (Section 23)

o High Cost mortgage thresholds for points and fees (Section 32)

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o High Cost Prohibited Acts and Practices upon request (Section 33)

o Higher Priced Mortgage Loan thresholds for APR in relation to the APOR. Including Escrow and appraisal requirements (Section 35)

o Prohibited Acts or Practices including testing the Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling (Section 36)

o ATR/QM Ability to Repay, aka Minimum Standards for Transactions: for applications on or after 1/10/2014, confirm the loan file contains documentation to evidence the lender considered and verified the borrower has the ability to repay in accordance with the ATR requirements This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. Non QM loans will be reviewed to ensure the lender documented that they considered and verified the 8 underwriting factors as required for ATR compliance. This review also includes evaluating loans against the new TILA prepayment penalty restrictions (Section 43)

o TILA/RESPA Integrated Disclosures (“TRID”)

§ Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate (“LE”) and Closing Disclosure (“CD”)

§ Pre-application Requirement Testing:

· Pre-application forms cannot look similar to the LE

· Pre-application forms must contain the required disclaimer (“Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan”).

§ Timing Requirements:

· The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

· The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

· That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

§ Fee Tolerances:

· Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

· If a credit or refund is made, that it is sufficient to cover Clayton’s calculated under-disclosure.

§ Payment Schedule Accuracy:

· The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton’s calculated payment schedule.

· Interest-only periods and final balloon payments are accurately completed.

· The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

· When applicable, that the AIR and AP tables are consistent with Clayton’s calculations.

§ Accuracy of the Loan Calculations

· Amount Financed

· Finance Charge

· Total of Payments

· Total interest percentage

§ Technical Requirements

· Compliance with the TRID rounding rules.

· Compliance with specified formatting requirements.

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· Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

· Alphabetization of fees.

· Title fees preceded by “Title –.”

· Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

§ Consistency within and across forms

· Once a fee is disclosed it must remain substantially the same name across disclosures.

· Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

· Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

· Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

§ Completion of the LE and CD

· All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

· For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

· That there is either a signature or a Loan Acceptance statement on the form.

§ Waivers

· Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

§ Corrected CD requiring a new waiting period

· Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

· Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

· Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

§ Post-Close CD’s

· Corrected CD’s provided with a post-close refund.

· Post-close CD’s to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

· Post-close CD’s to correct non-numerical clerical errors required within 60 days of consummation.

§ Related Documentation

· Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

· Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

· Affiliated Business Disclosure (can impact fee tolerances)

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§ Outside of Clayton’s default TRID scope:

· Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

· Whether the Liability after Foreclosure selection is correct for the property state.

· Accuracy of the Aggregate Adjustment amount.

· Presence and accuracy of the Seller’s Transaction columns of the Summaries of Transactions section.

· Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

C. FACTA - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

D. HMDA – Whether the loans is Rate Spread threshold reportable.

STATE, COUNTY and MUNICIPAL LAW

A. Higher-Priced

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

Higher-Priced
California	Maryland	New York
Connecticut	Massachusetts (subprime ARMS to first time homebuyers)	North Carolina
Maine	Minnesota

B. State/Local High Cost

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

State/Local High Cost
Arkansas	Maine	Pennsylvania
California	Maryland	Rhode Island, including the Providence ordinance
Colorado	Massachusetts	South Carolina
Connecticut	Nevada	Tennessee
District of Columbia	New Jersey	Texas
Florida	New Mexico	Utah
Georgia	New York	Vermont (High Rate, High Point law)

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State/Local High Cost
Illinois, including the Cook County and Chicago ordinances	North Carolina	Wisconsin
Indiana	Ohio, including Cleveland Heights ordinance
Kentucky	Oklahoma

C. Anti-Predatory

Several states have laws that do not create a separate class of high cost or higher-priced mortgage loans, but set APR or finance charge ceilings and may also set forth similar anti-predatory lending restrictions as found in high cost laws. Clayton tests for compliance with such laws in the following states:

· Minnesota (Mortgage Originator and Service Licensing Act)

· Puerto Rico (Office Regulation 5722)

· Texas (Texas Finance Code)

· West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

D. Borrower’s Interest

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower’s interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

Borrower’s Interest
Maine	Ohio	South Carolina
Massachusetts	Rhode Island

E. Consumer Protection

Several states have laws that neither create a separate class of high cost or higher-priced mortgage loan, nor impose a ceiling on the overall fees or APR, but nonetheless contain requirements and restrictions on mortgage loans that may impact the assignee or the lien. Clayton tests for compliance with such laws, including late charge and prepayment penalty provisions, in the following states and municipalities:

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Consumer Protection
Alabama (the “Mini-code”)	Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act)
Hawaii (Financial Services Loan Company Act)	Nevada (AB 440
Idaho (Residential Mortgage Practices Act)	Ohio (Consumer Sales Practices Act; whether the loan is in Summit County)
Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act)	Texas (Article XVI, Section 50(a)(6) of the Texas Constitution)
Iowa (Consumer Credit Code)	Utah (Consumer Credit Code)
Kansas (Consumer Credit Code)	Virginia (Mortgage Lender and Broker Act)
Kentucky (HB 552)	Washington (Consumer Loan Act and Responsible Mortgage Lending Act)
Maryland (DLLR Regulations, Commercial Law)	West Virginia (Consumer Credit Protection Act)
Massachusetts (Attorney General regulations)	Wyoming (Residential Mortgage Practices Act)
Michigan (Consumer Mortgage Protection Act)

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

F. Texas Equity

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

GSE Testing

Clayton can review loans to determine whether they comply with Fannie Mae’s and Freddie Mac’s Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

Disclaimer

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton’s review is focused on issues that raise concerns for secondary market investors and other

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assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton’s review is not designed to fully test a lender’s compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.

© 2021 Clayton Services LLC. All rights reserved.

This material is confidential and may not be copied, used, or distributed without the written permission of Clayton Services LLC.

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EX-99.7

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.7

Seller Loan ID	Alt Loan Number	Borrower Last Name	Field Name	Tape Data	Reviewer Data
XXXXXX	302476667	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302483210	XXXXXX	Debt to Income Ratio (Back)	31.4960	28.0200
XXXXXX	302493604	XXXXXX	Property Type	SFR-Attached	SFR
XXXXXX	302493601	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302483146	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302483145	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302490742	XXXXXX	Borrower 1 First Time Home Buyer	No	Yes
XXXXXX	302490742	XXXXXX	Origination Channel	Correspondent Flow with delegated underwriting	Broker
XXXXXX	302403297	XXXXXX	Origination Channel	Correspondent Flow with delegated underwriting	Broker
XXXXXX	302541744	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
XXXXXX	302136733	XXXXXX	Origination Channel	Correspondent Flow with delegated underwriting	Broker
XXXXXX	302316432	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
XXXXXX	302270487	XXXXXX	Original Balance	XXXXXX	XXXXXX
XXXXXX	302270487	XXXXXX	Origination Date	XXXXXX	XXXXXX
XXXXXX	302408762	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302315006	XXXXXX	Combined LTV	72.62	76.25
XXXXXX	302315006	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
XXXXXX	302315006	XXXXXX	Original LTV	72.62	76.25
XXXXXX	302306393	XXXXXX	Combined LTV	43.24	41.14
XXXXXX	302306393	XXXXXX	Debt to Income Ratio (Back)	24.0030	20.0395
XXXXXX	302306393	XXXXXX	First Payment Date	XXXXXX	XXXXXX
XXXXXX	302306393	XXXXXX	Maturity Date	XXXXXX	XXXXXX
XXXXXX	302334885	XXXXXX	Debt to Income Ratio (Back)	29.2340	22.4400
XXXXXX	302334885	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302334884	XXXXXX	Combined LTV	59.14	60.73
XXXXXX	302334884	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
XXXXXX	302334884	XXXXXX	Original LTV	59.14	60.73
XXXXXX	302336599	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302336595	XXXXXX	Origination Date	XXXXXX	XXXXXX
XXXXXX	302338179	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302339291	XXXXXX	Origination Date	XXXXXX	XXXXXX
XXXXXX	302366986	XXXXXX	Combined LTV	61.11	59.95
XXXXXX	302366986	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
XXXXXX	302366986	XXXXXX	Original LTV	61.11	59.95
XXXXXX	302366986	XXXXXX	Origination Date	XXXXXX	XXXXXX
XXXXXX	302493506	XXXXXX	Debt to Income Ratio (Back)	35.8990	14.9694
XXXXXX	302493506	XXXXXX	Property Type	Condotel	Site Condo
XXXXXX	302371088	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302372925	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302372917	XXXXXX	Combined LTV	80.00	77.44
XXXXXX	302372917	XXXXXX	Original LTV	80.00	77.44
XXXXXX	302372914	XXXXXX	Combined LTV	49.74	48.69
XXXXXX	302372914	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302404435	XXXXXX	Origination Channel	Correspondent Flow with delegated underwriting	Broker
XXXXXX	302401365	XXXXXX	Combined LTV	62.17	59.97
XXXXXX	302401365	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302401365	XXXXXX	Original Appraised Value	XXXXXX	XXXXXX
XXXXXX	302401365	XXXXXX	Original LTV	62.17	59.97
XXXXXX	302459170	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302410441	XXXXXX	Origination Date	XXXXXX	XXXXXX
XXXXXX	302459168	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302460758	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
XXXXXX	302464898	XXXXXX	Origination Channel	Correspondent Flow with delegated underwriting	Broker
XXXXXX	302462877	XXXXXX	Borrower 1 Self Employed Flag	Yes	No
XXXXXX	302473047	XXXXXX	Origination Channel	Correspondent Flow with delegated underwriting	Broker
XXXXXX	302488405	XXXXXX	Debt to Income Ratio (Back)	53.7830	24.2075
XXXXXX	302477493	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302486624	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302486624	XXXXXX	Origination Date	XXXXXX	XXXXXX
XXXXXX	302492747	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302492744	XXXXXX	Borrower 1 First Time Home Buyer	Yes	No
XXXXXX	302492744	XXXXXX	Disbursement Date	XXXXXX	XXXXXX
XXXXXX	302324342	XXXXXX	Property Type	Condotel	Low Rise Condo (1-4)
XXXXXX	302483044	XXXXXX	Origination Date	XXXXXX	XXXXXX
XXXXXX	302272909	XXXXXX	Original P&I	XXXXXX	XXXXXX
©2021 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

EX-99.8

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.8

Seller Loan ID

Alt Loan Number

Original Principal Balance

State

Initial Lender ATR/QM Status

Loan Level ATR/QM Status

Initial Securitization Overall Loan Grade

Final Securitization Overall Loan Grade

Initial Securitization Credit Loan Grade

Final Securitization Credit Loan Grade

Initial Securitization Property Valuations Loan Grade

Final Securitization Property Valuations Loan Grade

Initial Securitization Compliance Loan Grade

Final Securitization Compliance Loan Grade

Initial S&P Overall Loan Grade

Final S&P Overall Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Property Valuations Loan Grade

Final S&P Property Valuations Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Condition Category

Condition Sub Category

Condition Status

Initial Securitization Condition Grade

Final Securitization Condition Grade

Initial S&P Condition Grade

Final S&P Condition Grade

Condition Code

Condition Description

Condition Material Indicator

Initial Comments

Client/Seller Response Comments

Conclusion Comments

TRID Error Type

Cure Method

Compensating Factors

XXXXXX

302483279

XXXXXX

WA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5251

TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures

No

CD XXX -Loan Disclosures, Escrow Account-Est Property Cost over Year XXX.CD: XXX Projected Payments-Estimated Taxes, Insurance & Assessments, Value: XXX.XXX

02/24/2021 Client provided PCCD XXX with correction, E-mail for delivery and LOE.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 24.47% is 18.53% below guideline maximum 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 797 exceeds the minimum score.

XXXXXX

302476667

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Pending receipt of LP matching loan documents

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  810 credit Score CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.52% LTV max allowed is 80%

XXXXXX

302476667

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Credit

Application

Satisfied

D

A

D

A

CRDAPP130

Application is incomplete

No

Lender to provide updated final 1003 to reflects the correct order of employment history, employment dates that matches VOE's in file

2/16 Client an updated LP that show cash out amount of $501.  The file CD shows cash to borrower in the amount of $XXX.  Provide updated LP with correct cash out amount. 3/5 Client provided the updated LP with correct cash out amount

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  810 credit Score CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.52% LTV max allowed is 80%

XXXXXX

302476667

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Credit

Assets

Satisfied

D

A

D

A

CRDAST2304

Unverified Assets

No

Org LP in file shows $500 in retirement funds being used to qualify. Lender to provide proof of retirement funds or update final 1003 and Final LP that does not reflect assets being used.

2/16 Client provided an updated LP approval with $XXX  in eligible assets, with $0 required to be verified.

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  810 credit Score CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.52% LTV max allowed is 80%

XXXXXX

302476667

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Lender to provide 12 month VOM from subj property. Not reporting on credit report but Mtg Statement on page 108 has borrowers name on it.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  810 credit Score CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.52% LTV max allowed is 80%

XXXXXX

302476667

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER146

Missing lender's loan approval/underwriting form

No

Lender to provide Final LP that matches income and Data used in Final 1008 and final 1003

2/16 Client an updated LP that show cash out amount of $501.  The file CD shows cash to borrower in the amount of $XXX.  Provide updated LP with correct cash out amount. 2/25 Client provided and updated KP with correct cash out.

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  810 credit Score CFCFS1737: LTV below guideline requirements - Clayton Comments:  59.52% LTV max allowed is 80%

XXXXXX

302505503

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Representative credit score of 793 exceeds guideline minimum score. CFCFS1736: Significant time at current residence - Clayton Comments:  5 Years 8 Months at current residence CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co- borrower has 6 Years on the job. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 year in the same profession.

XXXXXX

302488290

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing Updated valuation(CU Score is > 2.5).

2.24.21 Desk Review received value supported.

2.24.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 19.54% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 782 exceeds guideline minimum score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 60% is below guideline maximum LTV.

XXXXXX

302476625

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Credit

Assets

Satisfied

C

A

C

A

CRDAST205

Insufficient Funds to Close

No

CD in file dated XXX list $XXX Cash from borrower.

2/17 Client provided a corrected CD with $XXX cash to borrower

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 740 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.39% is below guideline maximum DTI. CFCFS2860: Good credit history - Clayton Comments:  0 x 30 since 2007 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 30years in the profession.

XXXXXX

302476625

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Credit

Terms/Guidelines

Satisfied

N/A

A

N/A

A

CRDTER2548

Missing AUS or AUS errors present

No

LP in file reflects $XXX cash out, which does not match the $XXX listed on the PCCD dated XXX.

2/24 Client provided an updated AUS with correct cash out.

Condition satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 740 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.39% is below guideline maximum DTI. CFCFS2860: Good credit history - Clayton Comments:  0 x 30 since 2007 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 30years in the profession.

XXXXXX

302476625

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

FEMA declaration effective XXX,appraisal dated XXX Provide a post disaster inspection.

2/17 Client provided an updated appraisal with signature date of XXX, stating no damage has occurred to subject or surrounding area

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 740 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.39% is below guideline maximum DTI. CFCFS2860: Good credit history - Clayton Comments:  0 x 30 since 2007 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 30years in the profession.

XXXXXX

302488266

XXXXXX

NY

QM: Safe Harbor

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 772 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 17.34% is below guideline maximum DTI.

XXXXXX

302515165

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value.  CU score 4.5

3.8.21 Desk Review received value supported.

3.8.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 29.01% is below the guideline max allowed of 43% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in line of profession for over 24 years

XXXXXX

302493632

XXXXXX

WA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Final CD XXX disbursement date reflects XXX.  Right to cancel reflects initialed borrower change date to cancel of XXX.  Loan closed prior to statutory rescission period.  Lender must reopen ROR to the borrower, provide corrected CD, and LOX to the borrower citing specific reason for corrected CD.

03/04/2021 Client provided PCCD XXX with corrections and email for LOE and delivery.  Also provided Final Settlement Statement confirming disbursement after rescission period.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.02% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 783 exceeds guideline minimum score.

XXXXXX

302493632

XXXXXX

WA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Provide a 2055 Drive By Appraisal AND an AVM to support the 2055.

2.24.21 AVM received value supported, Pending 2055 3.18.21 2055 received value supported

Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.02% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 783 exceeds guideline minimum score.

XXXXXX

302493632

XXXXXX

WA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Property Valuations

FEMA

Satisfied

B

A

B

A

PRVAFEMA856

Natural Disaster Area, no subsequent inspection (Public)

No

Missing Subsequent Inspection

Inspection confirmed no damage to property

Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.02% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 783 exceeds guideline minimum score.

XXXXXX

302483210

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing 2055 Drive By Appraisal AND an AVM to support the 2055.

2.18.21 AVM received value supported. 2055 received value supported.

Exception Satisfied.

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history, 0x30x54 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Coborrower with current employer for 22 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.02% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 776 exceeds guideline minimum score.

XXXXXX

302483210

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

No inspection since the XXX Fema Disaster for Wildfires.

Based on information regarding the containment of wildfires in specified zip codes from Ca.Gov/CaFire we will satisfy the exception as this property is not located in the zip codes listing structural damages.

Condition satisfied

(No Data)

Not Applicable

CFCFS1739: Postive mortgage payment history - Clayton Comments:  Positive mortgage payment history, 0x30x54 months. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Coborrower with current employer for 22 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.02% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 776 exceeds guideline minimum score.

XXXXXX

302483192

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  10 years on the job CFCFS2854: Significant time in profession - Clayton Comments:  30 years in profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 22.54% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 747 exceeds guideline minimum score.

XXXXXX

302488192

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 23 years on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 803 exceeds guidelines. CFCFS2860: Good credit history - Clayton Comments:  0 * 30 since 2009 . CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.15% is below guideline maximum DTI.

XXXXXX

302493604

XXXXXX

MD

QM: Safe Harbor

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 37years on current Job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.29 is below guidelines maximum DTI. . CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 787 exceeds the guidelines minimum score. .

XXXXXX

302483162

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 12 years and 3 months. CFCFS2860: Good credit history - Clayton Comments:  0 * 30 since 2004. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit score of 778 exceed the minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.49% is below the maximum DTI.

XXXXXX

302493601

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Provide a 2055 Drive By Appraisal AND an AVM to support the 2055.

2.24.21 AVM received value supported, pending 2055. 3.12.21 2055 received value supported.

Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  18 years on the job. CFCFS2854: Significant time in profession - Clayton Comments:  20 years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 747 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34.13% is below guideline maximum DTI.

XXXXXX

302493601

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Missing subsequent Inspection.

Based on information regarding the containment of wildfires in specified zip codes from Ca.Gov/CaFire we will satisfy the exception as this property is not located in the zip codes listing structural damages.

Condition satisfied

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  18 years on the job. CFCFS2854: Significant time in profession - Clayton Comments:  20 years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 747 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34.13% is below guideline maximum DTI.

XXXXXX

302483148

XXXXXX

WA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 747 exceeds guideline minimum score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 64.17% is below guideline maximum LTV.

XXXXXX

302483146

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  10 years in Profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  731 Exceed 700 Credit score guideline

XXXXXX

302483145

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  17years in profession CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years on the job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 780 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 26.40% is below guideline maximum DTI.

XXXXXX

302045410

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score 751 exceeds guidelines CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 36.63% below guideline requirement

XXXXXX

302490743

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  16 years on the job. CFCFS2854: Significant time in profession - Clayton Comments:  16 years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 768 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 13.07% is below guideline maximum DTI.

XXXXXX

302490743

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  16 years on the job. CFCFS2854: Significant time in profession - Clayton Comments:  16 years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 768 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 13.07% is below guideline maximum DTI.

XXXXXX

302490742

XXXXXX

NV

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value.  CU score 4.3

3.19.21 Desk Review received value supported.

3.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for over 21 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower having $134,362.33 cash reserve which exceeds the guideline requirement CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 800 exceeds guideline minimum score.

XXXXXX

302403297

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Credit

Terms/Guidelines

Active

B

B

B

B

CRDTER110

Loan amount exceeds guideline maximum

No

Per Guidelines Matrix Jumbo Advantage Max loan amount for a First Time Home buyer is $XXX.Loan amount is $XXX

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  746 credit score min required is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVES15 months $ 80,727.90Verified Assets $496,342.41  FTC $243,195.89 = $253,146.52 (47.04 months )

XXXXXX

302403297

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

The full appraisal as of XXX was $XXX with a CU rating of 2.8, CDA is required

2.18.21 Desk Review received value supported.

2.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  746 credit score min required is 700 CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVES15 months $ 80,727.90Verified Assets $496,342.41  FTC $243,195.89 = $253,146.52 (47.04 months )

XXXXXX

302541744

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID4056

TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount

No

Exception satisfied with PCCD XXX

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2 having been in profession for over 10 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No derogatory marks on credit reports, no lates or foreclosures

XXXXXX

302541744

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value.  CU score 4.7

3.10.21 Desk Review received value supported.

3.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2 having been in profession for over 10 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No derogatory marks on credit reports, no lates or foreclosures

XXXXXX

302541744

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

FEMA

Satisfied

C

A

C

A

PRVAFEMA858

Natural Disaster Area, no subsequent inspection  (Individual & Public)

No

Declaration date XXX; effective date XXX. Wildfires.  Missing subsequent inspection

3.15.21 Inspection confirmed no damage to property.

3.15.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 2 having been in profession for over 10 years CFCFS1739: Postive mortgage payment history - Clayton Comments:  No derogatory marks on credit reports, no lates or foreclosures

XXXXXX

302136733

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

C

A

A

D

C

C

A

D

C

A

A

D

C

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3626

TRID - CD: Loan consummated before end of waiting period

No

Provide Initial CD XXX. Per disclosure tracking in file.

11/30/20 Client provided the Initial XXX CD with e-signatures and Tracking.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same company for over 8 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  PCL requirement is 15 months or $59,041.35; borrower has exceeded this requirement

XXXXXX

302136733

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

C

A

A

D

C

C

A

D

C

A

A

D

C

C

A

Property Valuations

Appraisal

Waived

D

C

D

C

PRVAAPPR275

Completed "Subject To" w/o Completion Cert in File

Yes

Missing completion cert in the file.

11.24.2020 Client requested exception approval to allow for escrow holdback (new construction) for 3rd party contract for postponed improvement of pool/spa package, AND cost of improvement exceeding 3% of appraised value (XXX).

Final grade C, compensating factors: fico score 785, borrower over 8 years with current XXX, verified reserves 21.37 months.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same company for over 8 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  PCL requirement is 15 months or $59,041.35; borrower has exceeded this requirement

XXXXXX

302315010

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

CD XXX -Section B-Survey fee added without valid COC-Increase of $250.00.Lender to provide corrected CD and LOX to borrower citing specific reason for corrected CD, refund, proof of delivery within 60 days of consummation.

02/19/2021 Client provided COC dated XXX reflecting Fee of 250.00 added for adverse site conditions. No refund required.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 32.71% which is below the guideline max allowed of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers cash reserves are $267,501.44 exceeding guidelines

XXXXXX

302316432

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Credit

Terms/Guidelines

Satisfied

D

A

D

A

CRDTER2548

Missing AUS or AUS errors present

No

Lender to clarify which way file to be reviewed/underwritten.  File documentation reflects discrepancy on how loan was reviewed.1003 reflects LP AUS, also reflects Approve/Eligible Jumbo Advantage and Lender LOE (pg 40) reflects DU approve/eligible also.File have an exterior appraisal in which would not be acceptable for Manual Jumbo Advantage underwriting.  Lender to clarify and document which way file was underwritten and if applicable provide the Approve AUS.  Upon receipt and review file to be underwritten accordingly to guidelines or AUS.

1/27 Client provided Decision Logic (loan approval) indicating loan is a Jumbo Advantage file

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 748 exceeds guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time (15 years) at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $313,522.15 or 70.90 months

XXXXXX

302316432

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

C

A

C

A

PRVAAPPR169

Appraisal includes one or more issue(s)

No

File currently have an 2055 exterior appraisal inspectionFile was submitted as Manual underwrite however Lender LOE in file (pg 40) states DU Approve/Eligible.  NO DU approval found in file.  If file is a manual LD advantage jumbo underwrite than a full appraisal is required

1/27 Client provided a Decision logic (loan Approval) indicating the file is a Jumbo Advantage loan; Provide a full 1004D appraisal  2/19 Client provided a 1004 appraisal

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 748 exceeds guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time (15 years) at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $313,522.15 or 70.90 months

XXXXXX

302316432

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing 3rd party CDA valuation supporting appraised value $XXX

1.14.21 Desk Review received value supported.

1.14.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 748 exceeds guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time (15 years) at current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $313,522.15 or 70.90 months

XXXXXX

302401371

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation to support appraisal. No CU score reported

2.28.21 Desk Review received value supported.

2.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1 FICO score 793B2 FICO score 770 CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower 1 has been with same company for over 6 years

XXXXXX

302315917

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXX -Disbursement Date- XXXRight to cancel reflects initialed borrower change date to cancel of XXXLoan closed prior to statutory rescission period.Lender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD.

02/10/2021 Client provided PCCD with corrected disbursement date, along with disclosure tracking for delivery.  Also provided Final Settlement Statement confirming disbursement after the end of rescission period.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 69.07% is below guideline maximum LTV. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 806 exceeds guideline minimum score.

XXXXXX

302270487

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXX disbursement date reflects XXXRight to cancel reflects date to cancel of XXXLoan closed prior to statutory rescission periodLender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD

03/22/2021 Client provided PCCD XXX with corrected Disbursement Date, LOE and Disclosure Tracking for delivery.   Condition remains for Final Settlement Statement confirming Disburse after Rescission period. 03/24/2021 Client provided Final Settlement Statement confirming disbursed after rescission period.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 780 exceeds guidelines minimum score. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in the profession. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 25.51% is below guidelines maximum DTI.

XXXXXX

302408762

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  FICO score 750 CFCFS2854: Significant time in profession - Clayton Comments:  Significant time in profession of 26 years

XXXXXX

302318376

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Provide a CDA supporting the appraised value

12.30.20 Desk Review received value supported.

12.30.20 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  6 years in the same profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 26.99% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 771 exceeds guideline minimum score.

XXXXXX

302278993

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Compliance

Right of Rescission

Satisfied

D

A

D

A

CMPROR5345

ROR - Missing or Incomplete Right of Rescission form

No

Provide executed Right of Rescission (H8).

12/29/2020 Client provided missing H9 ROR forms for Refinance with original Lender per title, executed at closing for Both title holders.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 792 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.24% is below guideline maximum DTI. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV 79.37 % Guidelines allow 90 % CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 16 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 328,601.75 Verified as 43.84 months PITIA Guidelines require 9 months or ($ 7,494.76 X 9 = $ 67,452.84)

XXXXXX

302278993

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Compliance

State Consumer Protection

Satisfied

D

A

D

A

CMPSTCP2057

Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file

No

Provide Illinois Cert of Compliance or Cert of Exemption.

12/29/2020 Client provided missing Certificate of Compliance.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 792 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.24% is below guideline maximum DTI. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV 79.37 % Guidelines allow 90 % CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 16 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 328,601.75 Verified as 43.84 months PITIA Guidelines require 9 months or ($ 7,494.76 X 9 = $ 67,452.84)

XXXXXX

302278993

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated valuation

12.30.20 Desk Review received value supported.

12.30.20 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit Score of 792 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.24% is below guideline maximum DTI. CFCFS1737: LTV below guideline requirements - Clayton Comments:  Low LTV/CLTV 79.37 % Guidelines allow 90 % CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 16 Years in Current Profession CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post-Closing Reserves of $ 328,601.75 Verified as 43.84 months PITIA Guidelines require 9 months or ($ 7,494.76 X 9 = $ 67,452.84)

XXXXXX

302393563

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5251

TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures

No

CD XXX -Estimated Non Escrowed Costs Over Year 1, Value: XXX.Estimated Taxes, Insurance & Assessments, Value: XXX.XXX. A difference of XXX annually.

03/23/2021 Client provided PCCD XXX reflecting Projected Payments, Field: Estimated Taxes, Insurance & Assessments, Value: XXX and Loan Disclosures, Field: Estimated Costs Over Year 1, Value: XXX.  Condition remains as values do not calculate.  Provide PCCD with corrected escrows calculated from page 1 Projected payment and page 4 loan disclosures, LOE to Borrower and evidence of shipment.03/24/2021 Client provided Rebuttal stating PCCD is correct. Hazard Ins has been paid for the year and Estimated total  for 1 year reflects only the yearly tax amount.   Estimate monthly is taxes and Ins.

Condition Satisfied.

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in his profession for over 15 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 36.06% which is below the guideline max allowed of 43% CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 760 exceeds guideline minimum score.

XXXXXX

302408760

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

CD XXX Section BCertificate of Occupancy fee of 25.00 added with no valid COC.  Provide proof of refund, revised Closing Disclosure and COC explaining changes.

02/24/2021 Client provided PCCD XXX with Duplicate of SPL in file explaining Title fee in section B is not listed as provider on SPL,  Borrower chose their own and is a C fee that has been clerically corrected to section C. Retested with no violation.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 exceeds the minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 9years and 5months on current job. CFCFS2860: Good credit history - Clayton Comments:  0 * 30 since 2004. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.70% is below guideline maximum DTI.

XXXXXX

302408760

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value .CU score is 3.

2.19.21 Desk Review received value supported.

2.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 exceeds the minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 9years and 5months on current job. CFCFS2860: Good credit history - Clayton Comments:  0 * 30 since 2004. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.70% is below guideline maximum DTI.

XXXXXX

302289049

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Compliance

Ability to Repay/Qualified Mortgage

Satisfied

D

A

D

A

CMPATRQM3220

TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.

No

Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status.  Subject monthly taxes under review

1.12.2021 Client did not provide any documentation regarding subject monthly taxes.  Condition remains1.19.2021 Client provided Lender QM XXX and Compliance Ease report, however this condition remains for, 1}. subject monthly taxes being under review for final DTI calculation and 2}. signed dated 2019 1040 (they are in the file however not signed/dated) OR provide prior to closing 2019 1040 transcripts. 1/19 Upon review by Clayton Sr. UW, file contained the e-file authorization form and 2020 tax bill.

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 803 exceeds guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time (8 years) current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $783,827.08 or 81.90 months

XXXXXX

302289049

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Exception satisfied. Final Grade A.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 803 exceeds guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time (8 years) current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $783,827.08 or 81.90 months

XXXXXX

302289049

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

Borrower current housing is renting since March 2020 (per Lease agreement), file have bank statements covering monthly rents $8,500 however does not cover 12 months.  Provide prior rental housing history.  Per 1003 borrower previously rented in XXX.

1.12.2021 Client provided duplicate documents that were in original loan file however still missing the prior housing history covering 12 month history, in addition per 1003 borrower previously rented in XXX.

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 803 exceeds guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time (8 years) current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $783,827.08 or 81.90 months

XXXXXX

302289049

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Credit

DTI

Active

B

B

B

B

CRDDTI105

Debt Ratio Exception 5% or Less

No

Current DTI is 42.78% with using monthly taxes $803.57 per 2020 Tax Certificate (pg 415).  However file have 2 appraisals in which is required per guidelines, both appraisals have yearly taxes of $11,355 for a monthly of $946.25 in which would put the DTI at 43.20% if used this monthly figure.  Clarification is needed on higher taxes on appraisal vs what is being used for qualifying.  Upon receipt and review, adjustment to DTI may be required.  Currently DTI is 42.78% (without using the appraisal taxes).

1.12.2021 Client did not provide any documentation regarding subject monthly taxes differ from appraiser higher taxes. Condition remains

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 803 exceeds guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time (8 years) current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $783,827.08 or 81.90 months

XXXXXX

302289049

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

Regarding PITI on other REO owned (XXX), MTG is w/XXX and credit report reflects PITI $5,186 and Loan History in file (pg 613) reflects bi weekly payments for a total monthly payment of $8,000.  Further verification from Regions on PITI on this property.  Upon receipt and review, if PITI for this property exceeds $5,186 than re-calculating of rental property is required, currently using $5,186 for the PITI payment. Subject DTI is 42.78% with using PITI payment of $5,186

1.12.2021 Client provided copy of Regions Mortgage Statement verifying biweekly payments of $2,393.92 for a monthly payment of $5,186 in which is what was used for qualifying.

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 803 exceeds guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time (8 years) current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $783,827.08 or 81.90 months

XXXXXX

302289049

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

Credit

Income/Employment

Satisfied

D

A

D

A

CRDINC2408

Income verification does not meet guidelines

No

Rental income was used.  File have 2018/2019 1040 Personal returns however missing 2018/2019 1040 Transcripts.Per guidelines (pg 23) if tax returns are used for rental income, transcripts are required. Note:  File have 2019 1040 tax returns however unsigned.  Upon receipt of 1040 Transcripts, if post close date than will need signed dated 2019 1040 tax returns.

1.12.2021 Client provided duplicate copy of 2018/2019 1040 personal returns, per initial condition, missing 2018/2019 1040 Transcripts.  Condition remains 2/12 Client provided the executed 4506T. Provide the corresponding results/transcripts. 2/23 Client provided the IRS transcripts

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 803 exceeds guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time (8 years) current job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves $783,827.08 or 81.90 months

XXXXXX

302315006

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 has been in line of profession for over 15 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  borrowers having significant cash reserves of  $3,194,129.13

XXXXXX

302303235

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for over 17 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves $81,778.30 or 15 months exceeds the guideline requirements CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 810 exceeds guideline minimum score.

XXXXXX

302306393

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Final CD XXX disbursement date reflects XXX.  Right to Cancel reflects borrower change date to cancel of XXX.  Loan closed prior to statutory rescission period.  Lender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD.

03/23/2021 Client provided PCCD updating Disbursement Date. LOE and disclosure tracking for delivery.   Condition remains for Final Settlement Statement verifying final fees and confirming Disbursed after rescission period. 03/24/2021 Client provided Disbursement CD XXX, LOE and disclosure tracking for delivery  with Final Settlement Statement confirming Disbursed after rescission period.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been at same employer for over 17 years CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  CO-borrower has been with same employer for over 30 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds guideline minimum score.

XXXXXX

302410425

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Final CD XXX disbursement date reflects XXX.  Right to cancel reflects initialed borrower change date to cancel of XXX.  Loan closed prior to statutory rescission period.  Lender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD.

02/15/2021 Client provided corrected PCCD XXX, LOE and disclosure tracking for delivery.   Condition remains for Final Settlement Statement confirming disburse after rescission period. 02/17/2021 Client provided Final Settlement Statement confirming Disbursed after rescission period.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves is $801,375.28 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI is 31.83% is below guideline maximum DTI. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 35 years on current Job. CFCFS2860: Good credit history - Clayton Comments:  0 * 30 since 1982 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 784 exceeds guidelines minimum score.

XXXXXX

302318077

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 787 exceeds guidelines. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 6 years on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34.18 below guidelines.

XXXXXX

302324796

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3706

TRID - Curable Issue #1 related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 30years of experience on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.50 is below guidelines maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 727 exceeds guideline minimum score.

XXXXXX

302324796

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 30years of experience on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.50 is below guidelines maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 727 exceeds guideline minimum score.

XXXXXX

302328859

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  B1 FICO score 804B2 FICO score 811 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 10.54% is below guideline maximum DTI. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  Co-Borrower has significant time at current job of 10 years

XXXXXX

302330433

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing updated CDA to support original appraised value.  CU score 3

3.2.21 Desk Review received value supported.

3.2.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  23 years at the job CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  8 years at the job CFCFS2854: Significant time in profession - Clayton Comments:  Borr1 has 23 years in profession and Borr2 has 8 years in profession

XXXXXX

302493513

XXXXXX

VA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

CD XXX Section B--Title-Doc Prep fee of 60.00 added with no valid COC.  Provide proof of refund, revised Closing Disclosure and COC explaining changes.

03/12/2021 Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label in processed status.  Condition remains for delivery. 03/17/2021  Delivered tracking placed in file.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  25 years in the job CFCFS2854: Significant time in profession - Clayton Comments:  26 years in profession CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 68.35% is below the maximum LTV. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.96% is below guideline maximum DTI.

XXXXXX

302332637

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value.  CU score 3.1

3.10.2021 Desk Review received value supported.

3.10.2021 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for over 19 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 27.85% which is below the guideline max allowed of 43%

XXXXXX

302334889

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID3646

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided

No

CD XXX -Other Cost-Section E Recording fee increase from XXXTolerance cure in file of XXX is insufficient. Provide Letter of explanation, corrected Closing Disclosure, refund, proof of delivery within 60 days of consummation.

02/19/2021 Client provided PCCD XXX with cure, copy of cure check, LOE and shipping label in processed status.  Condition Remains for delivery. 02/24/2021 Client provided Delivered tracking, verified.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 5years and 3 months on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 769 exceeds guidelines minimum score. CFCFS2860: Good credit history - Clayton Comments:  0* 30 since 2001. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.19% is below guideline maximum DTO. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 40.93% is below guideline maximum LTV.

XXXXXX

302334887

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value.  CU score 3.1

2.12.21 Desk Review received value supported.

2.12.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower having over 41.53 months cash reserves CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 22.23% which is well below the guideline max allowed of 43%

XXXXXX

302334885

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXX disbursement date reflects XXXRight to cancel reflects initialed borrower change date to cancel of XXXLoan closed prior to statutory rescission periodLender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD.

02/15/2021 Client provided PCCD XXX with disbursement date correction, LOE and Final Settlement Statement confirming disbursed after rescission period.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower having over 7 years with same employer CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower having over 27 months in cash reserves or $225,079.33

XXXXXX

302334884

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing the 2nd Appraisal for a loan amount of $XXX, required per guidelines.

2/12 Client provided the 2nd appraisal

Condition satisfied

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 14 years and 10 months of experience on current Job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 793 exceeds guidelines. CFCFS2860: Good credit history - Clayton Comments:  0 X 30 since 2006 CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 59.14% is below guideline maximum LTV. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 31.72% is below guideline maximum DTI.

XXXXXX

302337316

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

A

A

D

B

D

B

D

A

A

A

Credit

Income/Employment

Active

D

B

D

B

CRDINC2408

Income verification does not meet guidelines

No

Lender to provide 2019 Tax Transcripts

2/16 Client provided the 2019 1040s.  File is missing the corresponding IRS transcripts.3/10 Client requested review of the income condition.  Guidelines states that transcripts are required where tax returns are used for income.  Borrower was qualified with K-1 income from < 25% ownership, with file containing a WVOE documenting 2020 income.  The income for 2019 is in line with 2018, which is verified by the 2018 transcripts in file., as a result the exception is being downgraded to non-material.

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds guideline minimum score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 68.14% is below guideline maximum LTV. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 10.99% is below guideline max DTI. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 9 months  $60,013.26Verified Assets $14,401,516 Funds to close 16,418.88 = $1,385,097.12 (295 months)

XXXXXX

302337316

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

D

A

A

A

D

B

D

B

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

The full appraisal as of XXX was $XXX with a CU rating of 3.9. CDA is required

2.16.21 Desk Review received value supported.

2.16.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds guideline minimum score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 68.14% is below guideline maximum LTV. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 10.99% is below guideline max DTI. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 9 months  $60,013.26Verified Assets $14,401,516 Funds to close 16,418.88 = $1,385,097.12 (295 months)

XXXXXX

302336599

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXX disbursement date reflects XXXRight to cancel reflects date to cancel of XXXLoan closed prior to statutory rescission periodLender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD.

03/04/2021 Client provided PCCD XXX, LOE and disclosure tracking for delivery.  Condition remains for Final Settlement Statement for confirmation Disbursed after rescission period. 03/10/2021 Client provided Final Settlement Statement confirming Disbursed after rescission period.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  13 years in the Job CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 18 years in professionCo-borrower has 14years in profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 801 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 26.42% is below guideline maximum DTI

XXXXXX

302336598

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXX disbursement date reflects XXX.Right to cancel reflects date to cancel of XXX.Loan closed prior to statutory rescission period.Lender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD.

02/24/2021 Client provided updated Final CD XXX with corrected disbursement date, LOE and Disclosure tracking for delivery.  Condition remains for Final Settlement Statement confirming disbursed after rescission period reflecting final fee amounts as shown on Updated Final CD XXX. 03/23/2021 Client provided PCCD XXX with Final Settlement Statement confirming disbursed after rescission period.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.92% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceeds guidelines minimum score. CFCFS2860: Good credit history - Clayton Comments:  0* 30 since 2004. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 15years on current job.

XXXXXX

302336595

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5251

TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures

No

CD XXX --Loan disclosures, escrow account -Est. Property cost over year XXX. CD XXX --Projected payments-estimated taxes insurance & assessments. Value XXX

03/24/2021 Client provided PCCD XXX with correction, LOE and disclosure tracking for delivery.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.46% is below the guideline maximum DTI. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower having cash reserves of $165,611.19 which exceeds the guideline requirement

XXXXXX

302336595

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value.  CU score 3.2

2.28.21 Desk Review received value supported.

2.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.46% is below the guideline maximum DTI. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower having cash reserves of $165,611.19 which exceeds the guideline requirement

XXXXXX

302337312

XXXXXX

NY

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

The full appraisal as of XXX was $XXX, CU did not come back with a rating so CDA is required.

2.15.21 Desk Review received value supported.

2.15.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 759 exceeds guideline minimum score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 68.14% is below guideline maximum LTV. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 9 months = $65,564.37Verified $484,268.65 (66 months)

XXXXXX

302467361

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value. CU score is 3 .

2.16.21 Desk Review received value supported.

2.16.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 10 years in the profession. CFCFS2860: Good credit history - Clayton Comments:  0 x 30 since 1992. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.90% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 731 exceeds guideline minimum score.

XXXXXX

302388326

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Active

B

B

B

B

CMPROR1909

Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor

No

Same Lender refi used H8, Provide corrected H9 formatted ROR when providing cure document for exception XXX.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.32% is below guideline maximum DTI. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 55.45% is below guideline maximum LTV. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have 15 years in their profession. CFCFS2860: Good credit history - Clayton Comments:  0 x 30 since 2006.

XXXXXX

302388326

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Final CD XXX disbursement date reflects XXX.  ROR cancel date XXX.  Loan closed prior to statutory rescission period.  Lender must reopen ROR (H9) to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD.

02/15/2021 Client provided PCCD XXX with disbursement date corrected and LOE.   Condition remains for evidence of shipment and Final Settlement Statement to confirm disbursement after rescission period. 02/19/2021 Client provided Dup PCCD XXX and LOE along with Shipping label and Final Settlement statement confirming Disbursed after rescission period.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.32% is below guideline maximum DTI. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 55.45% is below guideline maximum LTV. CFCFS2854: Significant time in profession - Clayton Comments:  Both borrowers have 15 years in their profession. CFCFS2860: Good credit history - Clayton Comments:  0 x 30 since 2006.

XXXXXX

302338179

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Documentation

Satisfied

D

A

D

A

CMPDOC191

Missing Mortgage

No

Provide executed Mortgage/DOT.

03/04/2021 Client provided complete executed Deed of Trust with Rider.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job  of 10 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 790 exceeds guideline minimum score.

XXXXXX

302338179

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions are not in section H of Borrower Final CD. Provide Seller CD reflecting Realtor commission in Section H paid by Seller.

03/04/2021 Client provided Seller CD reflecting RE Commissions.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job  of 10 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 790 exceeds guideline minimum score.

XXXXXX

302338179

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Provide Seller Closing Disclosure or Settlement Statement.

03/04/2021 Client provided Seller CD, fees entered

Condition Satisfied.

Not Applicable

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job  of 10 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 790 exceeds guideline minimum score.

XXXXXX

302339291

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXX disbursement date reflects XXX.Right to cancel reflects initialed borrower change date to cancel of XXX.Loan closed prior to statutory rescission period.Provide PCCD correcting Disbursement date with LOE and evidence of shipment along with Final Settlement Statement confirming disbursed after rescission period.   Additional conditions may apply.

02/24/2021 Client provided PCCD XXX correcting dates and disclosure tracking for delivery.  Condition remains for LOE to Borrower and Final Settlement Statement confirming disbursement after rescission period. 03/04/2021 Client provided Final Settlement Statement confirming Disbursed after rescission period.    Condition remains for LOE to Borrower for changes on PCCD XXX03/16/2021 Client provided Duplicate PCCD and Final Settlement Statement requesting re-review, Both PCCD and Final Settlement Statement confirm disbursed after rescission period.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  781 credit score, min score is 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  31.82% DTI max allowed is 43% CFCFS1737: LTV below guideline requirements - Clayton Comments:  62% LTV max allowed is 90%

XXXXXX

302408756

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 817 exceeds guidelines. CFCFS2860: Good credit history - Clayton Comments:  0x 30 since 2002 . CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.69 is below the maximum DTI. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves is $103,281.76

XXXXXX

302339289

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

The full appraisal as of XXX was $XXX with a CU rating of 5. CDA is required

2.16.21 Desk Review received value supported.

2.16.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 782 exceed guideline minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  12 years on the job CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 6 months $29,854.44Verified Assets $245,574.63 (58 Mths) CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 13.42% is below guideline maximum DTI.

XXXXXX

302410424

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 798 exceeds guideline minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  6 years on the job CFCFS2854: Significant time in profession - Clayton Comments:  20years in profession Per 1003 CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 38.52% is below guideline maximum DTI.

XXXXXX

302366986

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 776 exceeds guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 6 years on current job.

XXXXXX

302493506

XXXXXX

WA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 16 years in profession and Co-Borrower has 12 years in the profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 736 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 14.97% is below guideline maximum DTI.

XXXXXX

302368643

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 760 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 27.64% is below guideline maximum DTI. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 64.80% is below guideline minimum score. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVES9 mths subj $56,451.42 + 2 mths REO 7,790.58 = $63,942Verified Assets $404,908.71 (64.55 mths)

XXXXXX

302369339

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 793 exceeds guideline minimum score. CFCFS1749: Additional documented income not used in qualifying - Clayton Comments:  B1 YTD Bonus Income of XXX is not being used to qualify CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 9mths $65,664.54 + 2 months REO $8,085.22 = $73,749.76Verified Assets $1,417,765.89  FTC $6,847.91 = 1,410,917.98 (193.38 mths)

XXXXXX

302372067

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  10 years on the job CFCFS2854: Significant time in profession - Clayton Comments:  Borrowers has 40years in the professionCo-Borrowers has 30years in the profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 779 exceeds guideline minimum score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 35.19% is below the maximum LTV.

XXXXXX

302371088

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

Credit

Credit/Mtg History

Active

B

B

B

B

CRDCRMH193

Length of mortgage/rental history in file does not meet guideline requirement

No

XXX only reporting for 7 months.Lender to provide Previous VOM history to complete 12 month required review

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1736: Significant time at current residence - Clayton Comments:  13 years in current residence CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.01% is below guideline maximum DTI. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 52.44% is below guideline maximum LTV. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVES6months Subj $60,661 + 2 mths REO $2,194 = $32,855Verified Assets $404,041.37  FTC $5,482 = $398,559.37 (77 mths)

XXXXXX

302372064

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  0*30 since 2017 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 746 exceeds guidelines . CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  55 months of PITI reserves exceeds guidelines .

XXXXXX

302372064

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value .CU score is 2.6

2.28.21 Desk Review received value supported.

2.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  0*30 since 2017 CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 746 exceeds guidelines . CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  55 months of PITI reserves exceeds guidelines .

XXXXXX

302372925

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves is $128,870.35 CFCFS2860: Good credit history - Clayton Comments:  0* 30 since 2005. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has 15 years in the profession. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 797 exceeds guidelines minimum score.

XXXXXX

302372924

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 791 exceeds guideline minimum score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 58.06% is below guideline maximum LTV. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has over 11 years with same company CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been a XXX for over 13 years

XXXXXX

302372060

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

Lender to provide VVOE for B2 dated 10 days prior to note.Email is the file is not acceptable, no way to determine its from a HR.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 771 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.31% is below guideline maximum DTI. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVES6 months required $33,162Verified assets $86,801.57  FTC $4,415.10 = $82,386.47 (14 mths)

XXXXXX

302372060

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

Credit

Income/Employment

Satisfied

C

A

C

A

CRDINC2488

Verbal verification of employment missing

No

Lender to provide VVOE for B1 dated 10 days prior to note

2/23 Client provided the VVOE

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 771 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 32.31% is below guideline maximum DTI. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVES6 months required $33,162Verified assets $86,801.57  FTC $4,415.10 = $82,386.47 (14 mths)

XXXXXX

302372917

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  16years in Profession CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.76% is below guideline maximum DTI.

XXXXXX

302372914

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 24.19% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 788 exceeds guideline minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 15 years and 1 month

XXXXXX

302372911

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR848

Missing Hazard Insurance

No

Lender to provide copy of HAZ policy for review

2/12 Client provided the HOI dec page

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 757 exceeds guideline minimum score. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  25 years on the job CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 55.92% is below guideline maximum LTV. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVESRequired 6 months Subj $24,603.24 + 2 months for each REO $9,139.22 = $33,742.46Verified Assets $195,543.49 = 47.50 months

XXXXXX

302404435

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  7 years on the job CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 exceeds guideline minimum score.

XXXXXX

302391334

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

DTI

Satisfied

D

A

D

A

CRDDTI2540

Missing verification of some or all components of non-subject PITI

No

XXXTaxes and Ins in file supports $1004.46 per month. However final 1003 states its $1,376.70. Lender to provide proof of final taxes , Ins and Misc used.

2/19 Client provided a corrected 1003

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceeds guideline minimum score. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVES9 months required $70,028 + 2 mths REO $16,134 = $86,162Verified cash reserves $444,085.42 (57 mths) CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34% is below guideline minimum score.

XXXXXX

302391334

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

Credit

Income/Employment

Active

B

B

B

B

CRDINC2496

Verbal verification of employment completed outside the stated requirements and/or after closing/funding

No

VVOE in file is post closing. Lender to provide a VVOE dated 10 days prior to NOTE

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceeds guideline minimum score. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  RESERVES9 months required $70,028 + 2 mths REO $16,134 = $86,162Verified cash reserves $444,085.42 (57 mths) CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34% is below guideline minimum score.

XXXXXX

302391333

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 exceeds guidelines minimum score. CFCFS2860: Good credit history - Clayton Comments:  0 * 30 since 2006 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the profession for 25 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 27.80% is below guideline maximum DTI.

XXXXXX

302391333

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to original appraised value. CU Score is 3.8  .

2.15.21 Desk Review received value supported.

2.15.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 exceeds guidelines minimum score. CFCFS2860: Good credit history - Clayton Comments:  0 * 30 since 2006 CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the profession for 25 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 27.80% is below guideline maximum DTI.

XXXXXX

302391330

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico score of 790 exceeds guideline maximum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 12 years and 3months on his current job.

XXXXXX

302391330

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

Condition Satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico score of 790 exceeds guideline maximum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 12 years and 3months on his current job.

XXXXXX

302391330

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value. CU score is 3.3 .

2.10.21 Desk Review received value supported.

2.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico score of 790 exceeds guideline maximum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 12 years and 3months on his current job.

XXXXXX

302391328

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing the 3rd party review to support the Appraisal Value.

2.11.21 Desk Review received value supported.

2.11.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 58.77% is below guideline maximum LTV. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 737 exceeds guideline minimum score.

XXXXXX

302391325

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value. CU score is 3.

2.19.21 Desk review received value supported.

2.19.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 46.83% is below guideline maximum LTV. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 787 exceeds guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 24 years and 9months in current job.

XXXXXX

302394124

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

CD XXX disbursement date reflects XXXRight to cancel reflects date to cancel of XXX (Initialed borrower change)Loan closed prior to statutory rescission periodLender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD.

02/24/2021 Client provided Funding CD XXX with corrected Dates and fee adjustments along with Final Settlement statement confirming disbursed after rescission Period.   Condition remains for LOE to Borrower for adjustments on CD and evidence of shipment. 03/02/2021 Client provided Duplicate XXX PCCD along with LOE and email for delivery.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 782 exceeds the minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 25.68 is below the maximum DTI. CFCFS2860: Good credit history - Clayton Comments:  0 x 30 since 2009 .

XXXXXX

302393560

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value.  CU score 5

2.10.21 Desk Review received value supported.

2.10.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 10 years and 3months experience on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 23.99 below guidelines . CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Fico score of 783 exceeds guidelines for more than 20 points.

XXXXXX

302394116

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value.  CU score 4.4

3.8.21 Desk review received value supported.

3.8.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for over 14 years. CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 32.02% is below the guideline max allowed of 43%

XXXXXX

302488406

XXXXXX

NJ

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

missing updated valuation to support appraisal

3.4.21 Desk Review received value supported.

3.4.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  The borrower has significant time in profession of 30 years CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 736 exceeds guideline minimum score.

XXXXXX

302408753

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 730 exceeds guideline minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 10 years and 9 months  on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.08 below guidelines .

XXXXXX

302408753

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 730 exceeds guideline minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 10 years and 9 months  on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.08 below guidelines .

XXXXXX

302408753

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value . CU score is 3.2

2.26.21 Desk Review received value supported.

2.26.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 730 exceeds guideline minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 10 years and 9 months  on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 36.08 below guidelines .

XXXXXX

302401365

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 24.94% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 788 exceeds guideline minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has significant time at current job of 11 years and 2 months CFCFS2854: Significant time in profession - Clayton Comments:  Borrower 1 and Borrower 2 has Significant time in professions of 15 years

XXXXXX

302408752

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 785 exceeds guidelines minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 25.15 below the maximum DTI. CFCFS2860: Good credit history - Clayton Comments:  0 * 30 since 2004.

XXXXXX

302459170

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves is $1,485,774.83 or 234 Months PITI reserves CFCFS2854: Significant time in profession - Clayton Comments:  B2 has 20 years in profession . CFCFS2860: Good credit history - Clayton Comments:  0. 30 since 1992. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 812 exceeds the minimum score.

XXXXXX

302405853

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2854: Significant time in profession - Clayton Comments:  Co-Borrower has 31 years in Profession. CFCFS2860: Good credit history - Clayton Comments:  Has a good Credit history CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 40.63% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 768 exceeds guideline minimum score.

XXXXXX

302408748

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.22 below guidelines . CFCFS2860: Good credit history - Clayton Comments:  0 * 30 since 2011. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 791 exceeds guidelines.

XXXXXX

302408748

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 28.22 below guidelines . CFCFS2860: Good credit history - Clayton Comments:  0 * 30 since 2011. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 791 exceeds guidelines.

XXXXXX

302410441

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Provide Seller Closing disclosure including Realtor fees paid to XXX.

03/04/2021 Client provided Seller CD reflecting RE Broker fees.

Condition Satisfied.

Numeric

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  10 years on the profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.75% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceeds guideline minimum score.

XXXXXX

302410441

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Provide Seller Closing Disclosure or Settlement Statement.

03/04/2021 Client provided Seller CD reflecting fees.

Condition Satisfied.

Not Applicable

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  10 years on the profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 37.75% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceeds guideline minimum score.

XXXXXX

302410439

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 34.88% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 812 exceeds guideline minimum score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 68.57% is below guideline maximum LTV. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in same profession for over 30 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Cash reserves are $1,282,998.62 or 141 months which exceeds guideline requirements

XXXXXX

302410438

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 791 exceeds guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 19 years on current job. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves is $378,571.13

XXXXXX

302473056

XXXXXX

CT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for over 24 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrower having exceeded cash reserve guidelines, $1,277,053.32 or 163 months

XXXXXX

302413514

XXXXXX

CO

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value. CU score is 3

2.28.21 Desk Review received value supported.

2.28.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 789 exceeds guidelines . CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 20 years of experience in current job .

XXXXXX

302459168

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 757 exceeds guideline minimum score. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit score of 757 exceeds guidelines . CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.415% is below the maximum DTI.

XXXXXX

302459168

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 757 exceeds guideline minimum score. CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  Credit score of 757 exceeds guidelines . CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.415% is below the maximum DTI.

XXXXXX

302426785

XXXXXX

UT

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.  Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 767 exceeds guideline minimum score. CFCFS2854: Significant time in profession - Clayton Comments:  7 years in the profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  26.87% DTI exceeds required guideline.

XXXXXX

302473987

XXXXXX

AZ

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI 31.24% is below the guideline  max of 43% CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in profession for over 40 years

XXXXXX

302460758

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers having over 50 months or $288,473.10 cash reserves which exceeds guidelines CFCFS1739: Postive mortgage payment history - Clayton Comments:  Borrower 1 having positive mortgage payment history per credit report, no lates, no foreclosures or other issues reported.

XXXXXX

302464898

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value. CU score 4.4

3.18.21 Desk Review received value supported.

3.18.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has over 14 years in profession CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 38.87% which is below the guideline max allowed of 43%

XXXXXX

302462877

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

A

B

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Provide Seller Closing Disclosure, including realtor paid fees paid by seller.

03/05/2021 Client provided Seller CD reflecting RE Commission fees.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 27% which is well below the guideline max allowed of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower having over 11 years with same employer

XXXXXX

302462877

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID5107

TRID - Seller CD not in file; need in order to complete fee entry

No

Provide Seller Closing Disclosure or Settlement Statement.

03/05/2021 Client provided Seller CD reflecting seller fees.

Condition Satisfied.

Not Applicable

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 27% which is well below the guideline max allowed of 43% CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower having over 11 years with same employer

XXXXXX

302464892

XXXXXX

IL

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value. CU 4.3

03/25/2021 CDA report provided supporting original appraised value within variance.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 10years and 3months on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of  795 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 22.44% below guideline maximum DTI.

XXXXXX

302467375

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for over 10 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.20% is well below guideline m ax allowed of 43%

XXXXXX

302467375

XXXXXX

SC

QM: Safe Harbor

QM: Safe Harbor

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been with same employer for over 10 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.20% is well below guideline m ax allowed of 43%

XXXXXX

302473047

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with no recent late payments. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with 17 years on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 27.30% is below guide line maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 767 exceeds guideline minimum score.

XXXXXX

302473047

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing desk review supporting original appraised value of $XXX.

3.24.21 Desk Review received value supported.

3.24.21 Exception Satisfied

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with no recent late payments. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has stable employment with 17 years on current job. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 27.30% is below guide line maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 767 exceeds guideline minimum score.

XXXXXX

302477424

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Credit

LTV/CLTV

Satisfied

C

A

C

A

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

No

LTV of 85% >  by 5%., Lender final approval in file for 85% LTV.  Loan amount $XXX appraised value $XXX.

3/25 Client provided the most recent guideline matrix which allows LTV to 89.99%.

Condition satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 27.32 is below guidelines maximum DTI.

XXXXXX

302477424

XXXXXX

PA

QM: Safe Harbor

QM: Safe Harbor

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value. CU score is 2.7

3.22.21 Desk Review received value supported.

3.22.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 792 exceeds guidelines. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 27.32 is below guidelines maximum DTI.

XXXXXX

302488405

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  B1 FICO score 781B2 FICO score 780 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower 1 has owned her current home for 15 years CFCFS2854: Significant time in profession - Clayton Comments:  The co-borrower has been in the same profession for 20 years

XXXXXX

302488405

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value.  CU score 3

3.2.21 Desk Review received value supported.

3.2.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1742: Consumer credit history exceeds guidelines - Clayton Comments:  B1 FICO score 781B2 FICO score 780 CFCFS1736: Significant time at current residence - Clayton Comments:  Borrower 1 has owned her current home for 15 years CFCFS2854: Significant time in profession - Clayton Comments:  The co-borrower has been in the same profession for 20 years

XXXXXX

302477493

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

Compliance

Compliance Manual

Satisfied

D

A

D

A

CMPMAN2956

Missing disclosure

No

Disclosure Tracking in file reflects LE XXX issued and received by Borrowers. Missing LE XXX

03/23/2021 Client provided missing LE XXX.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 44.42% is below guideline maximum LTV. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 8 years and 11months on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 756 exceeds guideline minimum score. CFCFS2854: Significant time in profession - Clayton Comments:  B1 has 20 years in profession.

XXXXXX

302483464

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value. CU score is 2.9

3.22.21 Desk Review received value supported.

3.22.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 18.96% is below guideline maximum DTI. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 776 above guidelines minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has 18 years and9months on current job.

XXXXXX

302486624

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 782 exceed guidelines minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 25.34% is below guidelines maximum DTI.

XXXXXX

302490734

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Compliance

RESPA

Active

B

B

B

B

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 40 years on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceed guidelines minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.85% is below guidelines maximum DTI.

XXXXXX

302490734

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3670

TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation

No

Provide all LE's Disclosed along with applicable COC's and SPL for proper fee allocation and proper testing.

03/25/2021 Client provided missing LE XXX with SPL.   Re-testing results in no violation.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 40 years on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceed guidelines minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.85% is below guidelines maximum DTI.

XXXXXX

302490734

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3676

TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation.

No

Provide all LE's Disclosed along with applicable COC's and SPL for proper fee allocation and proper testing.

03/25/2021 Client provided missing LE XXX with SPL.   Re-testing results in no violation.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 40 years on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceed guidelines minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.85% is below guidelines maximum DTI.

XXXXXX

302490734

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

B

C

B

CMPTRID5251

TRID - CD: The amount of the Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Annual Property Costs disclosed in the No Escrow section in Loan Disclosures

No

The amount of ($1102.45) Est Taxes, Ins and Assessments payment in the Projected Payments section does not calculate to the Amount of ($11,700.00) Annual Property Costs disclosed in the No Escrow section in Loan Disclosures.

03/25/2021 Client provided corrected PCCD XXX with email for LOE and delivery.

Condition Satisfied.

Numeric

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 40 years on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceed guidelines minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.85% is below guidelines maximum DTI.

XXXXXX

302490734

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

D

A

D

A

CMPTRID3494

TRID - Loan Estimate Missing

No

Missing LE's.  Provide all LE's Disclosed along with applicable COC's and SPL for proper fee allocation.

03/25/2021 Client provided missing LE XXX with SPL.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 40 years on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceed guidelines minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.85% is below guidelines maximum DTI.

XXXXXX

302490734

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value . CU  is 5

3.24.2021 Desk Review received value supported.

3.24.2021 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 40 years on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 786 exceed guidelines minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 29.85% is below guidelines maximum DTI.

XXXXXX

302492747

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD.

(No Data)

Sourced on Seller CD, Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 743 exceeds guideline minimum score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.00% is below guideline maximum LTV. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 48 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines.

XXXXXX

302492747

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD.

(No Data)

Sourced on Seller CD, Condition Satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 743 exceeds guideline minimum score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.00% is below guideline maximum LTV. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 48 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines.

XXXXXX

302492747

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing desk review supporting original appraised value $XXX.  CU Score 5

03/26/2021 CDA report provided supporting original appraised value within variance.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 743 exceeds guideline minimum score. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 70.00% is below guideline maximum LTV. CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has been in the same profession for 48 years. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guidelines.

XXXXXX

302492746

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 803 exceeds guideline minimum CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 33.16% is below guidelines maximum DTI. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has 8 years and 6months on current job.

XXXXXX

302492744

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID5293

TRID  Not all required seller-paid fees were disclosed on the CD

No

The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD

(No Data)

Sourced on Seller CD. Condition Satisfied.

Numeric

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 785 exceeds guideline minimum score. CFCFS1734: Borrower has significant time at current job - Clayton Comments:  B1 has been with same employer for over 13 years CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Borrowers having $227,643.08 in cash reserves which exceeds the guideline requirement

XXXXXX

302492741

XXXXXX

WA

QM: Safe Harbor

QM: Safe Harbor

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with no recent late payments. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 24.60 is below lender's guide line maximum. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 63.31 is below lender's guide line maximum.

XXXXXX

302494329

XXXXXX

TN

QM: Safe Harbor

QM: Safe Harbor

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing desk review supporting original appraised value of $XXX.

3.24.21 Desk review received value supported.

3.24.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS2860: Good credit history - Clayton Comments:  Borrower has a good credit history with no recent late payments. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 22.29% is below lender's guide line maximum DTI. CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Verified cash reserves exceed guide lines. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 808 exceeds guideline minimum score.

XXXXXX

302533071

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 5 years and 7 months on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 776 exceeds guidelines minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.13% is below guideline maximum DTI.

XXXXXX

302533071

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

B

B

B

B

CMPTRID5215

TRID - Seller-paid Fee that should be disclosed in Section H is not disclosed.

No

Realtor Commissions reflected on Seller CD but not in section H of Borrower Final CD. As fees are at least shown this is not a material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions.

(No Data)

(No Data)

Numeric

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 5 years and 7 months on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 776 exceeds guidelines minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.13% is below guideline maximum DTI.

XXXXXX

302533071

XXXXXX

CA

QM: Safe Harbor

QM: Safe Harbor

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

Credit

LTV/CLTV

Satisfied

C

A

C

A

CRDLTV3026

LTV Exceeds Guideline Requirement by at least 5%, but less than 10%

No

LTV of 89.99% > 5% for guidelines but less than 10%.

3/25 Client provided the most recent guideline matrix which allows LTV to 89.99%.

Condition satisfied

(No Data)

Not Applicable

CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  B2 has 5 years and 7 months on current job. CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 776 exceeds guidelines minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 35.13% is below guideline maximum DTI.

XXXXXX

302324342

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Closing Disclosure XXX - Disbursement Date XXX.Right to Rescind form H8-Initialed changes by borrower XXX -expiration XXX.Disbursement date is before end rescission period.

1208/2020 Client provided PCCD XXX with Disbursement Date of XXX, LOE and disclosure tracking for delivery. Condition remains for Final Settlement statement for verification of Disbursement date. 12/10/2020 Client provided signed Settlement Statement verifying Disbursement date after rescission.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 790 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 30.42% is below the maximum DTI.

XXXXXX

302413665

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

C

A

D

A

A

A

D

B

C

A

D

B

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR289

Insufficient Hazard Insurance Coverage

No

Expired HOI with coverage of XXX is not sufficient.

2.10.2021 Client provided HOI policy for period XXX and for period XXX with Note date XXX; both policies have sufficient coverage, having 150% replacement cost.

Condition satisfied

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV 48.892% which is well below the guideline max allowed CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has over 20 years in profession

XXXXXX

302413665

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

C

A

D

A

A

A

D

B

C

A

D

B

A

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5353

Insurance Expiration date is prior than the transaction date

No

Outdated HOI dec page provided in the file. Policy period from XXX.  Missing Dec page showing current policy period

2.10.2021 Client provided HOI policy for period XXX and for period XXX with Note date XXX; both policies have sufficient coverage, having 150% replacement cost.

Condition satisfied

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV 48.892% which is well below the guideline max allowed CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has over 20 years in profession

XXXXXX

302413665

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

C

A

D

A

A

A

D

B

C

A

D

B

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Missing CDA to support original appraised value.  CU score 3.3

1.27.21 Desk Review received value not supported variance XXX. Field Review recommended.

1.27.21 Exception Satisfied.

(No Data)

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV 48.892% which is well below the guideline max allowed CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has over 20 years in profession

XXXXXX

302413665

XXXXXX

CA

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

C

A

D

A

A

A

D

B

C

A

D

B

A

A

Property Valuations

Value

Satisfied

N/A

A

N/A

B

PRVAVALU5249

Property Value Not Supported

No

Desk Review received variance -23.1 Field Review recommended.

2.21.21 Field Review received value supported.

2.21.21 Exception Satisfied.

Not Applicable

Not Applicable

CFCFS1737: LTV below guideline requirements - Clayton Comments:  Current LTV 48.892% which is well below the guideline max allowed CFCFS2854: Significant time in profession - Clayton Comments:  Borrower has over 20 years in profession

XXXXXX

302476304

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

Compliance

Right of Rescission

Satisfied

C

B

C

B

CMPROR2330

ROR - Disbursement date is before end of statutory rescission period

No

Standard for Int ROR changeCD XXX disbursement date reflects XXXRight to cancel reflects initialed borrower change date to cancel of XXXLoan closed prior to statutory rescission periodLender must reopen ROR to the borrower, provide corrected CD, and LOX to borrower citing specific reason for corrected CD.

02/16/2021 Client provided PCCD XXX with correction and LOE and Final Settlement Statement confirming disbursed after rescission period.

Condition Satisfied.

(No Data)

Not Applicable

CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 26.18% is below guideline maximum DTI. CFCFS1737: LTV below guideline requirements - Clayton Comments:  LTV of 48.72% is below guideline maximum LTV.

XXXXXX

302483046

XXXXXX

CO

QM: Safe Harbor

QM: GSE Temporary - QM/SH

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

Property Valuations

Appraisal

Satisfied

D

A

D

A

PRVAAPPR3116

Missing updated valuation

No

Provide a 2055 Drive By Appraisal AND an AVM to support the 2055.

2.24.21 AVM received value supported. 2055 received value supported.

Exception Satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  Credit score of 797 exceeds guideline minimum score. CFCFS1744: DTI below guideline requirement - Clayton Comments:  DTI of 41.32% is below guideline maximum DTI. CFCFS1735: Co-Borrower has significant time at current job - Clayton Comments:  13 years on the job CFCFS2854: Significant time in profession - Clayton Comments:  16 years in the profession.

XXXXXX

302483044

XXXXXX

CA

QM: GSE Temporary - QM/SH

QM: GSE Temporary - QM/SH

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

CFCFS1734: Borrower has significant time at current job - Clayton Comments:  Borrower has been wit employer for over 22 years CFCFS1744: DTI below guideline requirement - Clayton Comments:  Current DTI 20.97% which is well below the guideline max allowed of 43%

XXXXXX

302272909

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Compliance

RESPA

Satisfied

B

A

B

A

CMPRESPA2698

RESPA - List of homeowners counseling organizations not in file

No

List of homeowners counseling organizations not in file.

9.30.20 Lender provided HOC

10.1.20 Exception satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 credit score exceeds guideline minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.28% DTI is below guideline maximum of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves of $325,236.99, guidelines require $68,718.08 (6 months for subject + 2 additional months for other financed property).

XXXXXX

302272909

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

A

A

A

A

CMPTRID3716

TRID - Curable issue related to the Closing Disclosure in file

No

Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. Exception satisfied.

(No Data)

(No Data)

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 credit score exceeds guideline minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.28% DTI is below guideline maximum of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves of $325,236.99, guidelines require $68,718.08 (6 months for subject + 2 additional months for other financed property).

XXXXXX

302272909

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Compliance

TILA/RESPA Integrated Disclosure

Satisfied

C

A

C

A

CMPTRID3552

TRID - Loan Estimate not timely

No

Initial LE is missing in the file. Application date is XXX

9.30.20 Lender provided LE dated XXX

10.01.20 Exception Satisfied

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 credit score exceeds guideline minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.28% DTI is below guideline maximum of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves of $325,236.99, guidelines require $68,718.08 (6 months for subject + 2 additional months for other financed property).

XXXXXX

302272909

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Credit

Insurance

Satisfied

C

A

C

A

CRDINSR5352

Flood Effective date is greater than the transaction date

No

Flood insurance effective date is XXX Loan closed XXX.

10.1.20 - Lender provided same policy with an effective date of XXX.  Need evidence flood insurance was in effect at time of close and is until the policy with a start date of XXX.10.1.20 - Lender provided flood policy that borrower assumed with effective dated of XXX.

10.1.20 - Exception remains.10.1.20 - Exception satisfied.

Not Applicable

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 credit score exceeds guideline minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.28% DTI is below guideline maximum of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves of $325,236.99, guidelines require $68,718.08 (6 months for subject + 2 additional months for other financed property).

XXXXXX

302272909

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Credit

Insurance

Satisfied

D

A

D

A

CRDINSR848

Missing Hazard Insurance

No

Missing evidence of hazard insurance

10.1.20 - Lender provided.

10.1.20 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 credit score exceeds guideline minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.28% DTI is below guideline maximum of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves of $325,236.99, guidelines require $68,718.08 (6 months for subject + 2 additional months for other financed property).

XXXXXX

302272909

XXXXXX

FL

QM: Safe Harbor

QM: Safe Harbor

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

Credit

LTV/CLTV

Satisfied

C

A

C

A

CRDLTV3024

LTV Exceeds Guideline Requirement by less than 5%

No

77.92% LTV exceeds maximum of 75% for a 2nd home. XXX

10.1.20 - Lender provided more recent XXX guidelines that allow up to 80& LTV on 2nd home/

10.1.20 - Exception satisfied.

(No Data)

Not Applicable

CFCFS1741: Credit score exceeds guidelines - Clayton Comments:  783 credit score exceeds guideline minimum of 700 CFCFS1744: DTI below guideline requirement - Clayton Comments:  23.28% DTI is below guideline maximum of 43% CFCFS1731: Verified cash reserves exceed guidelines - Clayton Comments:  Post close reserves of $325,236.99, guidelines require $68,718.08 (6 months for subject + 2 additional months for other financed property).

EX-99.9

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.9

Seller Loan ID

Alt Loan Number

TRID Indicator

Lender Application Date

Broker Application Date

Initial Securitization Overall Loan Grade

Final Securitization Overall Loan Grade

Initial Securitization Loan Credit Grade

Final Securitization Loan Credit Grade

Initial Securitization Loan Property Valuation Grade

Final Securitization Loan Property Valuations Grade

Initial Securitization Loan Compliance Grade

Final Securitization Loan Compliance Grade

Initial S&P Overall Loan Grade

Final S&P Overall Loan Grade

Initial S&P Loan Credit Grade

Final S&P Loan Credit Grade

Initial S&P Loan Property Valuation Grade

Final S&P Loan Property Valuations Grade

Initial S&P Loan Compliance Grade

Final S&P Loan Compliance Grade

XXXXXX

302483279

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302476667

Yes

XXXXXX

XXXXXX

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

XXXXXX

302505503

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302488290

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302476625

Yes

XXXXXX

XXXXXX

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

XXXXXX

302488266

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302515165

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302493632

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

XXXXXX

302483210

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302483192

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302488192

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302493604

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302483162

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302493601

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302483148

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302483146

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302483145

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302045410

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302490743

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302490742

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302403297

Yes

XXXXXX

XXXXXX

D

B

B

B

D

A

A

A

D

B

B

B

D

A

A

A

XXXXXX

302541744

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

XXXXXX

302136733

Yes

XXXXXX

XXXXXX

D

C

A

A

D

C

C

A

D

C

A

A

D

C

C

A

XXXXXX

302315010

Yes

XXXXXX

XXXXXX

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXXXX

302316432

Yes

XXXXXX

XXXXXX

D

A

D

A

D

A

A

A

D

A

D

A

D

A

A

A

XXXXXX

302401371

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302315917

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302270487

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302408762

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302318376

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302278993

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

D

A

D

A

A

A

D

A

D

A

XXXXXX

302393563

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302408760

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

C

A

D

A

A

A

D

A

C

A

XXXXXX

302289049

Yes

XXXXXX

XXXXXX

D

B

D

B

A

A

D

A

D

B

D

B

A

A

D

A

XXXXXX

302315006

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302303235

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302306393

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302410425

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302318077

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302324796

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302328859

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302330433

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302493513

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302332637

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302334889

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302334887

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302334885

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302334884

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302337316

Yes

XXXXXX

XXXXXX

D

B

D

B

D

A

A

A

D

B

D

B

D

A

A

A

XXXXXX

302336599

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302336598

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302336595

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

C

B

D

B

A

A

D

A

C

B

XXXXXX

302337312

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302467361

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302388326

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302338179

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

XXXXXX

302339291

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302408756

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302339289

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302410424

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302366986

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302493506

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302368643

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302369339

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302372067

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302371088

Yes

XXXXXX

XXXXXX

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

XXXXXX

302372064

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302372925

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302372924

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302372060

Yes

XXXXXX

XXXXXX

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

XXXXXX

302372917

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302372914

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302372911

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

XXXXXX

302404435

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302391334

Yes

XXXXXX

XXXXXX

D

B

D

B

A

A

A

A

D

B

D

B

A

A

A

A

XXXXXX

302391333

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302391330

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302391328

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302391325

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302394124

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302393560

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302394116

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302488406

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302408753

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302401365

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302408752

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302459170

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302405853

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302408748

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302410441

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

XXXXXX

302410439

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302410438

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302473056

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302413514

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302459168

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302426785

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302473987

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302460758

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302464898

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302462877

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

XXXXXX

302464892

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302467375

Yes

XXXXXX

XXXXXX

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXXXX

302473047

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

B

B

D

B

A

A

D

A

B

B

XXXXXX

302477424

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

A

A

D

A

C

A

D

A

A

A

XXXXXX

302488405

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302477493

Yes

XXXXXX

XXXXXX

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

XXXXXX

302483464

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302486624

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302490734

Yes

XXXXXX

XXXXXX

D

B

A

A

D

A

D

B

D

B

A

A

D

A

D

B

XXXXXX

302492747

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302492746

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302492744

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302492741

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302494329

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302533071

Yes

XXXXXX

XXXXXX

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXXXX

302324342

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302413665

Yes

XXXXXX

XXXXXX

D

A

C

A

D

A

A

A

D

B

C

A

D

B

A

A

XXXXXX

302476304

Yes

XXXXXX

XXXXXX

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXXXX

302483046

Yes

XXXXXX

XXXXXX

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

XXXXXX

302483044

Yes

XXXXXX

XXXXXX

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXXXX

302272909

Yes

XXXXXX

XXXXXX

D

A

D

A

A

A

C

A

D

A

D

A

A

A

C

A

EX-99.10

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.10 

					Origination Values										Automated Valuation Model							Desk Review				Second Desk Review				Field Review				Second Field Review				1004 SFR (Mar 05)				2055 Ext Only (Mar 05)				BPO (Broker Price Opinion)				Other					AUS Information
Seller Loan ID	Alt Loan Number	Original Balance	Sales Price	Value For LTV	Appraised Date	Appraised Value	Appraisal Form	AVM Vendor Name	Confidence Score	Review Date	Review Value	Variance Amount	Variance %	Review Type	Report Date	Value	Variance Amount	Variance (%)	AVM Vendor Name	AVM FSD	Confidence Score	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance %	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Report Date	Report Value	Variance Amount	Variance (%)	Report Date	Value	Variance Amount	Variance (%)	Other - Valuation Type	Report Date	Value	Variance Amount	Variance (%)	CU Score
XXXXXX	302483279	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
XXXXXX	302476667	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
XXXXXX	302505503	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.6
XXXXXX	302488290	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.4
XXXXXX	302476625	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.9
XXXXXX	302488266	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
XXXXXX	302515165	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.5
XXXXXX	302493632	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	Property Inspection Waiver			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		10.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
XXXXXX	302483210	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	Property Inspection Waiver			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		8.600		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
XXXXXX	302483192	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302488192	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
XXXXXX	302493604	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
XXXXXX	302483162	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
XXXXXX	302493601	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	Property Inspection Waiver			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		10.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
XXXXXX	302483148	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302483146	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
XXXXXX	302483145	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
XXXXXX	302045410	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302490743	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
XXXXXX	302490742	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.3
XXXXXX	302403297	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.8
XXXXXX	302541744	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.7
XXXXXX	302136733	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302315010	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
XXXXXX	302316432	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Field Review	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
XXXXXX	302401371	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1025 Multi-Fam (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
XXXXXX	302315917	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
XXXXXX	302270487	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.8
XXXXXX	302408762	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
XXXXXX	302318376	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.2
XXXXXX	302278993	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
XXXXXX	302393563	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
XXXXXX	302408760	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.0
XXXXXX	302289049	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	-0.74%	Full Appraisal	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
XXXXXX	302315006	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.8
XXXXXX	302303235	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
XXXXXX	302306393	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.8
XXXXXX	302410425	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
XXXXXX	302318077	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
XXXXXX	302324796	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
XXXXXX	302328859	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
XXXXXX	302330433	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.0
XXXXXX	302493513	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302332637	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.1
XXXXXX	302334889	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
XXXXXX	302334887	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.1
XXXXXX	302334885	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302334884	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	2.69%	Full Appraisal	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	2.69%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
XXXXXX	302337316	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.9
XXXXXX	302336599	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
XXXXXX	302336598	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302336595	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.2
XXXXXX	302337312	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	2090 Cooperative (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
XXXXXX	302467361	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.0
XXXXXX	302388326	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
XXXXXX	302338179	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302339291	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302408756	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.4
XXXXXX	302339289	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	5.0
XXXXXX	302410424	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
XXXXXX	302366986	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
XXXXXX	302493506	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302368643	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302369339	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
XXXXXX	302372067	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
XXXXXX	302371088	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
XXXXXX	302372064	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.6
XXXXXX	302372925	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.3
XXXXXX	302372924	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302372060	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302372917	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
XXXXXX	302372914	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302372911	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.1
XXXXXX	302404435	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.5
XXXXXX	302391334	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302391333	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.8
XXXXXX	302391330	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.3
XXXXXX	302391328	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.4
XXXXXX	302391325	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.0
XXXXXX	302394124	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
XXXXXX	302393560	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	5.0
XXXXXX	302394116	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.4
XXXXXX	302488406	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
XXXXXX	302408753	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.2
XXXXXX	302401365	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
XXXXXX	302408752	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302459170	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
XXXXXX	302405853	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302408748	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
XXXXXX	302410441	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
XXXXXX	302410439	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.2
XXXXXX	302410438	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
XXXXXX	302473056	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
XXXXXX	302413514	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.0
XXXXXX	302459168	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.4
XXXXXX	302426785	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.4
XXXXXX	302473987	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.0
XXXXXX	302460758	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
XXXXXX	302464898	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.4
XXXXXX	302462877	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
XXXXXX	302464892	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.3
XXXXXX	302467375	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
XXXXXX	302473047	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.5
XXXXXX	302477424	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.7
XXXXXX	302488405	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.0
XXXXXX	302477493	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.3
XXXXXX	302483464	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Lender Internal	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.9
XXXXXX	302486624	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302490734	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	5.0
XXXXXX	302492747	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	5.0
XXXXXX	302492746	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
XXXXXX	302492744	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.0
XXXXXX	302492741	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.2
XXXXXX	302494329	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	4.7
XXXXXX	302533071	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.1
XXXXXX	302324342	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1073 Condo (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	2.0
XXXXXX	302413665	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	-23.08%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	2.31%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	3.3
XXXXXX	302476304	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.5
XXXXXX	302483046	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	Property Inspection Waiver			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		10.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%	XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%
XXXXXX	302483044	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX			XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%	1.4
XXXXXX	302272909	XXXXXX	XXXXXX	XXXXXX	XXXXXX	XXXXXX	1004 SFR (Mar 05)			XXXXXX	XXXXXX	XXXXXX	0.00%	Desk	XXXXXX	XXXXXX	XXXXXX	0.00%		0.000		XXXXXX	XXXXXX	XXXXXX	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%		$0.00	$0.00	0.00%			$0.00	$0.00	0.00%

EX-99.11

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.11

 

Executive Narrative

April 14, 2021

Performed by

Wipro Opus Risk Solutions, LLC

For

J.P. Morgan

This report summarizes the results of a due diligence review performed on a pool of 35 loans. Of the 35 loans, 33 were provided by J.P. Morgan Mortgage Acquisition Corp. (“Customer”) who provided Wipro Opus Risk Solutions, LLC (“Consultant”) with a data tape on the loans which were loaded into the OpusFirst^® underwriting software. 1 loan was provided by LoanDepot.com, LLC who provided Consultant with a data tape on the loans which were loaded into the OpusFirst^® underwriting software. 1 loan was provided by Mortgage Asset Exchange who provided Consultant with a data tape on the loans which were loaded into the OpusFirst^® underwriting software. Consultant performed a detailed compliance and credit review on all loans.

Consultant was established in 2005. Consultant was acquired in January 2014 by Wipro Ltd, a global information technology, consulting, and outsourcing company.

Credit Qualification: A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by the Client were met. Confirmation of the loan terms were performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review consisted of the following:

ü Guidelines: Determine whether each mortgage loan met the requisite guideline requirements as specified by the Client. In addition to the Client provided underwriting guides, Consultant considered Regulation Z including Appendix Q when applicable. If the loan pre-dated the requirements of Regulation Z and Appendix Q, Consultant considered Fannie Mae’s Seller guidelines;

ü Employment: Reviewed the file to determine employment was documented and verified to comply with the underwriting guides provided by the Client;

ü Income: Recalculate borrower(s) monthly gross income to determine if income was calculated and verified in accordance with the underwriting guidelines provided by the Client;

ü Appraisal Review: Consultant reviewed the appraisal to ensure conformity with the Client provided underwriting guides;

Ø Value Review Disclaimer: The individuals who performed the above procedures are not persons providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice (“USPAP”) or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law. Consultant makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Consultant may have reviewed the valuation information for reasonableness. Consultant is not an Appraisal Management Company (“AMC”) and therefore does not opine on the actual value of the underlying property. Consultant is not a creditor within the meaning of the Equal Credit Opportunity Act (“ECOA”) or other lending laws and regulations, and therefore Consultant will not have any communications with or responsibility to any individual concerning property valuations. Consultant does not check to see if any appraiser in on the Freddie Mac exclusionary list.

ü Assets: Confirmed the presence and verification of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity;

ü Debt Ratio: Recalculated the debt to income ratio and verified the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines;

ü Original Loan to Value (“LTV”) and Combined Loan to Value (“CLTV”) Ratios: Recalculated and verified the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and met Client provided underwriting guidelines;

ü Credit History: Reviewed the credit report to verify that the borrower(s) demonstrated adequate credit depth to comply with the Client provided underwriting guideline requirements;

ü Credit Score: Verified that borrower(s) met the minimum credit score requirements to comply with the Client provided underwriting guides;

Opus CMC Privileged and Confidential Page 2

ü Document Inventory/Accuracy: The Consultant inventoried each closed loan file to ensure the documentation required by the Client provided underwriting guidelines were present. The Consultant audited all Notes, Riders, Addendums, Mortgage, Assignments, Modification Agreements, Assumption Documentation, Title Policy, & Deeds to ensure accuracy, completeness, proper interest conveyance, and appropriate lien position as required per closing instructions and in accordance with the Client provided underwriting guidelines. If the subject property was either a Cooperative or Leasehold, the corresponding security agreements, abstracts, and land lease agreements shall be reviewed for completeness and accuracy. The Consultant reviewed the mortgage loan to ensure that it met the Client provided underwriting guides for hazard, flood, mortgage, or other insurance as applicable.

Misrepresentation Review: Validated that an independent fraud report was in the file and performed the following review:

ü Checked for signature variations between the imaged documents

ü Reviewed alerts on the credit report

ü Compared SSNs across all document in the loan file

ü Checked for apparent alterations to the imaged documents provided

ü Compared additional information located in the file provided for discrepancies potentially leading to misrepresentation

ü Reviewed third party fraud product provided and reviewed for any alerts and set conditions where applicable

Property Valuation Review: Reviewed each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance. If a variance of more than 10% was noted, ensured any required secondary valuation product was ordered and reviewed. Applied the appropriate rating agency grade after reviewing the required valuation products.

During the Property Valuation Review, the Consultant identified 19 loans that had a Collateral Underwriter score through Fannie/DU of 2.5 or less. Due to this scoring, a third party valuation product was not required.

FEMA Declared Disaster Zones: If a FEMA declared disaster occured after the inspection date on the appraisal, Consultant reviewed the file to determine if an exterior inspection was present to ensure:

ü NO apparent damage to the property

ü Property appeared to be occupied.

Homeowner Flood Insurance Affordability Act (HFIAA): Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf required the escrow of all premiums and fees for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

National Flood Insurance Program (NFIP) – For loans originated prior to January 1, 2016, the mortgage loans were reviewed to ensure adherence to flood insurance coverage as outlined under NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

Multiple Loans to One Borrower: TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

Regulatory Compliance: Each mortgage loan file was subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under MDIA, the federal Truth in Lending Act (“TILA”), as amended by HOEPA, 15 U.S.C. § 1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 226; (ii) Section 4 of the Real Estate Settlement Procedures Act (“RESPA”), 12 U.S.C. §2603, as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) Fannie Mae points and fees limitations and HOEPA restrictions as addressed in Fannie Mae Announcement 04-06; (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances that were enacted to combat predatory lending

ü Section 32/HOEPA. Review included but was not necessarily limited to:

Ø APR test

Ø HPML test

Ø Points and Fees test

Ø Review of Section 32 disclosure for accuracy (i.e. payment stream, highest payment scenario; dates disclosed, dates acknowledged)

Ø Review and confirm documentation type (i.e. full, stated, no ratio)

Ø Review for evidence of prepayment penalty

Opus CMC Privileged and Confidential Page 3

Ø Verification of Debt to Income conformity, when necessary.

üFederal Truth in Lending Act/Regulation Z. Review included, but was not necessarily limited to:

Ø   A review of the material compliance disclosures set forth in the Truth in Lending Disclosure and the Notice of Right to Cancel, if applicable. A review and comparison of the initial and final TIL with a report outlining any TILA violations. Review includes a re-calculation of disclosed finance charge, proper execution by all required parties, principal and interest calculations, payment stream(s), recalculation of disclosed APR, and a review to ensure disclosure differences were within the allowed tolerances. A review of the Notice of Right to Cancel: Review included a verification of the transaction date and expiration date, ensured proper execution of the Notice of Right to Cancel by all required parties verified the disbursement date and determined if a full 3-day rescission period were adequately provided to the borrower(s).

üS.A.F.E. Mortgage Licensing Act:

Ø Consultant performed a search of the mortgage loan originator and of the loan officer (“MLO”) in the www.nmlsconsumeraccess.org database in order to confirm that the MLO were appropriately licensed at the time of the mortgage loan’s origination and closing.

Seasoning and Certain Compliance Exceptions: Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period was not limited for claims, other than rescission, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

RESPA/Regulation X: Each mortgage loan was reviewed to ensure compliance with the January 1, 2010 or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

Good Faith Estimate (GFE) and Final HUD-1 Settlement Statement:

Ø Good Faith Estimate (GFE): The Consultant confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan including

o Confirmed the presence of the current GFE form in effect at the time of origination.

o Verified the GFE was provided to the borrower(s) within three days of “Application”.

§ Application was defined by Regulation X and generally be considered complete when the following conditions are met (a) Borrower(s) First and Last Name (b) Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report) (c) Subject Property Address (including “To Be Determined”) (d) Mortgage Loan Amount Sought (e) Estimation of Property Value (f) Monthly Income

o The Consultant verified that all Broker fees, including Yield Spread Premium (“YSP”) were accurately disclosed and reflected in the appropriate locations.

o Fees were reviewed to ensure they are reasonable and customary fees for the lender and title and escrow companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the document.

o Analysis to determine whether a Changed Circumstance form were required to accompany each revised Good Faith Estimate (GFE)

Ø Final HUD-1: The Consultant confirmed compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

o Confirmed the presence of the current applicable Final HUD-1 form

o Confirmed the Final HUD-1 accurately lists all broker and YSP fees.

Ø Good Faith Estimate (GFE) and Final HUD-1 analysis: Confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan including:

o Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (no variance)

o Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s) on the Final HUD-1 (10% tolerance in variance)

o Analysis to confirm all fees are accurately reflected in the correct tolerance category on the Good Faith Estimate (GFE) and Final HUD-1

Opus CMC Privileged and Confidential Page 4

o Analysis to confirm lender accurately provided borrower adequate restitution in the event of tolerance violations and timelines for restitution/document correction were adhered to

o Analysis to confirm loan terms are accurately disclosed between the Good Faith Estimate (GFE) and Final HUD-1

o Analysis to confirm page 3 of the HUD-1 accurately reflects fees disclosed on the Good Faith Estimate (GFE) and Final HUD-1

Additional Regulation X Disclosures and Requirements: The Consultant confirmed compliance with current RESPA documentation and timing requirements in effect at origination of the Mortgage Loan including:

Ø Servicing Transfer Disclosure:

o Confirmed the presence of the Servicing Transfer Disclosure form in file

o Verified the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of “Application”

o Confirmed the Servicing Transfer Disclosure is executed by all applicants

Ø Special Information Booklet

o Confirmed the presence of the Special Information Booklet in file on Purchase and Construction (Construction to Perm loans) loans

o Confirmed the Special Information Booklet provided within three general business days of application

Ø Affiliated Business Disclosure

o Confirmed the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

o Confirmed the Affiliated Business Disclosure provided within three general business days of “Application” (Consultant reviewed for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)

o Confirmed the Affiliated Business Disclosure is executed

Ø Initial Escrow Disclosure Statement

o Confirmed the presence of the Initial Escrow Disclosure Statement in file

o Confirmed the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

Statutory TILA RESPA Integrated Disclosure Review Procedures: Each mortgage loan was reviewed to ensure compliance with applications received October 3, 2015 or later (the earlier of the date the broker or lender received the borrower’s application). The TRID review consisted of the following:

Ø The Loan Purpose and Property Type included a closed-end mortgage secured by real estate:

o Purchase

o Refinance (Cash Out or Rate Term)

o Construction and Construction to Permanent Financing

o SFR, 1-4 Unit, PUD, Condo and Coops (Coop may be excluded based on Client instructions)

Ø The Loan Purpose and Property Type did not include:

o HELOCs

o Reverse mortgages

o Dwellings that are not attached to real property

o Mobile homes, where the consumer does not own the land,

Ø For purposes of determination of Occupancy, TRID applied to loans for owner occupied, second home and vacant land.

Ø Consultant applied the standard exemptions from TILA, i.e., business purposes loans, loans for agricultural purposes and loans secured by five (5) or more units.

o Please be aware that TILA contained a TRID-specific exemption for certain subordinate lien loans for the purposes of various types of assistance programs such as down payment or closing cost, property rehabilitation, energy efficiency or foreclosure avoidance or prevention. Consultant did not test such loans for TRID compliance.

Loan Estimate (″LE″)

Ø Initial LE

o Verification of compliance with timing requirements as to whether the Initial LE were delivered within three (3) business days from the Application Date. The Initial LE used the delivery date to calculate the earliest closing

Opus CMC Privileged and Confidential Page 5

Consummation Date (no less than seven (7) business days from the delivery of the Initial LE). The delivery date was the date the creditor hand delivered the disclosures or placed the disclosures in the mail, 1026.19(e)(1).

Ø Revised LEs

o If there was a revision to the LE, validated that the Revised LE is provided within three (3) days of COC, BRC or interest rate lock. Reviewed as necessary for sufficient information to establish one of the six (6) valid reasons to reset tolerance fees set forth in TRID:

§ Changed Circumstance affecting settlement charges

§ Change Circumstance affecting eligibility

§ Revisions requested by the consumer

§ Interest rate dependent charges

§ Expiration of the LE and

§ Delayed settlement date on a construction loan

§ Timing Requirement for LE 7 days prior to consummation

Ø Determination of final binding LE

o Reviewed and analyzed each LE in file to determine final Binding LE. If there was a change in loan terms, change in interest rate or increase in charges subject to variances without valid reason for a Revised LE as set forth above, findings will be cited. If a Revised LE was issued without a valid reason, the previous valid LE would be considered the Binding LE for the purposes of comparison with the Closing Disclosure.

o Verification of compliance with timing requirements that there have been no loan estimates provided to the borrower after a Closing Disclosure has been delivered, and whether the Final LE was provided at least four (4) business days prior to the closing Consummation Date.

o If the LE did not contain a signature line for the consumer’s confirmation of receipt, then OPUS will look for the “Loan Acceptance” statement under “Other Considerations” or other client-documented acknowledgement and borrower intent to proceed.

o Verification that the correct form is used and all sections of the Initial LE are completed (no blanks, “NA’s” or incomplete sections) and the Initial LE is accurate as follows:

§ Verification of the technical formatting of the LE is NOT included in the standard review. The formatting of the document is the responsibility of the document preparation source.

§ General loan information and loan terms sections completed and formatting is accurate.

· Verify loan term, purpose, and product descriptions follow the prescribed format.

· Verify all applicants applying for credit, as disclosed on the application, are listed on the LE

o “Can this amount increase after closing?” and “Does the loan have these features?” sections are completed and are accurate based on the terms disclosed on the LE.

o If rate is locked, were lock expiration date, time and time zone disclosed.

o Settlement charges good through date, time and time zone disclosed with minimum of 10 days during which borrower was permitted to shop knowing fees were locked during that timeframe.

o Projected Payments and Estimated Taxes, Insurance & Assessments sections were complete and accurate based on the loan terms and information known at the time of disclosure.

o The Closing Costs and Cash-to-Close sections were completed and accurate based on the information provided on page 2 of the LE.

o Fees disclosed properly (alphabetical order within Section with certain exceptions, and all title fees start with ″Title – ″) in Closing Cost Details section.

§ It was recommended that an Itemization of Fees was provided for any fees disclosed as “Aggregate”. It ws quite difficult to determine if the fees were disclosed properly without this information.

o Any addenda found in file listing ADDITIONAL fees for sections other than Section C

o If Interest Only Payments, Optional Payments, Step Payments, or Seasonal Payments, is Adjustable Payment (″AP″) Table disclosed and accurate based on early disclosures in the file.

o If ARM or Step Rate, is Adjustable Interest Rate (″AIR″) Table disclosed and accurate based on the early disclosures in the file.

o The Comparison section was complete.

o Rounding rules verified as per 1026.37(o)(4).

o Other Considerations Section is complete

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Written list of providers

Ø If the lender placed fees in the Services You Can Shop For category, verifed that the file contained a Written List of Providers provided to the borrower within three (3) business days of application. The WLSP must include at least one available provider for each service and state the consumer may choose a different provider for that service. If a written list of service providers was not provided, the fees will be treated as a 10% Tolerance fee but a finding for missing service provider list will be noted. If a written list of service providers is provided outside of three (3) days of the application date, the fees will be treated was a 10% Tolerance fee but a finding for a service provider list being provided outside of three (3) days from application will be noted.

Variance Tests

Utilize one (1) of the following Variance Categories in performing variance tests:

o Zero Tolerance/Variance* - A finding was cited if any charges increased from the Binding LE to the Final CD without COC or BRC. Such increases include:

§ Fees paid to the lender, broker or an affiliate of either lender or broker

§ Fees paid to an unaffiliated third party if the lender did not permit the borrower to shop for servicer; and

§ Transfer taxes.

§ Lender Credits

o 10% Tolerance/Variance* – A finding was cited if the aggregate of the charges increased by more than 10% from the Binding LE to the Final CD without COC or BRC. If a fee/service was listed on the LE but not charged/reflected on the Final CD, the fee was removed and not considered in calculating the 10% variance threshold pursuant to Comment 19(e)(3)(ii)-5. Such increases include:

§ Recording fees; and

§ Charges for third party services not paid to creditor or affiliate AND borrower permitted to shop for service but selects a provider on the creditor’s Written List of Service Providers.

§ Prepaid mortgage insurance was treated as a 10% tolerance fee if it can be shopped for (and not identified as an affiliate), otherwise it will be treated as a zero tolerance fee.

o No Tolerance/Unlimited – No finding was cited if any of the charges changed from the Binding LE to the Final CD, provided that the disclosed amount on the LE was based on information reasonably known to the creditor at the time of disclosure (disclosed in good faith), such as:

§ Prepaid interest;

§ Property insurance premiums;

§ Impounds/Escrows;

§ Charges for services required by the creditor but the borrower was permitted to shop for and borrower selected a third party provider not on the lender’s Written Service Provider List; and

§ Charges for third party services NOT required by the creditor (even if paid to an affiliate of the creditor).

o Notes of interest for “No Tolerance/Unlimited”:

§ Prepaid property taxes charged by local and state governments periodically had no tolerance under the general ‘best information reasonably available’ standard unless otherwise instructed by the Client.

§ As noted above, Consultant reviewed the loan file for evidence the disclosure was not made in “Good Faith”. “Good faith” means the creditor made the estimate based on the information reasonably available to them at the time the LE was provided. Absent such evidence, Consultant considered the disclosures made in “good faith”. Two examples where a disclosure would be considered not made in “good faith” and a finding cited are:

o The creditor requires homeowner’s insurance but fails to include a homeowner’s insurance premium, a finding will be added that the LE was not issued in good faith.

o The creditor knows the loan must close on the 15^th of the month but estimates prepaid interest to be paid from the 30^th of that month, a finding will be added that the LE was not issued in good faith.

Additionally, if a documented valid COC or BRC occurs resulting in a change to loan terms, settlement charges or interest rate within four (4) business days of consummation, the variance test will be performed based on the revised amounts disclosed on the initial CD (or subsequent CD if change occurs after initial CD has been provided) provided that the change is related to the COC or BRC per Comment 19(e)(4)(ii)-1.

For loans with no Interim LE and no COC or BRC occurring four (4) days prior to consummation, fees and charges on the CD were tested for compliance with permitted variances against fees disclosed on Initial LE.

For loans with an Interim LE, the following procedures were applied:

o Review of each Interim LE and fees and charges on the CD were tested for compliance with variance thresholds against fees supported by a valid COC or BRC related to the charge that increases

o In cases where an Interim LE were issued with several fee increases, but only some are supported by or related to a valid COC or BRC, those fees which were not supported by or related to a valid COC, BRC or disclosed on an LE

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that was not provided timely (within three (3) business days of changed circumstance) will be tested for variance using the amounts disclosed in the Initial LE previously valid LE.

Closing Disclosure (″CD″)

Consultant conducted a general CD reviewed and verified the following:

o Recommendation: Closing Disclosure provided at closing be marked “Final.” Although this was not a requirement, marking the Closing Disclosure as Final ensured a timely review.

o That the correct form was used and all sections of the CD were completed (no blanks or incomplete sections).

o Acknowledgement of receipt by all borrowers with a right to rescind under 1026.23 by verifying that each borrower with a right to rescind was provided with a copy of the CD. This could include the non-borrowing spouse. Acknowledgement was based on lender guidelines.

o If the CD did not contain a signature line for the consumer’s signature, Consultant looked for the required alternative statement in “Other Disclosures” with the heading of “Loan Acceptance”. While not required, Consultant highly recommends that the client required the CD to be signed and dated by the consumer as it will ensure a timely review.

o If a subsequent CD were issued having changes to (a) the loan product which affects disclosed terms and loan information; (b) the addition of a prepayment penalty; or (c) an APR which exceeds the previously disclosed APR by more than the permitted tolerances for accuracy, Consultant will test that the borrower was given an additional three (3)-business day waiting period from the date of final pre-close CD with (a) the final loan product; (b) the prepayment penalty addition; or (c) the APR, and that the final pre-close CD has been received by borrower by consummation.

o On the final CD the following checks and limitations apply:

o Verification of the technical formatting of the CD was out of scope in the standard review. The formatting of the document was the responsibility of the document preparation source.

o Closing, Transaction and Loan Information sections have been completed with accurate information.

o Loan terms sections were completed.

o Consultant verified loan term, purpose, and product descriptions follow the prescribed format.

o Consultant verified all applicants applying for credit, as disclosed on the application, are listed on the LE

o “Can this mount increase after closing?” and “Does the loan have these features?” sections were completed accurately.

o Projected Payments and Estimated Taxes, Insurance & Assessments sections are completed accurately.

o Fees have been disclosed properly (alphabetically, correct buckets and all title fees start with ″Title – ″) in Closing Cost Details section.

o Any addenda found in file listing ADDITIONAL fees for sections other than Section C (Services You Can Shop For).

o Calculating Cash to Close table completed accurately.

o Summaries of Transaction section completed accurately

o Loan Disclosures section complete:

o CD Assumption, Demand Feature, Negative Amortization, and Partial Payments sections completed properly (at least and only one box selected).

o Late Payment completed properly (terms disclosed and accurate per note).

o Escrow Amount section completed properly (only one box selected and amounts disclosed).

§ Escrow Property Costs over Year 1 to be calculated per the payments scheduled to be made in a 1-year period after consummation (1026.38)(I)(7)(i)(A)(1).

§ Non-Escrowed Property Costs over 1 Year to be calculated using either 11 or 12 months as determined by client. (1026.38)(I)(7)(i)(B)(1)

o If Interest Only, Optional Payments, Step Payments, or Seasonal Payments, was Adjustable Payment (″AP″) Table disclosed accurately.

o If ARM or Step, was Adjustable Interest Rate (″AIR″) Table disclosed accurately.

o Loan Calculations section complete and accurate.

o Total of Payments was accurate per 1026.38(o)(1).

§ Include fees in section A, B, and C that are paid by the borrower as well as the seller or other if those fees are customarily paid by the borrower.

o Capture amounts disclosed in Loan Calculations section and test for TILA tolerance violations on disclosed APR and Finance Charge.

o Total Interest Percentage (TIP) accurate with proper rounding.

o Other Disclosures section complete with at least one choice selected as applicable.

o Review for the creditor’s selection of one of the two options in the Liability After Foreclosure section, but will not make an independent judgement whether or not the selection is correct for the property state. Only issue a condition if either no selection is made or if both selections are made.

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o Contact Information section was complete with information from each party of the transaction provided as applicable.

o Rounding rules verified as per 1026.38(t)(4). Rounding on all percentages except APR was percentages should be truncated so that a zero was not disclosed in the last decimal place (7.250 should be rounded to 7.25).

TRID method of receipt of LE and CD

Determined the method of receipt of the revised LE and CD and performed a compliance test with timing requirements. For purposes of the review and verification, the date the borrower was deemed to have received the disclosure(s) was based on any of the following methods:

· In Person: borrower signature date was used.

· Electronic* - No Receipt Confirmation in File: three (3) business days from later of document issue date or proof of e-delivery date was used.

· Electronic* - With Receipt Confirmation in File, date of receipt confirmation was used.

· Electronic*-Delivery confirmation of an email, assuming the borrower(s) have consented to electronic delivery.

· Mail (USPS or other parcel delivery service) – No Receipt Confirmation in File: three (3) business days from later of document issue date or proof of mailing date was used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements.

· Mail (USPS or other parcel delivery service) – With Receipt Confirmation in File: date of receipt confirmation is used. Delivery confirmation, i.e., confirmation that documents have been delivered to the borrower(s) door. Signature receipt by anyone other than the borrower(s) to the mortgage transaction constitutes evidence of delivery, not receipt, for the purposes of the receipt requirements. Unknown (unable to determine delivery method or unable to verify borrower received disclosures in any other method than by USPS Mail method): follow the USPS Mail delivery method of three (3) business days from the document issue date. As noted above, a signature by anyone other than the borrower(s) constitutes evidence of delivery and the method of receipt will be considered unknown, requiring an additional three (3) days from the date the non-borrower received the documents.

NOTE: If disclosures were sent electronically, a finding will be cited if there was no evidence in the file that the borrower consented to receive disclosures electronically. Default to the three (3) business day mail rule for delivery without the proper documentation of borrower consent.

Other recommended TRID compliance tests

Apply the following additional compliance tests which were included in the recommended review scope resulting from the 2015 CFPB Amendments:

· Use of TRID forms prior to TRID effective date: a finding was cited if the new TRID forms were utilized on a loan with an application received prior to the October 3, 2015 effective date.

· Use of TRID forms on loans not covered by TRID: a finding was cited if the new TRID forms were utilized on loans not covered by TRID (i.e., HELOC, i.e. reverse mortgages, i.e. Chattel Dwelling loans (loans on mobile homes that were not also secured by the underlying real property or loans on houseboats).

· Your Home Loan Toolkit: a finding was cited if the new Your Home Loan Toolkit Disclosure or evidence the disclosure was delivered or placed in the mail was not in the file or was not provided to the borrower within three (3) business days of application.

· Consummation Date: Consummation varies by applicable state law and the term is not often clearly defined. Accordingly, generally use the notary date. If there were multiple borrowers and they did not all sign the documents on the same day, then used the latest signature date.

· Post-Consummation Disclosures: TRID review scope did not include testing for compliance with the following post-consummation disclosures under TRID:

o Escrow Closing Notice; and

o Mortgage servicing transfer and partial payment notices.

Subsequent changes after consummation

The following prescribed cures as set forth in section 1026.19 (f)(2)(iii) through (v) were acceptable for changes and corrections to the Final CD after consummation.

· 1026.19(f)(2)(iii) – Changes due to events occurring after consummation.

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o If within 30 days of consummation, an event in connection with the settlement of the transaction occurred that caused the final CD to become inaccurate and such inaccuracy results in a change to an amount actually paid by the borrower(s) from the amount disclosed, test for evidence that a new, corrected CD was delivered or placed in the mail to the borrower within thirty (30) days of receiving information that an event occurred.

· 1026.19(f)(2)(iv) – Changes due to clerical errors.

o Non-numeric clerical errors, for the purpose of this scope document were any errors not related to a disclosed dollar amount or percentage. Test for evidence a new, corrected CD is delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation. Examples of non-numeric clerical errors include but are not limited to:

§ Corrections to the closing information section.

§ Corrections to the transaction information section.

§ Corrections to loan id # or MIC #.

§ Corrections to non-numeric identifiers in the Estimated Taxes, Insurance & Assessments section.

§ Corrections to the fee labels and/or order of fees.

§ Corrections to the location of the fee(s).

§ Corrections to missing cure language.

§ Corrections to the “Did This Change” section of Calculating Cash to Close.

§ Corrections to the Loan Disclosures section

§ Corrections to non-numeric items in the Escrow Account section.

§ Corrections to the Other Disclosures section.

§ Corrections to the Contact Information section.

· 1026.19(f)(2)(v) – Refunds related to the good faith analysis.

o Test for evidence such as a copy of the refund check, a new corrected CD, and evidence the creditor delivered or placed in the mail to the borrower within sixty (60) calendar days of consummation.

A post-consummation CD was understood to be a re-issued CD with a Date Issued represented as the date the post-consummation CD was issued. Corrections to the final pre-close CD were not be accepted as a post-consummation CD noted in the prescribed cures above.

Errors on LE’s and Interim CD’s and numeric errors on final CD’s which did not have prescribed cures as per the regulation were not reported as having been cured. The assessment of risk and decision to accept a finding that does not have a prescribed cure was the responsibility of the purchaser of the loan.

SFIG TILA RESPA Integrated Disclosure Review Procedures:

The Consultant reviewed TRID loans using loan level grading, cure provisions and general guidance associated with proposed TRID Compliance Review Scope issued by The Structured Finance Industry Group (hereinafter known as SFIG). The Customer acknowledges that the SFIG guidance was “proposed”, was not finalized and reflects potential for amendments based on additional rule making or guidance from the CFPB or adjudication from the U.S. Supreme Court that may over turn prevailing U.S. Circuit Court rulings.  The Client accepted and understood the potential risks associated with any potential future amendments resulting from guidance or rulings from the Bureau or the courts.

High Cost - State & Local Anti-Predatory Regulations: In addition to federal thresholds, the Consultant reviewed the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW:

Ø Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

Ø California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

Ø Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq. and as amended by Senate Bill 216 (2007) and House Bill 1322 (2007).

Ø Colorado Consumer Credit Code, Colo. Rev. Stat. 5-1-101 et seq.

Ø Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008).

Ø District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.

Ø Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq.

Ø Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53)

Ø Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

Ø Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq.

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Ø Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003).

Ø City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.

Ø Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).

Ø Indiana Home Loan Practices Act, Ind. Code § 24-9-1 et seq.

Ø Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. § 16a-1-101 et seq. 16. Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq. and as amended by Kentucky House Bill 552 (2008).

Ø Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007).

Ø Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).

Ø Massachusetts High Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).

Ø Massachusetts “Borrower’s Interest” Standard, M.G.L. Chapter 183, §28C.

Ø Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.

Ø Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

Ø Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.

Ø Nevada Anti-Predatory Lending Law, Nev. Rev. Stat. § 598D.010 et seq. and as amended by AB 440.

Ø New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.

Ø New Mexico Home Loan Protection Act, N.M. Stat. Ann. § 58-21A-1 et seq. and as amended by Senate Bill 342 (2009).

Ø New York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

Ø New York High Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).

Ø North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) and as amended by House Bill 1817 (2007).

Ø Ohio Anti-Predatory Lending Statute, Ohio Rev. Code Ann. § 1.63 and as amended by S.B. 185.

Ø City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

Ø Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

Ø Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.

Ø City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

Ø Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., including the Emergency and Final Regulations.

Ø South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.

Ø South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq

Ø Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.

Ø Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

Ø Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.

Ø Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.

Ø Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

Ø Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.

Ø Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

Ø Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

Ø Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.

Ø West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.

Ø Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

Dodd-Frank Act: The consultant reviewed each mortgage for compliance with the rules established under the Dodd-Frank Act for Ability-to-Repay and Qualified Mortgage requirements, 12 CFR 1026.43. The review consisted of the following:

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ü Ability to Repay: Assess the Ability-to-Repay (“ATR”) of each borrower for transactions which fall outside of the Qualified Mortgage (“QM”) rule. The review consisted of the following:

o ATR Verifications

§ Verification of the Ability-to-Repay were considered based on a review of the following criterial: (1) income and assets, (2) current employment status, (3) monthly payment on covered loan, (4) monthly payment on simultaneous loan, (5) monthly payment for mortgage related obligations, (6) current debt, alimony and child support, (7) DTI or residual income, and (8) credit history.

o ATR Credit Exceptions

§ Verified that no lender based credit exceptions are present and/or approved.

o ATR Rating

§ ATR test results were provided by grading each loan’s ATR compliance as: ATR-Pass, ATR-Fail and ATR Exempt.

ü Qualified Mortgage: Evaluated each loan seeking QM status to validate compliance with requirements of the Qualified Mortgage (“QM”) regulations for Temporary Qualified Mortgages (“TQM”), Small Creditor Qualified Mortgages (“SCQM”) and Small Creditor Balloon Qualified Mortgages (“BQM”). This review consisted of the following:

Ø Product Features

o Verified that loans seeking QM status not allow for interest only loan terms, negative amortization loans, balloon terms or terms exceeding 30 years.

Ø Debt-to-Income Ratios

o Verified that debt-to-income ratios did not exceed 43%.

Ø Points and Fees

o Verified that loans seeking QM status did not contain charges to the borrower that exceed the 3 percent of the total loan amount for a loan greater than or equal to $100,000, $3,000 for a loan greater than or equal to $60,000 but less than $100,000, 5 percent of the total loan amount for a loan greater than or equal to $20,000 but less than $60,000, $1,000 for a loan greater than or equal to $12,500 but less than $20,000, or 8 percent of the total loan amount for a loan less than $12,500. (2014 – subject to annual adjustments in subsequent years)

ü Temporary Qualified Mortgage: Verified that loans made from the government and the GSEs met all applicable guideline requirements in lieu of the 43% debt-to-income ratio cap including guidelines regarding: LTV/CLTV, DTI, Credit Score, Reserves, Max Loan Amount, the maximum cash out amount and minimum disposable income requirements.

Ø QM & ATR Reporting

o Upon review of the related documents and QM and ATR testing standards, verified the QM/ATR status in the credit rating agency format as follows:

· QM – NonHPML

QM or TQM – Pass / HPML – No or QM/Agency Safe Harbor

· QM – HPML

QM or TQM – Pass / HPML – Yes

· NonQM – Compliant

QM or TQM – Fail, Exempt / ATR – Compliant

· NonQM – Noncompliant

QM or TQM – Fail, Exempt / ATR – Noncompliant

· Not covered – Exempt

QM or TQM – Exempt / ATR – Exempt

Ø Higher Priced Mortgage Loans

o Determined whether each loan would be considered a Higher Priced Mortgage Loan (“HPML”). A loan APR which exceeds the Average Prime Offer Rate by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the formula is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium factor.

Ø Escrow Requirements

o Verified that all HPML loans have escrow accounts established for the first five years of the life of the loan.

Ø HPML Appraisal Rules

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o Verified that all HPML loans meet the following additional appraisal rules: borrower’s right to receive the appraisal report, written appraisal from a certified or licensed appraiser, evidence of an interior inspection, delivery of copies no later than 3 days from consummation, and a 2^nd appraisal detailing improvements, market conditions and change in sale price for loans that meet the “flipping” definition.

Ø Loan Originator Compensation

o Verified disclosed compensation is permissible. Verified disclosed compensation in Points and Fees testing as appropriate. Verified Loan Originator and Loan Originator Organization licensing status as well as proper disclosure on the application, note and mortgage as per applicable Safe Act and Loan Originator regulations.

ü Regulatory Compliance Disclaimer: Please be advised that Consultant will not make a determination as to whether loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated herein. There can be no assurance that the review uncovered all issues relating to the origination of the mortgage loans, their compliance with applicable law and regulation and the original appraisals relating of the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Consultant are dependent upon its receiving complete and accurate data regarding the mortgage loans from loans originators and other third parties upon which Opus is relying in reaching such findings. Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use

Data Integrity: Consultant compared the data supplied on the bid tape provided by the Client to the documents contained in the loan file. If the comparison revealed discrepancies, these were reconciled by Consultant and reported as a data difference and the final data tape updated accordingly. Data elements for comparison were determined on an “as available” basis and upon mutual agreement between Consultant and Client.

Pool Details

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Tape Discrepancies

Data Element	Count	Accuracy
Application Date	0	100.00%
Appraised Value	15	57.14%
CLTV	9	74.29%
DTI	33	5.71%
FICO	3	91.43%
First Payment Date	0	100.00%
Interest Rate	2	94.29%
Junior Lien Balance	0	100.00%
Loan Purpose	1	97.14%
Loan Term	0	100.00%
Loan Type	0	100.00%
LTV	7	80.00%
Maturity Date	0	100.00%
Note Date	0	100.00%
Number of Borrowers	18	48.57%
Occupancy	0	100.00%
Original Loan Amount	9	74.29%
Original P&I	0	100.00%
Original Payment	18	48.57%
Property Address	2	94.29%
Property City	3	91.43%
Property County	0	100.00%
Property State	0	100.00%
Property Type	5	85.71%
Qualifying FICO	0	100.00%
Sales Price	2	94.29%
Second Mortgage Lien Amount	1	97.14%
Borrower Lasr Name	0	100.00%
Borrower First Name	0	100.00%
Self Employed	0	100.00%
Units	0	100.00%
Zip Code	0	100.00%
Total Loans	35

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Loan Grading Definitions

Credit

S&P	Moody’s	Fitch	Kroll	DBRS	Definition
A	A	A	A	A	Loan conforms to all applicable guidelines, no conditions noted
B	B	B	B	B	Loan does not meet every applicable credit guideline.  However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors
C	C	C	C	C	The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors
D	D	D	D	D	The loan file is missing critical documentation required to perform the review

Compliance

S&P	Moody’s	Kroll	DBRS	Definition
A	A	A	A	The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
B	B	B	B	The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist
C	C	C	C	The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
D	D	D	D	The loan file is missing critical documentation required to perform the review

Fitch	Definition
A	The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
B	The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented
C	The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations
D	The loan file is missing critical documentation required to perform the review

Opus CMC Privileged and Confidential Page 16

Property Valuation

Moody’s	Fitch	Kroll	DBRS	Definition
A	A	A	A	Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.
B	B	B	B	Meets all terms for an A, but property requires cosmetic or minor repairs that do not effect value or habitability
C	C	C	C	Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines
D	D	D	D	The loan file was missing the appraisal and/or other valuations products needed to complete the review

S&P	Definition
A	First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete.
B	First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not effect value or habitability
C	Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines
D	The loan file was missing the appraisal and/or other valuations products needed to complete the review

Opus CMC Privileged and Confidential Page 17

Loan Review Findings

The following summarizes Consultant’s initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated April 14, 2021.

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Opus CMC Privileged and Confidential Page 22

Loans Reviewed (35)

300158466

301083791

301331678

301353597

301361848

301368654

301404706

301407609

301442180

301443900

301443902

301518327

301593131

301499937

301599877

301459891

301530963

301482982

301514414

301481356

301500084

301478573

301481373

301491351

301527082

301533273

301533274

301550714

301624779

301573101

301552265

301573149

301580836

301583661

301548317

If you have any questions, please contact Peter Butler at Peter.Butler1@wipro.com

Opus CMC Privileged and Confidential Page 23

EX-99.12

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.12 

Customer Loan ID	Data Field	Tape Data	Review Data	Tape Discrepancy Comments
300158466	DTI	23.44%	18.98%	Audit value due to pulling debt from most recent credit report in file.
301083791	DTI	34.29%	35.58%	1008 DTI 35.263%;  Audit monthly debt figures are based on the most recent credit report in the loan file
301083791	Number of Borrowers	1	2	Number of Borrowers taken from note
301083791	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301083791	Property Address	Per Tape	Per Data	Address Pulled From Note
301083791	Property Type	Single Family Detached	PUD	Appraisal Reflects PUD
301331678	CLTV	59.13%	69.70%	1st lien of $XXX,XXX.XX+ 2nd lien of $XXX,XXX.XX / Value of $X,XXX,XXX.XX = CLTV of 69.70%
301331678	DTI	37.97%	46.85%	1008 DTI 38.418%. .  Audit included business debt as the lender did not provide enough evidence that it was paid by the business.
301331678	Loan Purpose	Refi Rate/Term	Refi Cash Out	Borrower Receiving > 2% or $2,000
301331678	Number of Borrowers	1	2	Note reflects 2 borrowers.
301331678	Second Mortgage Lien Amount	Per Tape	Per Data	Value pulled from full draw amount on 2nd lien note
301361848	Number of Borrowers	0	1	Number of borrowers taken from note.
301368654	Interest Rate	4.5	4.25	Audit Value is Original Interest Rate from Note
301368654	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301368654	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301368654	Property City	Per Tape	Per Data	Property City Pulled From Note
301368654	DTI	42.7	42.68	1008 DTI 42.68%; Audit monthly debt figures are based on the most recent credit report in the loan file
301599877	Number of Borrowers	1	2	Note reflects 2 borrowers
301599877	DTI	41.22	41.28	1008 DTI 41.22%; Audit monthly debt figures are based on the most recent credit report in the loan file
301404706	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301404706	DTI	24.33	30.57	1008 DTI 30.57%; Audit monthly debt figures are based on the most recent credit report in the loan file
301407609	Loan Amount	Per Tape	Per Data	Audit Value is Original Loan Amount from Note
301407609	Sales Price	Per Tape	Per Data	Audit Value is matches Sales Contract and Final CD
301407609	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301407609	Property Type	Single Family Detached	PUD	Appraisal Reflects PUD
301407609	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301407609	Number of Borrowers	1	2	Note reflects 2 borrowers
301407609	DTI	26.75	41.51	1008 DTI 44.91%; Audit monthly debt figures are based on the most recent credit report in the loan file
301443902	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301443902	Number of Borrowers	1	2	Note reflects 2 borrowers
301443902	Property City	Per Tape	Per Data	Property City Pulled From Note
301443902	DTI	22.34	24.05	1008 DTI 24.05%; Audit monthly debt figures are based on the most recent credit report in the loan file
301442180	Loan Amount	Per Tape	Per Data	Audit Value is Original Loan Amount from Note
301442180	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301442180	LTV	76.71	90	Audit reflects loan amount/appraised value
301442180	CLTV	76.71	90	Audit reflects loan amount/appraised value
301442180	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301442180	DTI	43	38.39	1008 DTI 38.39%; Audit monthly debt figures are based on the most recent credit report in the loan file
301481373	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301481373	DTI	39.21	39.37	1008 DTI 39.37%; Audit monthly debt figures are based on the most recent credit report in the loan file
301514414	CLTV	70.267	70.27	Audit reflects loan amount/appraised value
301514414	Number of Borrowers	1	1	Note reflects 2 borrowers
301514414	DTI	43.392	43.86	1008 DTI 43.39%; Audit monthly debt figures are based on the most recent credit report in the loan file
301443900	Interest Rate	4.75	4.88	Audit Value is Original Interest Rate from Note
301443900	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301443900	LTV	69.69	70.67	Audit reflects loan amount/appraised value
301443900	CLTV	69.69	70.67	Audit reflects loan amount/appraised value
301443900	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301443900	Number of Borrowers	1	2	Note reflects 2 borrowers
301443900	DTI	39.69	33.83	1008 DTI 33.83%; Audit monthly debt figures are based on the most recent credit report in the loan file
301459891	Loan Amount	Per Tape	Per Data	Audit Value is Original Loan Amount from Note
301459891	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301459891	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301459891	DTI	27.97	32.87	1008 DTI 32.87%; Audit monthly debt figures are based on the most recent credit report in the loan file
301482982	LTV	67.81	67.82	Audit reflects loan amount/appraised value
301482982	CLTV	67.81	67.82	Audit reflects loan amount/appraised value
301482982	DTI	29.39	41.67	1008 DTI 41.67%; Audit monthly debt figures are based on the most recent credit report in the loan file
301533274	Loan Amount	Per Tape	Per Data	Audit Value is Original Loan Amount from Note
301533274	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301533274	LTV	77.53	77.3	Audit reflects loan amount/appraised value
301533274	CLTV	77.53	77.3	Audit reflects loan amount/appraised value
301533274	Property City	Per Tape	Per Data	Property City Pulled From Note
301533274	DTI	41.06	42.05	1008 DTI 41.01%; Audit monthly debt figures are based on the most recent credit report in the loan file
301573149	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301573149	Number of Borrowers	1	3	Note reflects 3 borrowers
301573149	DTI	48.014	47.66	1008 DTI 48.01%; Audit monthly debt figures are based on the most recent credit report in the loan file
301478573	DTI	39	42.71	1008 DTI 42.71%; Audit monthly debt figures are based on the most recent credit report in the loan file
301533273	DTI	36.49	36.29	1008 DTI 36.49%; Audit monthly debt figures are based on the most recent credit report in the loan file
301491351	Loan Amount	Per Tape	Per Data	Audit Value is Original Loan Amount from Note
301491351	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301491351	LTV	78.79	78.33	Audit reflects loan amount/appraised value
301491351	CLTV	78.79	78.33	Audit reflects loan amount/appraised value
301491351	Property Type	Single Family Detached	PUD	Appraisal Reflects PUD
301491351	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301491351	Number of Borrowers	1	2	Note reflects 2 borrowers
301491351	DTI	35.52	40.97	1008 DTI 40.97%; Audit monthly debt figures are based on the most recent credit report in the loan file
301499937	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301499937	FICO	710	708	Audit reflects loan qualifying FICO.  1008 matches audit.
301499937	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301499937	Number of Borrowers	1	2	Note reflects 2 borrowers
301499937	DTI	36.88	41.04	1008 DTI 41.04%; Audit monthly debt figures are based on the most recent credit report in the loan file
301500084	Loan Amount	Per Tape	Per Data	Audit Value is Original Loan Amount from Note
301500084	Sales Price	Per Tape	Per Data	Audit Value is matches Sales Contract and Final CD
301500084	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301500084	Property Type	Single Family Detached	PUD	Appraisal Reflects PUD
301500084	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301500084	DTI	38.97	19.82	1008 DTI 19.82%; Audit monthly debt figures are based on the most recent credit report in the loan file
301573101	Number of Borrowers	1	1	Note reflects 2 borrowers
301573101	DTI	7.213	7.21	1008 DTI 7.21%; Audit monthly debt figures are based on the most recent credit report in the loan file
301527082	Property Type	Single Family Detached	PUD	Appraisal Reflects PUD
301527082	DTI	39.95	40.04	1008 DTI 40.65%; Audit monthly debt figures are based on the most recent credit report in the loan file
301552265	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301552265	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301552265	DTI	37.85	38.67	1008 DTI 42.05%; Audit monthly debt figures are based on the most recent credit report in the loan file
301550714	Loan Amount	Per Tape	Per Data	Audit Value is Original Loan Amount from Note
301550714	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301550714	LTV	56.47	52.14	Audit reflects loan amount/appraised value
301550714	CLTV	56.47	52.14	Audit reflects loan amount/appraised value
301550714	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301550714	Number of Borrowers	1	2	Note reflects 2 borrowers
301550714	DTI	38.5	42.88	1008 DTI 42.88%; Audit monthly debt figures are based on the most recent credit report in the loan file
301580836	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301580836	Property Address	Per Tape	Per Data	Address Pulled From Note
301580836	DTI	31.58	32.22	1008 DTI 32.22%; Audit monthly debt figures are based on the most recent credit report in the loan file
301583661	Loan Amount	Per Tape	Per Data	Audit Value is Original Loan Amount from Note
301583661	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301583661	LTV	75	77.79	Audit reflects loan amount/appraised value
301583661	CLTV	75	77.79	Audit reflects loan amount/appraised value
301583661	FICO	809	769	Audit reflects loan qualifying FICO.  1008 matches audit.
301583661	Number of Borrowers	1	2	Note reflects 2 borrowers
301583661	DTI	41.8	41.97	1008 DTI 42.31%; Audit monthly debt figures are based on the most recent credit report in the loan file
301353597	Loan Amount	Per Tape	Per Data	Audit Value is Original Loan Amount from Note
301353597	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301353597	DTI	32.82	35.92	1008 DTI 35.92%; Audit monthly debt figures are based on the most recent credit report in the loan file
301518327	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301518327	Number of Borrowers	1	2	Note reflects 2 borrowers
301518327	DTI	35.35	42.63	1008 DTI 42.81%; Audit monthly debt figures are based on the most recent credit report in the loan file
301481356	FICO	767	730	Audit reflects loan qualifying FICO.  1008 matches audit.
301481356	Number of Borrowers	1	2	Note reflects 2 borrowers
301481356	DTI	42.98	42.99	1008 DTI 42.98%; Audit monthly debt figures are based on the most recent credit report in the loan file
301593131	Number of Borrowers	1	1	Note reflects 2 borrowers
301593131	DTI	42.755	44.58	1008 DTI 44.37%; Audit monthly debt figures are based on the most recent credit report in the loan file
301530963	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301530963	Appraised Value	Per Tape	Per Data	Value Pulled From Appraisal In File
301530963	DTI	39.46	39.31	1008 DTI 39.32%; Audit monthly debt figures are based on the most recent credit report in the loan file
301548317	Original Payment	Per Tape	Per Data	Audit Value is Orig. Payment from Note
301548317	Number of Borrowers	1	3	Note reflects 3 borrowers
301548317	DTI	36.97	42.7	1008 DTI 42.70%; Audit monthly debt figures are based on the most recent credit report in the loan file

EX-99.13

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.13

Seller Name

Customer Loan ID

Exception ID

Exception ID Date

Exception Category

Exception Subcategory

Exception Description

Exception Comments

Seller Response

Reviewer Response

Compensating Factors

Exception Status

Cleared Date

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

XXXX

300158466

3257

5/13/2016

Compliance

Acknowledgement by all parties with a vested interest not documented

The final Closing Disclosure is missing the names of all parties with vested interest. Rescindable transactions require that all parties with vested interest in the property receive a copy of the Closing Disclosure.

05/31/2016: All vested parties are on the CD

05/31/2016: Audit re-analyzed final CD, and has determined that both parties with vested interest are present on the CD. Condition cleared.

Years in Field Borrower has 16 years in Field Reserves are higher than guideline minimum UW Guides require 6 months reserves, loan qualified with 11 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 18.98%

Cleared

5/31/2016

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

300158466

2827

5/13/2016

Compliance

ECOA Non-Compliant: Appraisal disclosure not provided.

The loan file is missing the Loan Estimate and the “Other Considerations” section of the LE.  Additional conditions may apply.

06/02/2016: Please see attached initial LE. 05/31/2016: See attached.

06/02/2016: Audit reviewed initial LE dated XX/XX/XXXX, and has determined that the documentation submitted is deemed acceptable. Condition cleared.  05/31/2016:  Acknowledged.  Loan will be rated a B for all agencies. 05/31/2016: Audit reviewed LE dated XX/XX/XXXX, however missing LE dated within 3 days of Application date of XX/XX/XXXX. Condition remains. 05/23/2016: Received LE dated XX/XX/XXXX.  Application date is XX/XX/XXXX.  Missing LE dated within 3 days of XX/XX/XXXX.  Condition remains.

Years in Field Borrower has 16 years in Field Reserves are higher than guideline minimum UW Guides require 6 months reserves, loan qualified with 11 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 18.98%

Cleared

5/31/2016

2

1

B

A

B

A

B

A

B

A

B

A

XXXX

300158466

1

5/16/2016

Compliance

General Compliance Exception

The file contains a letter to the borrower dated XX/XX/XXXX for a post close correction. A revised CD for this correction was not located in the file. Please provide the corrected CD and evidence of receipt by the borrower. Additional conditions may apply.

06/03/2016: For clarification there is no CD issues with a date of XX/XX/XXXX. The CD correspnding to the change letter is dated XX/XX/XXXX in error. When this updated CD was issued, this triggered an additional issue whereby the issue date was not updated accordingly. Ultimately, subsequent to this CD, additional CDs were issued (with the correct issue date) correcting this and other errors.05/31/2016: Per lender when the updated CD was issued, this triggered an additional exception whereby the issue date was not update accordingly. Hence, the date on the Change of Circumstance letter does not appear to be linked to this CD. Ultimately, subsequent to this CD, additional CDs were issued (with the correct issue date) correcting other errors. These subsequent CDs (including the final CD), with issue date correct, trumps the issue date error on this CD in question.

06/03/2016: Audit reviewed the lender rebuttal, and has determined that the explanation with regards to the COC for CD dated XX/XX/XXXX is deemed acceptable. Condition cleared. 05/31/2016: Audit reviewed lender rebuttal, and has determined that clarification for the XX/XX/XXXX correction is required or the corrected CD for the XX/XX/XXXX letter. Condition remains.

Years in Field Borrower has 16 years in Field Reserves are higher than guideline minimum UW Guides require 6 months reserves, loan qualified with 11 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 18.98%

Cleared

6/3/2016

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

300158466

3181

5/13/2016

Compliance

Incorrect disclosure of Services Borrower DID NOT SHOP Fee - Section B

The Lender's refund to cure zero tolerance for appraisal fee is listed in the wrong section B, it should be listed in Section J.

06/03/2016: Can this be graded a non-material "B" issue?

06/03/2016: Audit reviewed Lender Rebuttal, and has determined that incorrect placement of fees is non-material. Loan will be rated a B.

Years in Field Borrower has 16 years in Field Reserves are higher than guideline minimum UW Guides require 6 months reserves, loan qualified with 11 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 18.98%

Acknowledged

6/3/2016

3

2

D

B

D

B

D

B

D

B

D

B

XXXX

300158466

3254

5/13/2016

Compliance

Information required for CD 'Contact Information' section not completed, or completed in error

The final Closing Disclosure Contact Information section is incomplete.  The NMLS/ License Number, and Email address of the Settlement Agent is missing.

06/03/2016: The correct NMLS info was provided on the XX/XX/XXXX consummation CD.

06/03/2016: Audit review of missing LE/CD Contact Information, other than Lender or Broker NMLS, is a non-material grade B. Loan will be rated a 'B' for all agencies. Condition cleared.

Years in Field Borrower has 16 years in Field Reserves are higher than guideline minimum UW Guides require 6 months reserves, loan qualified with 11 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 18.98%

Acknowledged

6/3/2016

3

2

D

B

D

B

D

B

D

B

D

B

XXXX

300158466

3228

5/13/2016

Compliance

Missing Loan Estimate / LE Not in File

Loan Estimates are not located in the file along with the corresponding change in circumstances. Additional conditions may apply.

06/07/2016: Please see attached XX/XX/XXXX and XX/XX/XXXX COC letters. XX/XX/XXXX shows the Loan amount change and XX/XX/XXXX shows the product change. 06/06/2016: Please see attached XX/XX/XXXX COC. Changes to Loan amt and Product indicated on page 2.06/03/2016: Initial LE was provided and accepted above. Does this condition still apply  06/02/2016: See attached.

06/07/2016: Audit reviewed COC submitted, and has determined that documentation submitted is deemed acceptable. Condition cleared.06/06/2016: Audit reviewed COC submitted, and has determined that no boxes (page 1) were marked to correspond with a change of circumstance for product/terms. Condition remains. 06/03/2016: Audit reviewed Lender Rebuttal, and has determined that a corresponding change in circumstances is required for the the product/loan amount change is required for LE dated XX/XX/XXXX. Condition remains for COC. 06/02/2016: Audit reviewed initial LE dated XX/XX/XXXX, and has determined that a corresponding change in circumstances for the product/loan amount change is required for LE dated XX/XX/XXXX. Condition remains for COC.

Years in Field Borrower has 16 years in Field Reserves are higher than guideline minimum UW Guides require 6 months reserves, loan qualified with 11 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 18.98%

Cleared

6/7/2016

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

300158466

2672

5/13/2016

Credit

Final 1003 is incomplete

The final 1003 is missing contact information for the Borrower's employer.

06/03/2016: Can this be graded a non-material "B" issue?

06/03/2016: Audit reviewed Lender Rebuttal, and has determined that a VOE was provided within the loan file verifying employment. Condition rescinded.

Years in Field Borrower has 16 years in Field Reserves are higher than guideline minimum UW Guides require 6 months reserves, loan qualified with 11 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 18.98%

Rescind

6/3/2016

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

300158466

2

5/13/2016

Credit

LTV exceeds guidelines

80.00% LTV > 75.00% maximum per guidelines for loan with FICO scores below 720.

05/31/2016: XXXX made LTV exception to 80% due to compensating factors.

08/02/2019: Audit acknowledges the client approved guideline exception for LTV outside of Client guidelines. Loan will be rated a B. 06/02/2016: Exception declined by client.    05/31/2016: Exception is pending review from client.

Years in Field Borrower has 16 years in Field Reserves are higher than guideline minimum UW Guides require 6 months reserves, loan qualified with 11 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 18.98%

Acknowledged

8/2/2019

3

2

C

B

C

B

C

B

C

B

C

B

XXXX

300158466

914

5/13/2016

Credit

Missing income documentation

Loan file is missing signed page 2 of XXXX & XXXX tax returns.

05/25/2016: Borrower is not self-employed. Tax returns are not required for income documentation.

05/25/2016: Audit reviewed lender rebuttal, and re-analyzed the loan file, and has determined that the XXXX/XXXX Tax transcript obtained directly from the IRS (prior to Note date) can be used in lieu of signed tax returns and are acceptable for the loan to be classified as a Qualified Mortgage. Condition cleared.

Years in Field Borrower has 16 years in Field Reserves are higher than guideline minimum UW Guides require 6 months reserves, loan qualified with 11 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 18.98%

Cleared

5/25/2016

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

300158466

76

5/13/2016

Property

570 - Review Appraisal Missing

A CDA report was not provided in file.

05/17/2016: CDA

05/17/2016:  A CDA report reflecting a value $XXX,XXX.XX which is a 0.00% variance was provided. Variance within acceptable tolerance. Condition Cleared.

Years in Field Borrower has 16 years in Field Reserves are higher than guideline minimum UW Guides require 6 months reserves, loan qualified with 11 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 18.98%

Cleared

5/17/2016

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301407609

3227

12/16/2019

Compliance

Missing Closing Disclosure / CD Not in File

The initial CD is missing from the loan file.   No Cure.

12-17-19 XX Please see attachment

12/18/2019:  Lender provided the Initial CD dated XX/XX/XXXX, condition cleared.

FICO is higher than guideline minimum UW Guides require FICO of 680, loan qualified with FICO of 788 Disposable Income is higher than guideline minimum UW Guides required no disposable income, loan qualified with $XX,XXX.XX in disposable income   Years in Field Borrwoer in same field 18 years

Cleared

12/18/2019

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301407609

2792

12/16/2019

Credit

Missing Tax Transcripts

Tax Transcript not provided as required by DU.

12-19-19 XX Please rescind condition because tax transcript were never ordered on this file.

12/20/2019: Audit re-analyzed AUS #23 and has determined that tax transcripts were not ordered per AUS.  Condition rescinded.

FICO is higher than guideline minimum UW Guides require FICO of 680, loan qualified with FICO of 788 Disposable Income is higher than guideline minimum UW Guides required no disposable income, loan qualified with $XX,XXX.XX in disposable income   Years in Field Borrwoer in same field 18 years

Rescind

12/20/2019

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301442180

10

1/3/2020

Compliance

HOEPA Loan - not compliant

HOEPA Points and Fees exceed threshold.  $XX,XXX.XX > $XX,XXX.XX, the maximum Points and Fees permitted under HOEPA, by $X,XXX.XX. It appears the loan fails due to the Lender omitting Discount Points from the calculation. Missing HOEPA Disclosure signed by all parties with an ownership interest in the property. Missing "Notice: This is a mortgage subject to special rules under the Federal Truth in Lending Act. Purchasers or assignees of this mortgage could be liable for all claims and defenses with respect to the mortgage that the borrower could assert against the creditor."

1/20/2020:  please see attached to clear the condition

01/22/2020:  Lender provided evidence seller credit of $XXXX was applied to discount points.  HOEPA threshold $XX,XXX.XX vs. actual $XX,XXX.XX a difference of $X,XXX.XX.  Passes compliance testing.  Condition cleared.

Cleared

1/22/2020

3

1

C

A

C

A

D

A

C

A

C

A

XXXX

301442180

2852

1/3/2020

Compliance

Points and Fees exceed Qualified Mortgage threshold

QM Points and Fees exceed threshold.  $XX,XXX.XX > $XX,XXX.XX, the maximum Points and Fees permitted under QM, by $XX,XXX.XX.

02/11/2020: Please see QM test associated with this file with correct Par rate 02/04/2020: Please clear, we are unable to update QM.1/20/2020:  please see attached to clear the condition

02/12/2020: Audit reviewed evidence for Bona Fide Points & Fees, and has determined that the documentation (Price Sheet, Price adjusters and Broker Paid Comp evidence) submitted to verify Par Rate and Bona Fide Discount points are deemed acceptable. Loan passes Points and Fees test. Condition cleared.02/11/2020: Escalated to Management for further review, pending. 02/04/2020: Audit reviewed the Lender Rebuttal, and has determined that loan fails QM points and Fees threshold. Provide copy of Post-Closing CD, copy of check for cure, Notification of the error (i.e., the letter to borrower) and Evidence of shipment. Condition remains.01/22/2020:  Lender provided evidence seller credit of $X,XXX.XX was applied to discount points.  Threshold $XX,XXX.XX vs. actual $XX,XXX.XX a difference of $X,XXX.XX.  Included fees:  origination $XX,XXX.XX+ appraisal $XXX.XX + underwriting $XXX.XX + points $XX,XXX.XX = $XX,XXX.XX.  Loan does not pass the benefit threshold test.  The rate decrease should be .15% per 1 DP charged.  The borrower didn’t get enough of a rate reduction for the 1.83 points paid. Reduction is .120797477%.  Condition remains.

Cleared

2/12/2020

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301442180

17

1/3/2020

Compliance

State High Cost Loan not compliant

Points and fees exceed state threshold.  $XX,XXX.XX > $XX,XXX.XX, the maximum Points and fees permitted, by the State of XXXXX.

1/20/2020:  please see attached to clear the condition

01/22/2020:  Lender provided evidence seller credit of $X,XXX.XX was applied to discount points.  State points & fees threshold.  $XX,XXX.XX vs. actual $XX,XXX.XX a difference of $X,XXX.XX.  Passes compliance testing.  Condition cleared.

Cleared

1/22/2020

3

1

C

A

C

A

D

A

C

A

C

A

XXXX

301443900

701

12/20/2019

Credit

Failure to obtain Employment Verification

An employment verification within 30 days of note date as required per Appendix Q  for loan to be deemed a Qualified Mortgage was not provided for   both borrowers'.

12/27/2019: Audit reviewed Lender response, Lender provided the VOB documentation and name and title of lender's employee who obtain the VOB.  Condition cleared.

CLTV is lower than guideline maximum UW Guides maximum CLTV of 90%, loan qualified with CLTV of 70.67% DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 33.83% Years in Field Borrower has 30 years in Field

Cleared

12/27/2019

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301443900

992

12/20/2019

Credit

Invalid AUS

The Lender's Guidelines/Agency Guidelines require loan data to be resubmitted to DU if the data changes from the time the AUS was last run. The most recent AUS in file is missing Sections 5,6 and 7.

12/27/2019: Audit reviewed Lender response, Lender provided full AUS.  Condition cleared.

CLTV is lower than guideline maximum UW Guides maximum CLTV of 90%, loan qualified with CLTV of 70.67% DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 33.83% Years in Field Borrower has 30 years in Field

Cleared

12/27/2019

3

1

C

A

C

A

C

A

C

A

C

A

XXXX

301443902

1608

12/20/2019

Compliance

Loan Late Charge Parameters Exceeds State Thresholds

5% > 3.33% maximum late fee permitted by the State of XXXXXXX with a loan payment of $X,XXX.XX.  The maximum late fee permitted in XXXXXXX is $XXX.XX - resulting in a 3.33% maximum late charge threshold for this loan.

1/13 XXX See the attached late fee addendum page 603. the late fee does not exceed $XXX.XX or %5. Please rescind.

01/14/2020:  Audit reviewed the Lender response and located the Late Fee Addendum to the Promissory Note on page 603 within the loan file.  The late fee amount does not exceed $XXX.XX; no violation. Condition rescinded.

CLTV is lower than guideline maximum UW Guides maximum CLTV of 90%, loan qualified with CLTV of 85% DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 24.05% Reserves are higher than guideline minimum UW Guides require 18 months reserves, loan qualified with 31.60 months reserves

Rescind

1/14/2020

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301443902

1641

12/20/2019

Credit

Failure to Verify Employment

An employment verification dated within 30 days of note date as required per Appendix Q  for loan to be deemed a Qualified Mortgage was not provided for  borrower.

12/24 XX: Borrower is self employed. See attached verification info

12/30/2019:  Audit reviewed evidence for VOB document source and has determined that Lender provided internal screen shot verifying date business was verified by underwriter. Condition cleared.

CLTV is lower than guideline maximum UW Guides maximum CLTV of 90%, loan qualified with CLTV of 85% DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 24.05% Reserves are higher than guideline minimum UW Guides require 18 months reserves, loan qualified with 31.60 months reserves

Cleared

12/30/2019

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301518327

48

1/27/2020

Compliance

Missing Affiliated Business Disclosure

Missing Affiliated Business Disclosure.

1/28 XX please see attached, please clear1/28 XX please see attached affiliated business arrangement disclosure statement which was included in original upload please rescind

01/29/2020:  Audit review of attestation statement regarding no Affiliated Businesses is deemed acceptable, condition cleared. 01/28/2020:  Audit reviewed the Lender response and determined the Lender provided the Broker's Affiliated Business Disclosure.  The file is missing the Affiliated Business Disclosure for the Lender.  Condition Remains.01/27/2020:  Finding deemed non-material, loan will be graded a B for all agencies

Cleared

1/27/2020

2

1

B

A

B

A

B

A

B

A

B

A

XXXX

301593131

3181

2/7/2020

Compliance

Incorrect disclosure of Services Borrower DID NOT SHOP Fee - Section B

The Flood Certification in section B of the final Closing Disclosure is missing the name of the service provider. Provide corrected CD and letter of explanation to the Borrower.

02/07/2020:  Non-material per SFIG guidance, loan will be graded a B for all agencies.

Acknowledged

2/7/2020

3

2

D

B

D

B

D

B

D

B

D

B

XXXX

301593131

48

2/7/2020

Compliance

Missing Affiliated Business Disclosure

Missing Affiliated Business Disclosure.

2/11 XXX Please see attached

02/12/2020:  Audit review of attestation statement regarding no Affiliated Businesses is deemed acceptable, condition cleared. 02/07/2020:  Non-material loan will be graded a B for all agencies.

Cleared

2/7/2020

2

1

B

A

B

A

B

A

B

A

B

A

XXXX

301499937

701

1/24/2020

Credit

Failure to obtain Employment Verification

The lender must obtain a verbal verification to confirm borrowers employment within 30  calendar days prior to the note date • The lender must document conversation with the following; Name and title of the person who confirmed the employment for the lender, name and title of person who completed the verification for the employer, the date of the call, and the source of the phone number. The item required in the second bullet point was not provided.  Missing the title of the lender's employee who documented verbal verification of employment for both the borrowers.

01/28/2020: Attached

01/28/2020: Audit reviewed evidence for VOE document source, and has determined that Lender provided internal screen shot verifying date employment was verified by underwriter. Condition cleared.

Reserves are higher than guideline minimum UW Guides require 0 months reserves, loan qualified with 2.30 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 41.03% FICO is higher than guideline minimum UW Guides require FICO of 680, loan qualified with FICO of 708

Cleared

1/28/2020

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301459891

2792

1/1/2020

Credit

Missing Tax Transcripts

Tax Transcripts not provided as required by DU.

please see attached

01/21/2020:  Audit re-analyzed AUS (#18), and has determined that tax transcripts were not ordered per AUS.  Condition rescinded.

Years in Field Borrower has 17 years in Field   DTI is lower than guideline maximum UW Guides maximum DTI of 43.00%, loan qualified with DTI of 32.87% Disposable Income is higher than guideline minimum UW Guides require $2,500 in disposable income, loan qualified with $XX,XXX.XX in disposable income

Rescind

1/21/2020

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301482982

3227

2/4/2020

Compliance

Missing Closing Disclosure / CD Not in File

The Initial CD e-signed & dated XX/XX/XXXX per Disclosure History is missing from the loan file.   No Cure - Missing document not provided.

02/10/2020: please see attached

02/11/2020: Lender provided Initial CD. Condition cleared.

Cleared

2/11/2020

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301500084

1643

1/24/2020

Credit

Failure to Verify Housing History

AUS item #12 requires satisfactory housing payment history for 12 months for property #2 on the final loan application.  Payment history not provided on credit report.  VOM required to verify.

01/28/2020: Attached AUS 01/28/2020: Please rescind. The note in the file for this property shows that our borrower is not obligated on this mortgage

01/28/2020: Audit reviewed updated AUS, and has determined that the documentation submitted is deemed acceptable. Condition cleared. 01/28/2020: Audit reviewed the Lender Rebuttal, and has determined that regardless if needed or not, when the AUS reflects (item #12) a payment history stipulation then it is required. Provide payment history or updated AUS. Condition remains.

Reserves are higher than guideline minimum UW Guides require 0 months reserves, loan qualified with 20 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 19.82% FICO is higher than guideline minimum UW Guides require FICO of 680, loan qualified with FICO of 784

Cleared

1/28/2020

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301500084

2789

1/24/2020

Credit

Missing Executed Business Returns

Per Appendix Q, Self-employed consumers must provide the following information:  signed, dated individual tax returns, with all applicable tax schedules for the most recent two years;  for a corporation, “S” corporation, or partnership, signed copies of Federal business income tax returns for the last two years, with all applicable tax schedules.  XXXX Signed business returns for Business A on Schedule E Part II of XXXX tax return not provided.  Only XXXX signed business returns provided in the loan file.

01/28/2020: Please rescind. See page 438 and 442

01/28/2020: Audit re-analyzed the loan file, and has determined that the executed page of XXXX 1120S for Business A on Schedule E Part II was located on page 438 of the original loan file. Condition rescinded.

Reserves are higher than guideline minimum UW Guides require 0 months reserves, loan qualified with 20 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 19.82% FICO is higher than guideline minimum UW Guides require FICO of 680, loan qualified with FICO of 784

Rescind

1/28/2020

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301491351

701

1/10/2020

Credit

Failure to obtain Employment Verification

The lender must obtain a verbal verification to confirm borrowers employment within 30  calendar days prior to the note date • The lender must document conversation with the following; Name and title of the person who confirmed the employment for the lender, name and title of person who completed the verification for the employer, the date of the call, and the source of the phone number. The item required in the second bullet point was not provided.  Missing the title of the lender's employee who documented verbal verification of employment for the co-borrower.

1/14 XX: Attached

01/15/2020:  Audit reviewed the Lender response, Lender provided the source of the 3rd party information obtained and the name and title of the Lender's employee who obtained the information for the Co-Borrower.  Condition cleared.

DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 40.97% FICO is higher than guideline minimum UW Guides require FICO of 700, loan qualified with FICO of 736 Years Self Employed Borrower has 12 years Self Employed

Cleared

1/15/2020

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301533273

23

1/31/2020

Credit

Failure to obtain Credit Report

The most recent credit report was not provided. AUS item #27 credit report dated XX/XX/XXXX was not provided in the loan file.

2/3 XX: Attached

02/04/2020:  Audit review of credit report dated 01/13/2020 provided by the Lender deemed acceptable, condition cleared.

Reserves are higher than guideline minimum UW Guides require 0 months reserves, loan qualified with 9.60 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 36.49% CLTV is lower than guideline maximum UW Guides maximum CLTV of 90%, loan qualified with CLTV of 85%

Cleared

2/4/2020

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301533274

76

2/6/2020

Property

570 - Review Appraisal Missing

Missing a CDA report.

02/11/2020: A CDA report reflecting a value $XXX,XXX.XX, which is a 0.0% variance, was provided.  Variance within acceptable tolerance. Condition Cleared.

Years in Field Borrower has 23 years in the same field No Mortgage Lates UW Guides require 0 x 30 days late in the most recent 12 months; credit report  verifies 99 months payment history with no late payments reported FICO is higher than guideline minimum UW Guides require FICO of 700, loan qualified with FICO of 727

Cleared

2/11/2020

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301550714

3269

2/11/2020

Compliance

Lender Credits on Final Closing Disclosure at closing is inaccurate in relation to previous Initial disclosure(s)

The LE dated XX/XX/XXXX reflects a lender credit in the amount of $X,XXX.XX0. The lender credit decreased to $XXX.XX on the CD dated XX/XX/XXXX with no indication of a valid COC to account for the $X,XXX.XX decrease in the credit.  No Cure

02-13-2020 XX On XX/XX the borrower requested to increase their loan amount (COC XX/XX included in the file, pages 385 - 387) which affected the pricing. Please review the COC request and the redisclosed CD to the borrower XX/XX included in the file (pages 921 - 930). Please rescind this condition . Thank you,

02/14/2020:  Audit reviewed Lender's rebuttal and original loan file.  Change in circumstance, dated X/XX, for decrease in credit to $XXX.XX provided on page 712.  Corresponding CD, dated XX/XX, reflecting credit of $XXX.XX provided on page 921.  Condition rescinded.

Years Self Employed Borrower has 5.08 years Self Employed CLTV is lower than guideline maximum UW Guides maximum CLTV of 80%, loan qualified with CLTV of 52.14% Reserves are higher than guideline minimum UW Guides require 0 months reserves, loan qualified with 6.00 months reserves

Rescind

2/14/2020

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301573149

3269

2/2/2020

Compliance

Lender Credits on Final Closing Disclosure at closing is inaccurate in relation to previous Initial disclosure(s)

The LE dated XX/XX/XXXX reflects a lender credit in the amount of $XX,XXX.XX The lender credit decreased to $XX,XXX.XX on the CD dated XX/XX/XXXX with no indication of a valid COC to account for the $XXX.XX decrease in the credit.  Provide re-disclosed CD and letter of explanation.

2/18 XX We agree, we will refund borrower, please see attached revised cd/lox/check/tracking thank you

02/19/2020:  Lender provided a Post Close CD correcting the amount of Lender Credit, Letter of Explanation to the Borrower, Check in the amount of $XXX.XX to cure and proof of delivery.   Post Close CD, Non-material per SFIG guidance, loan will be graded a B for all agencies.

Reserves are higher than guideline minimum UW Guides require 6  months reserves, loan qualified with  22.60 months reserves CLTV is lower than guideline maximum UW Guides maximum CLTV of 80%, loan qualified with CLTV of 75% No Mortgage Lates UW Guides require 0 x 30 days late in the most recent 24 months; credit report verifies 48 months’ payment history with no late payments reported

Acknowledged

2/19/2020

3

2

D

B

D

B

D

B

D

B

D

B

XXXX

301573149

4

2/3/2020

Credit

DTI Exceeds Guidelines

The AUS reflects a maximum allowable DTI of 48.01%.  Due to the improper calculation of income for the borrower, the actual DTI is 51.62%.  The lender did not include the Schedule C income loss for the borrower as reflected on the XXXX tax return.  Additional conditions may apply.

2/4 XX: Please rescind and see attached guidelines. XXXX states we do not have to hit for self employment losses when self employment income is not being used to qualify

02/05/2020: Audit reviewed Lenders response. Condition rescinded.

Reserves are higher than guideline minimum UW Guides require 6  months reserves, loan qualified with  22.60 months reserves CLTV is lower than guideline maximum UW Guides maximum CLTV of 80%, loan qualified with CLTV of 75% No Mortgage Lates UW Guides require 0 x 30 days late in the most recent 24 months; credit report verifies 48 months’ payment history with no late payments reported

Rescind

2/5/2020

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301573149

23

2/2/2020

Credit

Failure to obtain Credit Report

The most recent credit report dated XX/XX/XXXX for the borrower as reflected on the AUS was not provided.  Additional conditions may apply.

2/4 XX: Attached

02/05/2020: Lender provided borrowers credit report from AUS. Condition cleared.

Reserves are higher than guideline minimum UW Guides require 6  months reserves, loan qualified with  22.60 months reserves CLTV is lower than guideline maximum UW Guides maximum CLTV of 80%, loan qualified with CLTV of 75% No Mortgage Lates UW Guides require 0 x 30 days late in the most recent 24 months; credit report verifies 48 months’ payment history with no late payments reported

Cleared

2/5/2020

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301573149

992

2/3/2020

Credit

Invalid AUS

The Agency Guidelines require loan data to be resubmitted to Desktop Underwriter if the data changes from the time the AUS was last fun.  The most recent AUS in file reflects a DTI of 48.01%.  The lender did not include the Schedule C income loss for the borrower as reflected on the XXXX tax return.  As a result, the calculated DTI is 51.62%.

2/4 CP: Please rescind and see attached guidelines. XXXX states we do not have to hit for self employment losses when self employment income is not being used to qualify

02/05/2020: Audit reviewed Lenders response. Condition rescinded.

Reserves are higher than guideline minimum UW Guides require 6  months reserves, loan qualified with  22.60 months reserves CLTV is lower than guideline maximum UW Guides maximum CLTV of 80%, loan qualified with CLTV of 75% No Mortgage Lates UW Guides require 0 x 30 days late in the most recent 24 months; credit report verifies 48 months’ payment history with no late payments reported

Rescind

2/5/2020

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301573149

724

2/3/2020

Credit

Missing Documentation

A LOE for the lender removing the borrower's primary income is missing from the loan file.  The initial 1003 reflected the borrower was self-employed with a net income loss, however; the final 1003 does not list any employment other than rental income for the borrower.  The XXXX tax return reflects Schedule C income in the name of borrower.  Additional conditions may apply.

2/4 XX: Please rescind. We underwrote the file to best qualify the borrower. Since XXXX does not require losses to be accounted for, we removed the income

02/05/2020: Audit reviewed Lenders response. Condition rescinded.

Reserves are higher than guideline minimum UW Guides require 6  months reserves, loan qualified with  22.60 months reserves CLTV is lower than guideline maximum UW Guides maximum CLTV of 80%, loan qualified with CLTV of 75% No Mortgage Lates UW Guides require 0 x 30 days late in the most recent 24 months; credit report verifies 48 months’ payment history with no late payments reported

Rescind

2/5/2020

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301083791

1646

2/26/2019

Credit

Failure to Verify Sale of Previous Property

File is missing the final Settlement Statement or Closing Disclosure verifying the departing residence on the final application was paid off and Borrower netted sufficient cash to close and/or reserves.  Settlement Statement provided in loan file was not executed.

03/03/2019: Please rescind this. The home was sold and closed prior to our loan going to close. The bank statements showed the funds wired from the title company to the borrower on XX/XX which matches the date of disbursement on the CD in file. Also, XXXX guides also do not say it must be signed. In this case, the full transfer of funds and closed before ours.

03/03/2019: Audit re-analyzed the loan file, and has determined that the ALTA Settlement Statement for departure residence was located on page 93, Bank Statement with the deposit verified on page 324 and letter for that large deposit on page 110. Sufficient evidence was provided to verify property was sold and mortgage paid with proceeds deposited into borrower's bank account for closing on subject property. Condition rescinded.

DTI is lower than guideline maximum UW Guides maximum DTI of 43.%, loan qualified with DTI of 35.58% Years in Field Borrower has 16 years in Field   Full Documentation The loan is full documentation

Rescind

3/3/2019

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301083791

1684

2/26/2019

Credit

Missing Third Party Fraud Tool (Report)

The file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search.  Additional conditions may apply.

03/03/2019: please rescind condition as this was included in the loan file

03/03/2019: Audit re-analyzed the loan file, and has determined that the Fraud Report was located at page 552 within the original loan file. Document reviewed and all red flags are cleared. Condition rescinded.

DTI is lower than guideline maximum UW Guides maximum DTI of 43.%, loan qualified with DTI of 35.58% Years in Field Borrower has 16 years in Field   Full Documentation The loan is full documentation

Rescind

3/3/2019

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301083791

3254

2/26/2019

Compliance

Information required for CD 'Contact Information' section not completed, or completed in error

The final Closing Disclosure Contact Information section is incomplete.  The License ID of the Settlement Agent is missing.  Provide corrected CD and letter of explanation to the Borrower.

Non-material per SFIG guidance, loan will be graded a B for all agencies.

DTI is lower than guideline maximum UW Guides maximum DTI of 43.%, loan qualified with DTI of 35.58% Years in Field Borrower has 16 years in Field   Full Documentation The loan is full documentation

Acknowledged

2/28/2019

3

2

D

B

D

B

D

B

D

B

D

B

XXXX

301083791

76

2/25/2019

Property

570 - Review Appraisal Missing

A CDA report was not provided in the loan file.  CU Risk Score is 3.5.

02/28/2019: A CDA report reflecting a value $XXX,XXX.XX, which is a 0.0% variance, was provided. Variance within acceptable tolerance. Condition Cleared.

DTI is lower than guideline maximum UW Guides maximum DTI of 43.%, loan qualified with DTI of 35.58% Years in Field Borrower has 16 years in Field   Full Documentation The loan is full documentation

Cleared

2/28/2019

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301331678

4

10/30/2019

Credit

DTI Exceeds Guidelines

The Guidelines reflects a maximum allowable DTI of 43%.  Due to the improper calculation of debts the actual DTI is 46.85%. Lender did not include the $XXX.XX car payment in ratios noting that it was paid by the business.  The account opened in XX/XXXX, the prior auto payment history for a different car payment paid out of a bank account not tied to borrower or business and does not complete a 12 history of payments by the borrower's business to exclude from ratios per QM/Fannie.

10/31 XX: Please rescind. The XXXXX XXXXX assets ending in #XXXX are tied to the business XXXX XXXXXX XXXXXXXX XXX which the borrowers combine to own 100% of. The printouts from XXXXX XXXXX indicate the account number supporting

11/04/2019: Audit reviewed lenders response and has determined the auto payment with payment of $XXX.XX was paid by business.  Condition rescinded.

CLTV is lower than guideline maximum UW Guides maximum CLTV of 80%, loan qualified with CLTV of 69.70% Years Self Employed Borrower has 5.42 years Self Employed Reserves are higher than guideline minimum  UW Guides required no months reserves, loan qualified with  14.20 months reserves

Rescind

11/4/2019

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301331678

724

10/29/2019

Credit

Missing Documentation

Missing Lender's worksheet for property tax calculations.

10/31 XX: Please rescind. The taxes were calculated at 1.25% of what the property was purchased for. The fraud report verifies it was purchased in XXXX for $XXX,XXX.XX

11/04/2019: Lender provided tax calculation.  Condition cleared.

CLTV is lower than guideline maximum UW Guides maximum CLTV of 80%, loan qualified with CLTV of 69.70% Years Self Employed Borrower has 5.42 years Self Employed Reserves are higher than guideline minimum  UW Guides required no months reserves, loan qualified with  14.20 months reserves

Cleared

11/4/2019

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301331678

3277

10/29/2019

Compliance

Borrower not provided 3 day rescission period

Right to Cancel provided in the loan file reflects a correct closing date with an expiration date consisting of only 2 business days, which did not give the Borrower a full 3 days rescission.  The loan was properly disbursed  TILA 130(b) - within 60 days of discovery. Provide corrected CD, letter of explanation, proof of delivery and re-open rescission, if applicable.

11/11/2019:  The loan is out of the rescission period, rescission expired on XX/XX/XXXX.  Loan will be rated a B for all agencies. 11/06/2019:  Audit reviewed the documentation submitted, and has determined that the Notification of error, reopened rescission, evidence of shipment and corrected RTC was provided.  However, unable to clear condition as loan is currently in the rescission period, rescission expires midnight on XX/XX/XXXX. Loan will be cleared when the rescission period has expired. Condition remains.11/5/2019: RTC form reflected incorrect expiration date however the full 3 days were proved. Finding deemed non-material, loan will be graded a B for all agencies.10/30/2019 Finding deemed non-material, loan will be graded a B for all agencies

CLTV is lower than guideline maximum UW Guides maximum CLTV of 80%, loan qualified with CLTV of 69.70% Years Self Employed Borrower has 5.42 years Self Employed Reserves are higher than guideline minimum  UW Guides required no months reserves, loan qualified with  14.20 months reserves

Acknowledged

11/11/2019

3

2

D

B

D

B

D

B

D

B

D

B

XXXX

301353597

795

11/8/2019

Credit

Failure to obtain Verbal Verification of Employment

Guidelines require a VVOE within 10 business days prior to the note date. The VVOE is greater than 10 days prior to note date.

11/12 XX: Please see attached. XXX has a variance that allows these to be within 30 days

11/13/2019: XXXX approved DU feedback variance. VVOE required within 30 days of Note. Condition Rescinded.

Reserves are higher than guideline minimum UW Guides require 0  months reserves, loan qualified with  7.10 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 35.92% FICO is higher than guideline minimum UW Guides require FICO of 700, loan qualified with FICO of 776

Rescind

11/13/2019

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301353597

1684

11/8/2019

Credit

Missing Third Party Fraud Tool (Report)

The file is missing a third party fraud report. Please provide an industry standard fraud tool along with any supporting document based on fraud report findings.  Please provide Fraud Report with OFAC search. Additional conditions may apply.

11/12/2019:   Lender provided a copy of the third-party fraud report in the original loan file. No outstanding issues noted. Condition rescinded.

Reserves are higher than guideline minimum UW Guides require 0  months reserves, loan qualified with  7.10 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 35.92% FICO is higher than guideline minimum UW Guides require FICO of 700, loan qualified with FICO of 776

Rescind

11/12/209

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301353597

2036

11/8/2019

Compliance

Failure to provide proof of OFAC Search

The OFAC search was not provided.

11/11 XXX XXXXXXXXXX was provided in original package. Please rescind.

11/12/2019:   Lender provided a copy of the third-party fraud report with OFAC search in the original loan file. No outstanding issues noted. Condition rescinded.

Reserves are higher than guideline minimum UW Guides require 0  months reserves, loan qualified with  7.10 months reserves DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 35.92% FICO is higher than guideline minimum UW Guides require FICO of 700, loan qualified with FICO of 776

Rescind

11/12/2019

1

1

A

A

A

A

A

A

A

A

A

A

XXXX

301361848

2788

10/18/2019

Credit

Missing Executed Personal Tax Returns

Per Lender guidelines, Self-employed consumers must provide the following information:  signed, dated individual tax returns, with all applicable tax schedules for the most recent two years.  Signed returns not provided.

11/01/2019: See attached XXXX signed page10/23/2019: Please see transcripts which can be used in lieu of signed returns

11/01/2019: Audit reviewed XXXX executed page of the 1040 Tax Returns, and has determined that the documentation was obtained PRIOR to/at consummation. Documentation submitted is deemed acceptable. Condition cleared.10/23/2019: Audit reviewed XXXX Tax Transcripts, and has determined that tax transcript obtained directly from the IRS (prior to Note date) were used in lieu of signed tax returns and are acceptable. HOWEVER, business has been in existence for less than five years, therefore the XXXX 1040 returns must be executed or tax transcripts provided prior to/at consummation date. Condition remains.

DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 24.74% Years in Field Borrower has 10 years in the field. FICO is higher than guideline minimum UW Guides require FICO of 680, loan qualified with FICO of 734

Cleared

11/1/2019

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301361848

2789

10/18/2019

Credit

Missing Executed Business Returns

Per Lender guidelines, Self-employed consumers must provide the following information:  signed, dated individual tax returns, with all applicable tax schedules for the most recent two years;  for a corporation, “S” corporation, or partnership, signed copies of Federal business income tax returns for the last two years, with all applicable tax schedules.  Signed business returns not provided.

10/23/2019: Attached

10/23/2019: Audit reviewed XXXX/XXXX executed 1120 Returns, and has determined that the documentation was obtained PRIOR to/at consummation. Documentation submitted is deemed acceptable. Condition cleared.

DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 24.74% Years in Field Borrower has 10 years in the field. FICO is higher than guideline minimum UW Guides require FICO of 680, loan qualified with FICO of 734

Cleared

10/23/2019

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301361848

3181

10/18/2019

Compliance

Incorrect disclosure of Services Borrower DID NOT SHOP Fee - Section B

The Title – Abstract or Title Search, Title – Courier / Wire / Email Fee, Title – Endorsement Fee and Title – Premium for Lender’s Coverage are reflected in section B of the final Closing Disclosure. The borrower shopped for their own Title – Abstract or Title Search, Title – Courier / Wire / Email Fee, Title – Endorsement Fee and Title – Premium for Lender’s Coverage and did not use the provider on the WLSP. The Title – Abstract or Title Search, Title – Courier / Wire / Email Fee, Title – Endorsement Fee and Title – Premium for Lender’s Coverage should be listed in section C of the CD.  Provide corrected CD and letter of explanation to the Borrower.

10/18/2019: Non-material per SFIG guidance, loan will be graded a B for all agencies.

DTI is lower than guideline maximum UW Guides maximum DTI of 43%, loan qualified with DTI of 24.74% Years in Field Borrower has 10 years in the field. FICO is higher than guideline minimum UW Guides require FICO of 680, loan qualified with FICO of 734

Acknowledged

10/18/2019

3

2

D

B

D

B

D

B

D

B

D

B

XXXX

301368654

76

11/18/2019

Property

570 - Review Appraisal Missing

A CDA report was not provided. CU = 4.0, CDA required

12/02/2019: A CDA report reflecting a value $XXX,XXX.XX, which is a 0.0% variance, was provided.  Variance within acceptable tolerance. Condition Cleared.11/25/2019: The AVM report value of $XXX,XXX.XX to appraisal value of $XXX,XXX.XXhas variance which is less than maximum tolerance variance threshold of 10%. Confidence factor is within guidelines.  However, city name does not match note.  Condition remains.

Cleared

12/2/2019

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

301599877

76

2/21/2020

Property

570 - Review Appraisal Missing

CDA Report not provided in file.  CU Risk Score is 3.7

02/27/2020: A CDA report reflecting a value $XXX,XXX.XX0, which is a 0.0% variance, was provided.  Variance within acceptable tolerance. Condition Cleared.

Cleared

2/27/2020

3

1

D

A

D

A

D

A

D

A

D

A

XXXX

800457125

48

2/24/2020

Compliance

Missing Affiliated Business Disclosure

Missing Affiliated Business Disclosure for the Lender and the Broker

02/24/2020: This finding is deemed non-material with a final grade of a “B”

Acknowledged

2/24/2020

2

2

B

B

B

B

B

B

B

B

B

B

EX-99.14

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.14

Customer Loan ID

Initial Loan Grade

Final Loan Grade

Initial DBRS Loan Grade

Final DBRS Loan Grade

Initial DBRS Credit Loan Grade

Final DBRS Credit Loan Grade

Initial DBRS Compliance Loan Grade

Final DBRS Compliance Loan Grade

Initial DBRS Property Loan Grade

Final DBRS Property Loan Grade

Initial Moody's Loan Grade

Final Moody's Loan Grade

Initial Moody's Credit Loan Grade

Final Moody's Credit Loan Grade

Initial Moody's Compliance Loan Grade

Final Moody's Compliance Loan Grade

Initial Moody's Property Loan Grade

Final Moody's Property Loan Grade

Initial Fitch Loan Grade

Final Fitch Loan Grade

Initial Fitch Credit Loan Grade

Final Fitch Credit Loan Grade

Initial Fitch Compliance Loan Grade

Final Fitch Compliance Loan Grade

Fitch Property Grade Initial

Final Fitch Property Loan Grade

Initial Kroll Loan Grade

Final Kroll Loan Grade

Initial Kroll Credit Loan Grade

Final Kroll Credit Loan Grade

Initial Kroll Compliance Loan Grade

Final Kroll Compliance Loan Grade

Initial Kroll Property Loan Grade

Final Kroll Property Loan Grade

Initial S&P Loan Grade

Final S&P Loan Grade

Initial S&P Credit Loan Grade

Final S&P Credit Loan Grade

Initial S&P Compliance Loan Grade

Final S&P Compliance Loan Grade

Initial S&P Property Loan Grade

Final S&P Property Loan Grade

Originator QM/ATR Status

TPR QM/ATR Status

300158466

3

2

D

B

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

D

B

D

B

D

A

D

B

D

B

D

B

D

A

QM/Non-HPML

301407609

3

1

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

QM/Non-HPML

301442180

3

1

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

QM/Non-HPML

301443900

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

QM/Non-HPML

301443902

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

QM/Non-HPML

301518327

2

1

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

B

A

A

A

QM/Non-HPML

301593131

3

2

D

B

A

A

D

B

A

A

D

B

A

A

D

B

A

A

D

B

A

A

D

B

A

A

D

B

A

A

D

B

A

A

D

B

A

A

D

B

A

A

QM/Agency Safe Harbor

301499937

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

QM/Non-HPML

301459891

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Non-HPML

301482982

3

1

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

D

A

A

A

QM/Non-HPML

301500084

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

QM/Non-HPML

301491351

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

QM/Non-HPML

301533273

3

1

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

QM/Non-HPML

301550714

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Non-HPML

301573149

3

2

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

QM/Agency Safe Harbor

301083791

3

2

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

QM/Non-HPML

301331678

3

2

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

QM/Non-HPML

301353597

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Non-HPML

301361848

3

2

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

D

B

D

A

D

B

A

A

QM/Agency Safe Harbor

301368654

3

1

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

QM/Non-HPML

301599877

3

1

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

QM/Non-HPML

301514414

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Agency Safe Harbor

301481356

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Non-HPML

301478573

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Non-HPML

301481373

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/HPML

301527082

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Non-HPML

301573101

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Agency Safe Harbor

301552265

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Non-HPML

301580836

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Non-HPML

301583661

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Non-HPML

301548317

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Non-HPML

301404706

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/HPML

800457125

2

2

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

B

B

A

A

QM/Non-HPML

301533274

3

1

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

D

A

A

A

A

A

D

A

QM/Non-HPML

301530963

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

QM/Non-HPML

EX-99.15

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.15

LOAN INFORMATION

ORIGINATION VALUES

AVM VALUES

DESK REVIEW VALUES

BPO VALUES

FIELD REVIEW VALUES

2055 VALUES

UPDATED VALUES

MULTIPROPERTY VALUES

JPM Loan ID

Original Loan Amount

Sales Price

Appraised Value

Value for LTV

Appraisal Date

Second Appraisal Value

Variance Amount

Variance Percent

Second Appraisal Date

Second Appraisal Type

Appraised Value

Variance Amount

Variance Percent

Company

Confidence Score

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Risk Score

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Aggregate Appraised Value

Aggregate Variance Amount

Aggregate Variance Percent

Collateral Underwriter Risk Score

300158466

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

0%

$X,XXX.XX

$X,XXX.XX

-14.66%

XX/XX/XXXX

301083791

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

0%

XX/XX/XXXX

3.5

301331678

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2.3

301353597

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

18.40%

88.9

XX/XX/XXXX

5

301361848

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2.1

301368654

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

2.80%

97.4

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

0%

XX/XX/XXXX

4

301404706

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

2.40%

96.2

XX/XX/XXXX

4.2

301407609

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2

301442180

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2.3

301443900

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

3.90%

92.2

XX/XX/XXXX

2.8

301443902

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

-4.54%

92.4

XX/XX/XXXX

3

301518327

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2

301593131

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2.1

301499937

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

-3.13%

92

XX/XX/XXXX

2.1

301599877

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

0%

XX/XX/XXXX

3.7

301459891

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2.2

301530963

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

0%

XX/XX/XXXX

4

301482982

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2.1

301514414

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

1

301481356

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2.3

301500084

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

0.00%

97.5

XX/XX/XXXX

2.4

301478573

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

-2.80%

95.4

XX/XX/XXXX

3.7

301481373

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2.5

301491351

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2

301527082

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2.4

301533273

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

2.54%

96.8

XX/XX/XXXX

3.2

301533274

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

0%

XX/XX/XXXX

4.4

301550714

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

1

800457125

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2.3

301573101

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

2.15%

92.7

XX/XX/XXXX

2.8

301552265

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2.3

301573149

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

0%

XX/XX/XXXX

301580836

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

2

301583661

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

-4.64%

96.2

XX/XX/XXXX

2.6

301548317

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

$X,XXX.XX

XX/XX/XXXX

$X,XXX.XX

$X,XXX.XX

-1.45%

94.4

XX/XX/XXXX

2.8

EX-99.16

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.16

 

EXECUTIVE SUMMARY
Third Party Due Diligence Review

Overview

Digital Risk, LLC (“Digital Risk”), a third party due diligence provider, performed the review described below on behalf of its client, J.P Morgan Mortgage Acquisition Corp. (“Client”). The review included a total of 90 newly originated residential mortgage loans, in connection with the securitization identified as JPMMT 2021-6 (the “Securitization”). The review began on November 30, 2020, and concluded on March 23, 2021.

Scope of Review

Credit Review

Digital Risk performed a “Credit Review” to verify compliance with guidelines in effect at the time of loan origination, or other guidelines provided by Client prior to review, and ensure the characteristics used by the underwriter are supported by the file documentation; and determine whether any loans outside of those guidelines contain legitimate and approved exceptions with compensating factors.

The Credit Review attempted to confirm the following:

a. QM or ATR Validation / Review of 8 Key Underwriting Factors

i. Income / Assets

• Validate borrower(s) monthly gross income

• Validate funds required to close, required reserves

• Review file documentation for required level of income and asset verifications

ii. Employment Status

• Review file documentation for required level of employment

iii. Monthly Mortgage Payment

• Confirm program, qualifying rate, terms

iv. Simultaneous Loans

• Validate all concurrent loans are included in the DTI to properly assess the ability to repay

v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

• Validate subject loan monthly payment (PITI) and associated obligations

vi. Debts / Obligations

• Validate monthly recurring liabilities

vii. DTI and/or Residual Income

• Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

• Documentation meets Appendix Q requirements for QM Loans

viii. Credit History

• Review credit report for credit history and required credit depth including any / all inquiries

• Determine representative credit score from credit report

b. Validate loan-to-value (LTV) and combined loan-to-value

c. Review borrower's occupancy

d. Validation through third party resource of the subject properties most recent twelve (12) month sales history

 

e. Confirm sufficient evidence in loan file, by reviewing the underwriter’s decision to approve the loan based upon the borrows income, debt, and credit history, to support borrower's willingness and ability to repay the debt

f. Confirm that Final 1003 is sufficiently completed

g. Provide Audit 1008 with accurate data based on file documentation

h. Confirm Loan Approval conditions were met

i. Review condominium questionnaire to verify all information is complete, prepared by an authorized representative, and address any red flags that may deem condominium project ineligible

Compliance Review

Digital Risk performed a “Compliance Review” to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

c. Tolerance Testing

i. Compare Loan Estimate and Closing Disclosures

ii. Identify Tolerance Violations and applicable cost to cure

d. Comprehensive review of Closing Disclosure to determine transaction accuracy

e. Recalculation of APR and Finance Charge

f. Testing of:

i. Federal High Cost Mortgage provisions

ii. Federal Higher Priced Mortgage Loans provisions

iii. Local and/or State Anti-predatory and High Cost provisions

iv. HOEPA Points and Fees

g. Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures

i. Service Provider List

ii. Home Ownership Counselling Disclosure

iii. ARM Disclosure

h. Compliance with QM as it relates to:

i. APR Test

ii. Points & Fees Test

iii. Prepayment Penalty Test

iv. Product Eligibility Testing

i. Notice of Right to Cancel (Rescission) Review

i. Confirm transaction date, expiration date, and disbursement date

ii. Confirm document is properly executed by all required parties to the transaction

iii. Confirm the correct Right of Rescission document was executed for the transaction type

 

j. Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents

k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

l. Review closing documents to ensure that the Mortgage Loan information is complete, accurate, and consistent with other documents; Confirm collateral documents have been recorded or sent for recording

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Digital Risk are dependent upon its receiving complete and accurate data regarding the loans from loan originators and other third parties upon which Digital Risk is relying in reaching such findings.

Valuation Review

Digital Risk performed a “Valuation Review,” which included the following:

a. Review original appraisal, determination that property is in "average" condition or better, or property requires cosmetic improvements (as defined by the appraiser) that do not affect habitability. Should an area of concern be identified with the condition of the property, Digital Risk will alert Client.

b. Review appraisal, determination that property is completely constructed and appraisal is on an “as is basis,” or property is identified as not completely constructed by originating appraiser.

c. Review and determine if the appraisal report was performed on appropriate GSE forms and if the appraiser indicated in the body of the subject appraisal that the appraisal conforms to USPAP standards.

d. Review and determine the relevance of the comparable properties and ensure that a rational and reliable value was provided and supported as of the effective date of the Origination Appraisal.

e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

f. Ensure that the appraisal conforms to the guidelines provided from the Client.

g. Review appraisal to ensure all required documents were included.

h. Review location map provided within the appraisal for external obsolescence.

i. Ensure highest and best use and zoning complies with guidelines.

j. Confirm there are no marketability issues that affect the subject property.

k. Ensure subject property does not suffer any functional obsolescence.

l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a review could not be performed.

m. Conforming Loan population – Additional valuation product was not required when the CU score provided was below 2.5. In the event the CU score was equal to or greater than 2.5, an additional valuation product was reviewed to confirm value was supported within 10% tolerance. In some instances, CDA’s were provided in the loan file and reviewed on loans that had an acceptable CU score based on guidance from the seller.

Digital Risk applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product that was also provided by the client.

 

Data Discrepancy Report

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The table below reflects the discrepancies inclusive of the blank data fields:

Fields Reviewed	Number of discrepancies	Percentage
Loan Purpose	2	2.22%
Maturity Date	4	4.44%
Original FICO Score	2	2.22%
Origination/Note Date	1	1.11%
Originator Back-End DTI	17	18.89%
Property Type	2	2.22%

Summary of Results

Overall Loan Results:
Event Grade	Loan Count	Original Principal Balance	Percent of Sample
Event  Grade A	48	$               44,670,418.00	53.33%
Event  Grade B	42	$               40,892,921.00	46.67%
Event  Grade C	0	$                                      -	0.00%
Event  Grade D	0	$                                      -	0.00%
Total Sample	90	$               85,563,339.00	100.00%
Credit Results:
Event Grade	Loan Count	Original Principal Balance	Percent of Sample
Event  Grade A	88	$               83,192,349.00	97.78%
Event  Grade B	2	$                  2,370,990.00	2.22%
Event  Grade C	0	$                                      -	0.00%
Event  Grade D	0	$                                      -	0.00%
Total Sample	90	$               85,563,339.00	100.00%
Compliance Results:
Event Grade	Loan Count	Original Principal Balance	Percent of Sample
Event  Grade A	50	$               47,041,408.00	55.56%
Event  Grade B	40	$               38,521,931.00	44.44%
Event  Grade C	0	$                                      -	0.00%
Event  Grade D	0	$                                      -	0.00%
Total Sample	90	$               85,563,339.00	100.00%
Valuation Results:
Event Grade	Loan Count	Original Principal Balance	Percent of Sample
Event  Grade A	90	$               85,563,339.00	100.00%
Event  Grade B	0	$                                      -	0.00%
Event  Grade C	0	$                                      -	0.00%
Event  Grade D	0	$                                      -	0.00%
Total Sample	90	$               85,563,339.00	100.00%

 

Event Grade Definitions

Final Loan Grade
A	Loan meets Credit, Compliance, and Valuation Guidelines
B	The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines.
C	The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines.
D	Loan is missing documentation to perform a sufficient review.

Credit Event Grades
A	The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable.The borrower’s willingness and ability to repay the loan is documented and reasonable.
B	The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines.  The employment, income, assets and occupancy are supported and justifiable.  The borrower’s willingness and ability to repay the loan is documented and reasonable.
C	The loan does not substantially meet the published guidelines.  There are not sufficient compensating factors that justify exceeding the published guidelines.  The employment, income, assets or occupancy are not supported and justifiable.  The borrower’s willingness and ability to repay the loan were not documented or are unreasonable.
D	There was not sufficient documentation to perform a review or the credit file was not furnished.

Compliance Event Grades
A	The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties.
B	The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required.
C	The loan violates one material law or regulation.  The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents.
D	There was not sufficient documentation to perform a review or the required legal documents were not furnished.

 

Valuation Event Grades
A	The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination.  The appraiser was appropriately licensed and used GSE approved forms.
B	The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller.  The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines.  The appraisal was performed on an "as-is" basis and the property is complete and habitable.  The appraiser was appropriately licensed and used GSE approved forms.
C	The value is not supported within 10% of the original appraisal.  The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines.  The property is in below “average” condition or the property is not complete or requires significant repairs.  The appraisal was not performed on an “as is” basis.  The appraiser was not appropriately licensed or did not use GSE approved forms.
D	The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

EX-99.17

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.17

Loan Count:		90
Fields Reviewed	Number of discrepancies	Percentage
Loan Purpose	2	2.22%
Maturity Date	4	4.44%
Original FICO Score	2	2.22%
Origination/Note Date	1	1.11%
Originator Back-End DTI	17	18.89%
Property Type	2	2.22%

Client:	LoanDepot & SG Capital
Report Pulled:	4/1/2021
Loan Count:	90
Audit ID	SellerLoanID	Customer Loan Number	Borrower Last Name	Field	Tape Data	Review Data
XXXX	XXXX	302320996	XXXX	Original FICO Score	XXXX	XXXX
XXXX	XXXX	302410423	XXXX	Original FICO Score	XXXX	XXXX
XXXX	XXXX	302410423	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302410519	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302356747	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302371087	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302392704	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302388324	XXXX	Property Type	Pud	Single Family Detached non-PUD
XXXX	XXXX	302388323	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302324801	XXXX	Maturity Date	XXXX	XXXX
XXXX	XXXX	302334891	XXXX	Maturity Date	XXXX	XXXX
XXXX	XXXX	302334891	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302336596	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302338176	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302368609	XXXX	Maturity Date	XXXX	XXXX
XXXX	XXXX	302400063	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302410422	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302401938	XXXX	Loan Purpose	Rate/Term Refinance	Cash Out: Other/Multipurpose/Unknown purpose
XXXX	XXXX	302366976	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302394119	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302423617	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302371090	XXXX	Maturity Date	XXXX	XXXX
XXXX	XXXX	302404433	XXXX	Origination/Note Date	XXXX	XXXX
XXXX	XXXX	302459163	XXXX	Property Type	SFR Detached	PUD - Only for use with Single-Family Detached Hom
XXXX	XXXX	302469359	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302477423	XXXX	Originator Back-End DTI	XXXX	XXXX
XXXX	XXXX	302462880	XXXX	Loan Purpose	Rate/Term Refinance	Cash Out: Other/Multipurpose/Unknown purpose
XXXX	XXXX	302473055	XXXX	Originator Back-End DTI	XXXX	XXXX

EX-99.18

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.18

SellerLoanID

Customer Loan Number

Date Submitted

Seller Name

Finding #

Last Name

Note Date

Audit Category

Audit Issue

Exception ID

Exception Finding

Remediation Status

Exception Rebuttal

Exception Response

Status Comment

Date Completed

Initial Findings Grade

Final Findings Grade

Initial Loan Grade

Final Loan Grade

Initial Overall Grade(Moody's)

Final Overall Grade(Moody's)

Initial Credit Grade (Moody's)

Final Credit Grade (Moody's)

Initial Overall Grade (DBRS)

Final Overall Grade (DBRS)

Initial Credit Grade (DBRS)

Final Credit Grade (DBRS)

Initial Property Valuation Grade (DBRS)

Final Property Valuation Grade (DBRS)

Initial Compliance Grade (DBRS)

Final Compliance Grade (DBRS)

Initial Overall Grade (S&P)

Final Overall Grade (S&P)

Initial Credit Grade (S&P)

Final Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Final Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Compliance Grade (S&P)

Initial Overall Grade (Fitch)

Final Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Final Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Final Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Final Compliance Grade (Fitch)

Initial Overall Loan Grade  (DBRS Morningstar)

Final Overall Loan Grade  (DBRS Morningstar)

Initial Credit Grade (DBRS Morningstar)

Final Credit Grade (DBRS Morningstar)

Initial Property Valuation Grade (DBRS Morningstar)

Final Property Valuation Grade (DBRS Morningstar)

Initial Compliance Grade(DBRS Morningstar)

Final Compliance Grade(DBRS Morningstar)

XXXX

302229799

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Calculating Cash to Close Mismatch

XXXX

The Cash to Close on the CCTC table on page 3 of the CD issued on XX/XX/XXXX in the LE column does not match the Estimated Cash to Close on the CCTC table (page 2) of the revised LE issued on XX/XX/XXXX.

Acknowledged

Rebuttal 1 (XX/XX/XXXX 11:21AM) There was a COC CD XX/XX/XXXX - Pricing changed due to appraised value. This changed the cash to close Rebuttal 2 (XX/XX/XXXX 9:34AM) PCCD docs uploaded for review.

Response 1 (XX/XX/XXXX 12:37PM) The provided documentation is insufficient to cure the finding. The amount of ''Cash to Close' disclosed in the Loan Estimate column of the last revised CD (issued XX/XX/XXXX) should match the amount of 'Cash to Close' disclosed on the last revised LE (issued XX/XX/XXXX) (Upheld) Response 2 (XX/XX/XXXX 11:25AM) The provided documentation is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

2

1

3

1

C

A

C

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

XXXX

302229799

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Credit

Income - Business Tax Returns

XXXX

Copies of signed federal business income tax returns (including all schedules) were not obtained or were not properly retained in the file. The XXXX Partnership return (form XXXX) is not signed.

Resolved

Rebuttal 1 (XX/XX/XXXX 10:21AM) CEL guides 9.3 do not require business returns to be wet signed when the income flows to the XXXXs which is the case here. Rebuttal 2 (XX/XX/XXXX 11:19AM) Signed

Response 1 (XX/XX/XXXX 10:56AM) Section 9.3 references that business Tax Transcripts are not required when income flows to the personal return as opposed to the absence of signatures on business returns. Section 9.1.2 requires a signature on the business returns. (Upheld) Response 2 (XX/XX/XXXX 11:41AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

XXXX

302229799

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

Tax Payer First Act Disclosure - Missing

XXXX

The file does not contain evidence that the Tax Payer First Act Disclosure was provided to the co-borrower. The disclosure in the file was only signed by the borrower.

Resolved

Rebuttal 1 (XX/XX/XXXX 10:19AM) uploaded

Response 1 (XX/XX/XXXX 10:51AM) Documentation received is sufficient. (Response)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

XXXX

302229799

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within XX% of original appraisal amount

XXXX

The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. There is a CDA in the loan file that supports the appraised value.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

XXXX

302303241

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - XX% Tolerance Violation (No Valid COC)

XXXX

The loan failed the charges that in total cannot increase more than XX% test. 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 XX% ($XXXX) exceed the comparable charges ($XXXX) by more than XX%. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fee on the initial CD issued on XX/XX/XXXX was not accepted: Recording Charges. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required. Truth in Lending Act (Regulation Z). 12 CFR 2016.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv).

Resolved

Rebuttal 1 (XX/XX/XXXX 5:53PM) PCCD documentation uploaded Rebuttal 2 (XX/XX/XXXX 1:35PM) PCCD documentation uploaded

Response 1 (XX/XX/XXXX 11:03AM) The provided documentation is insufficient to cure the finding. Although the provided PCCD and LOE are acceptable, a copy of the refund was not provided. Copy of 'Issue Confirmation' which was provided, is not sufficient as a copy of the refund. (Upheld) Response 2 (XX/XX/XXXX 1:36PM) The documentation provided is sufficient to cure the finding (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302303241

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302303241

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within XX% of original appraisal amount

XXXX

The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. A CDA was provided which supported the appraised value.

No Finding

1

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302334895

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302334895

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302334895

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The CU score was 2.4.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302327790

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii)

Acknowledged

2

2

4

2

D

B

D

A

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

XXXX

302327790

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Assets - Bank Statements

XXXX

The bank and/or asset statements are incomplete. Guidelines for personal assets require the two most recent, consecutive months' statements for each account. The loan file contained a XXXX retirement account #XXXX that covered XX/XX/XXXX through XX/XX/XXXX. The loan file is missing the XXXX statement for XX/XX/XXXX - XX/XX/XXXX. Without including these funds, the borrower was short reserves of $XXXX. It should also be noted that the loan file contained an account activity sheet for XXXX XXXX dated XX/XX/XXXX with an available balance of $XXXX. The available balance could not be used because the loan file did not a fully transaction history from XX/XX/XXXX through XX/XX/XXXX.

Resolved

Rebuttal 1 (XX/XX/XXXX 1:25PM) Attached is XXXX missing bank statement.

Response 1 (XX/XX/XXXX 9:22AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

4

1

4

2

D

B

D

A

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

XXXX

302327790

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained a XXXX Appraisal desk review as required.

No Finding

1

1

4

2

D

B

D

A

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

XXXX

302456527

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302456527

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD/Payee Not Listed

XXXX

The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD. The Reinspection Fee in section B does not list a payee.

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302456527

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302456527

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained an Appraisal Desk Review, dated XX/XX/XXXX that supported the subject property's market value.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302460762

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302460762

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Transaction Information/Seller Info

XXXX

The CD issued on XX/XX/XXXX does not reflect the complete Seller address when compared to the Purchase Contract. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(4)(ii)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302460762

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302460762

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained a XXXX Appraisal Department Desk Review which supported the appraised value.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302456526

XX/XX/XXXX

XXXXX

1 of 5

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii)

Acknowledged

2

2

3

2

C

B

A

A

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

XXXX

302456526

XX/XX/XXXX

XXXXX

2 of 5

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Disbursement Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii)

Acknowledged

2

2

3

2

C

B

A

A

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

XXXX

302456526

XX/XX/XXXX

XXXXX

3 of 5

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

3

2

C

B

A

A

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

XXXX

302456526

XX/XX/XXXX

XXXXX

4 of 5

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The CU score was 2.2.

No Finding

1

1

3

2

C

B

A

A

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

XXXX

302456526

XX/XX/XXXX

XXXXX

5 of 5

XXXX

XX/XX/XXXX

Valuation

Appraisal - Subject-to but missing completion cert.

XXXX

The appraisal provided was made subject-to completion with no completion certification provided. Without this certification, Auditor was unable to verify if property was completed.

Resolved

Rebuttal 1 (XX/XX/XXXX 6:42PM) Please see attached 1004D.

Response 1 (XX/XX/XXXX 7:13PM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

A

A

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

XXXX

302320996

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302320996

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Debts - Not Verified

XXXX

The application lists significant debts that were not verified on the credit report and not independently verified. The 1003/1008 reflects a $XX monthly payment on the subject property. Reviewer was unable to verify payment in the file.

Resolved

Rebuttal 1 (XX/XX/XXXX 12:30PM) The $XX was an error. This has been taken out and attached is the new 1003 and 1008

Response 1 (XX/XX/XXXX 1:36PM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302320996

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score 2.2 (2.5 or less) is acceptable for loan amount up to $XX.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302401938

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302401938

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302401938

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contains a XXXX Appraisal Department Desk Review which supports the appraised value which is acceptable for loan amounts >$XXXX to $XXXX.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302372926

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302372926

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302372926

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within XX% of original appraisal amount

XXXX

The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. Desk review provided supports value.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302270488

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302270488

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Debts - Not Verified

XXXX

The application lists significant debts that were not verified on the credit report and not independently verified. Per the Final 1008, the borrowers refinanced their rental property XXXX with a new loan in the amount of $XXXX with a monthly payment of $XXXX. The loan file did not contain documentation that verified the new loan amount and monthly housing payment.

Resolved

Rebuttal 1 (XX/XX/XXXX 1:30PM) Attached Final CD for XXXX

Response 1 (XX/XX/XXXX 9:30AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302270488

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained the XXXX appraisal desk review.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302408761

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302408761

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302408761

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The file contained a Desk Review which supported the appraised value.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302326610

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302326610

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Assets - Minimum Reserves

XXXX

Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Guidelines require that XX% of the required reserves must be in liquid, non-retirement accounts. Reserves required $XXX (XX months on the subject); therefore, $XXX must be verified in liquid, non-retirement accounts. Total verified assets in the file $XXXX (liquid assets $XXXX and IRA/retirement assets $XXXX (XX% of balance)). Liquid assets $XXXX less funds to close $XXXX equals $XXXX, which does not meet the XX% ($XXXX) liquid reserve requirement.

Resolved

Rebuttal 1 (XX/XX/XXXX 3:48PM) We received an additional bank statement from the borrower. It’s a XXXX account, BUT as you see on page 2, part of the balance of this is from a ‘money market’ account for $XXXX. Money market accounts are usually always considered ‘liquid’, so I wanted to confirm that we are ok with this statement.

Response 1 (XX/XX/XXXX 9:06AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302326610

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Desk review supports appraised value.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302368611

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302368611

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302368611

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score received of 2.2 is acceptable for loan amount up to $XXXX.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302404436

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD/Payee Not Listed

XXXX

The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD issued XX/XX/XXXX. Second Appraisal Fee.

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302404436

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302404436

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. A 2nd appraisal is required for loan amounts > $XX. The 2nd appraisal and a desk review appraisal support the appraised value.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302368610

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302368610

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302368610

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained a Desk Review which supported the value in the origination appraisal report.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302406390

XX/XX/XXXX

XXXXX

1 of 5

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

3

2

C

B

C

B

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

XXXX

302406390

XX/XX/XXXX

XXXXX

2 of 5

XXXX

XX/XX/XXXX

Credit

Assets - Minimum Reserves

XXXX

Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. According to guidelines 15 months reserves are required. In this case the borrower needed to bring $XXXX to closing plus $XXXX in reserves for a total of $XXXX. The loan file contained verification of assets totaling $XXXX which leaves borrower short reserves by $XXXX.

Resolved

Rebuttal 1 (XX/XX/XXXX 12:22PM) assets Rebuttal 2 (XX/XX/XXXX 9:24AM) Hello - I uploaded a 2nd statement on XX/XX/XXXX. Did you receive it?

Response 1 (XX/XX/XXXX 2:01PM) There was only a 1 month statement for XXXX. Funds were not utilized. A second statement is required. (Upheld) Response 2 (XX/XX/XXXX 10:09AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

B

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

XXXX

302406390

XX/XX/XXXX

XXXXX

3 of 5

XXXX

XX/XX/XXXX

Credit

Income - Employment History

XXXX

Two full years of continuous employment history was not obtained for the co- borrower. The co borrower has been on her current job for 1 year 6 months. 1003 indicates prior employment with XXXX from XX/XX/XXXX to XX/XX/XXXX. The XXXX W2 was provided; however, no documentation to confirm employment with XXXX from XX/XX/XXXX to XX/XX/XXXX was provided.

Resolved

Rebuttal 1 (XX/XX/XXXX 12:19PM) w2 XXXX

Response 1 (XX/XX/XXXX 1:54PM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

B

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

XXXX

302406390

XX/XX/XXXX

XXXXX

4 of 5

XXXX

XX/XX/XXXX

Credit

Program Parameters - LTV

XXXX

The LTV does not meet the minimum program eligibility guidelines. According to guidelines the maximum LTV is XX%. The subject loan closed at XX% LTV. Exception was noted on the 1008.

Resolved

Rebuttal 1 (XX/XX/XXXX 12:18PM) exception

Response 1 (XX/XX/XXXX 1:51PM) Exception received is sufficient. (Resolved)

XX/XX/XXXX

3

2

3

2

C

B

C

B

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

XXXX

302406390

XX/XX/XXXX

XXXXX

5 of 5

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is not supported within XX% of original appraisal amount

XXXX

According to guidelines for loan amounts over XX 2 full appraisals are required; however, only 1 appraisal was provided.

Resolved

Rebuttal 1 (XX/XX/XXXX 12:24PM) 2nd appraisal

Response 1 (XX/XX/XXXX 1:50PM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

B

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

XXXX

302326607

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

2

2

B

B

B

B

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

XXXX

302326607

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Verification Documentation - VVOE Salaried/Aged

XXXX

A VVOE is required within 10 Business Days of the Note Date. The VVOE in file has a date typo of XX/XX/XXXX. The note date is XX/XX/XXXX. A correction is required.

Acknowledged

2

2

2

2

B

B

B

B

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

XXXX

302326607

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU Score of 2.0 is acceptable for loan amount up to $XX.

No Finding

1

1

2

2

B

B

B

B

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

XXXX

302490740

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Incorrect Section

XXXX

The Title Fees were included in Section B of the CD issued on XX/XX/XXXX. However, the fees should have been entered under Section C since the provider of service was not listed on the Service Provider List. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(f), (g)

Resolved

Rebuttal 1 (XX/XX/XXXX 1:31PM) copy of corrected CD title fees moved to section C

Response 1 (XX/XX/XXXX 5:32PM) The provided documentation is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

2

1

2

1

B

A

A

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302490740

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

1

B

A

A

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302490740

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score 2.5 is acceptable for loan amount up to $XX.

No Finding

1

1

2

1

B

A

A

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302324801

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302324801

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Verification Documentation - VVOE Salaried/Missing

XXXX

A VVOE is missing from the loan file. The loan file is missing a VVOE for both the borrower and co-borrower.

Resolved

Rebuttal 1 (XX/XX/XXXX 10:28AM) VOE'S

Response 1 (XX/XX/XXXX 12:03PM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302324801

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The file contains a CU with a score of 2.0 which supports the appraised value.

No Finding

1

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302324798

XX/XX/XXXX

XXXXX

1 of 7

XXXX

XX/XX/XXXX

Compliance

Security Instrument - Missing Rider/Addendum

XXXX

The following referenced Rider is missing: Condo Rider.

Resolved

Rebuttal 1 (XX/XX/XXXX 12:36PM) Attached is the recorded DOT that shows the rider was included.

Response 1 (XX/XX/XXXX 1:56PM) The documentation provided is sufficient to clear the defect. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302324798

XX/XX/XXXX

XXXXX

2 of 7

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Incorrect Section

XXXX

The Title-Doc Preparation Fee was included in Section B of the PCCD issued on XX/XX/XXXX. However, the fee should have been entered under Section C. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(f), (g)

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302324798

XX/XX/XXXX

XXXXX

3 of 7

XXXX

XX/XX/XXXX

Compliance

TRID - CD/Payee Not Listed

XXXX

The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD. The Reinspection Fee does not list a payee.

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302324798

XX/XX/XXXX

XXXXX

4 of 7

XXXX

XX/XX/XXXX

Compliance

TRID - Seller CD/Missing

XXXX

A copy of the seller's CD or the consumer's CD with the Seller's transaction was not provided in the loan file. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(t)(5)(v), (vi)

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302324798

XX/XX/XXXX

XXXXX

5 of 7

XXXX

XX/XX/XXXX

Credit

Income - Rental Property Income

XXXX

The documentation supporting income from other real estate owned is not adequately supported to meet underwriting guidelines. The borrower was qualified with a DTI of XX% which included negative net rental income of ($XXXX) for the exit residence based on gross monthly rental income of $XXXX. The loan file contained a lease agreement and a copy of the first month's rent and security deposit check; however, the loan file did not contain an appraisal or proof of the exit residence purchase price supporting XX%+ equity as required. DTI recalculated inclusive of the exit residence payment exceeds XX% lender maximum.

Resolved

Rebuttal 1 (XX/XX/XXXX 5:35PM) The property profile confirms sales price of $XXXX and in turn confirms XX% equity in the property.

Response 1 (XX/XX/XXXX 1:38PM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302324798

XX/XX/XXXX

XXXXX

6 of 7

XXXX

XX/XX/XXXX

Credit

Verification Documentation - VVOE Salaried/Missing

XXXX

A VVOE is missing from the loan file. The loan file is missing a VVOE for the: borrower's secondary employment with XXXX.

Resolved

Rebuttal 1 (XX/XX/XXXX 5:34PM) Attached

Response 1 (XX/XX/XXXX 1:35PM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302324798

XX/XX/XXXX

XXXXX

7 of 7

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU Score is 3.8. Desk review is present in the loan file.

No Finding

1

1

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302334891

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302334891

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Income - Tax Transcripts Missing

XXXX

Tax Transcripts were not provided as required. XXXX and XXXX transcripts are required.

Resolved

Rebuttal 1 (XX/XX/XXXX 5:58PM) Per XX jumbo guidelines tax transcripts are not required for this loan

Response 1 (XX/XX/XXXX 6:31PM) Explanation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302334891

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score 2 is acceptable for loan amount up to $XX.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302473061

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302473061

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302473061

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302473061

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. LD Appraisal Department desk review supports value.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302338182

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302338182

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302338182

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained an Appraisal Desk Review, dated XX/XX/XXXX, that supported the market value.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302371095

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302371095

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302371095

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score 1.5 ( must be 2.5 or less) is acceptable for loan amount up to $XX.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302336596

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302336596

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Income - Tax Transcripts Missing

XXXX

Tax Transcripts were not provided as required. XXXX and XXXX transcripts required.

Resolved

Rebuttal 1 (XX/XX/XXXX 3:38PM) This is not required. The loan does not meet any of the requirements in the guidelines below.

Response 1 (XX/XX/XXXX 9:11AM) Explanation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302336596

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Acceptable Desk Review in file, which supports value.

No Finding

1

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302337308

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302337308

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302337308

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within XX% of original appraisal amount

XXXX

The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. A XXXX desk review was provided which supported the appraised value.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302371094

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302371094

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Hazard Insurance - Missing/Insufficient

XXXX

The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. Hazard insurance policy reflects coverage in the amount of $XXXX. Subject loan amount is $XXXX. The policy does not reflect guaranteed replacement cost and the file does not contain an estimate of replacement cost.

Resolved

Rebuttal 1 (XX/XX/XXXX 5:56PM) Please see uploaded extended replacement cost for HOI

Response 1 (XX/XX/XXXX 6:34PM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302371094

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. LD desk review was provided which supported the appraised value in the origination appraisal report.

No Finding

1

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302338176

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302338176

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302338176

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Desk review provided supports value.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302356747

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302356747

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302356747

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Desk review provided supports value.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302356745

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302356745

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302356745

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Documentation in file reflects a CU Score of 2.4.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302366982

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302366982

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302366982

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Desk review provided is acceptable.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302486645

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302486645

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302486645

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Internal desk review supports the opinion of value in the origination appraisal report.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302366977

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Incorrect Section

XXXX

The Title - Processing fee was included in Section B of the CD issued on XX/XX/XXXX. However, the fee should have been entered under Section C. Truth in Lending Act (Regulation Z)12 CFR 1026.38(f), (g).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302366977

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302366977

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Desk Review in file supported the appraised value.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302366976

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised PCCD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302366976

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302366976

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file also contained an Appraisal Desk Review.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302366975

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD/Lender Credits that Cannot Decrease (No Valid COC)

XXXX

The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required. Truth in Lending Act (Regulation Z) 12 CFR 2016.19(e)(3)(i) & Official Comment 19(e)(3)(i)-5, -6; 12 CFR 1026.19(e)(3)(iv)

Resolved

Rebuttal 1 (XX/XX/XXXX 7:27PM) The lender credit was to cover the cost of the appraisal. On the LE, the credit is for $XXXX to cover the estimated appraisal fee of $XXXX. When the actual invoice was received, the cost was only $XXXX, so that is the amount of the actual lender credit. Please clear the condition. Thank you

Response 1 (XX/XX/XXXX 12:01PM) The information provided is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302366975

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302366975

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score of 1.6.

No Finding

1

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302368609

XX/XX/XXXX

XXXXX

1 of 5

XXXX

XX/XX/XXXX

Compliance

ROR - Timing

XXXX

This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.

Resolved

Rebuttal 1 (XX/XX/XXXX 4:02PM) Attached

Response 1 (XX/XX/XXXX 1:58PM) The provided documentation is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302368609

XX/XX/XXXX

XXXXX

2 of 5

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii).

Acknowledged

2

2

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302368609

XX/XX/XXXX

XXXXX

3 of 5

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5).

Acknowledged

2

2

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302368609

XX/XX/XXXX

XXXXX

4 of 5

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302368609

XX/XX/XXXX

XXXXX

5 of 5

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The Appraisal Desk Review in file is acceptable for loan amount of $XX to $XX.

No Finding

1

1

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302369340

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

Resolved

Rebuttal 1 (XX/XX/XXXX 2:11PM) Please see attached updated CD.

Response 1 (XX/XX/XXXX 10:40AM) The provided documentation is sufficient to cure the finding (Resolved)

XX/XX/XXXX

2

1

2

1

B

A

A

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302369340

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

1

B

A

A

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302369340

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The file contains a Desk Review that supports the value.

No Finding

1

1

2

1

B

A

A

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302371090

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Incorrect Section

XXXX

The Title - Endorsement Fee, Title - Lender's Title Insurance, and Title - Notary Fee was included in Section B of the CD issued on XX/XX/XXXX. However, the fee should have been entered under Section C. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(f), (g).

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302371090

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5).

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302371090

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

Hazard Insurance - Missing/Insufficient

XXXX

The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The file contains evidence of hazard insurance/extended replacement cost, and the annual premium; however, is missing the dwelling coverage amount.

Resolved

Rebuttal 1 (XX/XX/XXXX 2:39PM) HOI

Response 1 (XX/XX/XXXX 10:20AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302371090

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Desk review for loan amounts between $XX and $XX supports the appraised value.

No Finding

1

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302371089

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD/Lender Credits that Cannot Decrease (No Valid COC)

XXXX

The loan failed the Lender Credits that Cannot Decrease Test. The lender credit decreased on the CD issued on XX/XX/XXXX without a valid change of circumstance. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXX is required. Truth in Lending Act (Regulation Z) 12 CFR 2016.19(e)(3)(i) & Official Comment 19(e)(3)(i)-5, -6; 12 CFR 1026.19(e)(3)(iv).

Resolved

Rebuttal 1 (XX/XX/XXXX 8:29AM) This is not a Lender Credit, Please re-review.. The $XXXX was "Paid Before Closing" Rebuttal 2 (XX/XX/XXXX 10:47AM) What other Documentation / Information is needed to Clear this? Rebuttal 3 (XX/XX/XXXX 11:42AM) CD, Refund check and LOX attached

Response 1 (XX/XX/XXXX 9:34AM) The information provided is not sufficient to clear the defect. The initial loan estimate dated XX/XX/XXXX reflected $XXXX under Lender Credits to the borrower. If this is not a lender credit as stated in the rebuttal, additional information as well as documentation is required. (Upheld) Response 2 (XX/XX/XXXX 2:25PM) The explanation provided is insufficient to cure the finding. Per the Itemization of fees disclosure for LE issued XX/XX/XXXX Lender Credits in the amount of $XXXX were to be applied towards the cost of the Appraisal; however, the Lender Credit was not applied as evidenced by the last revised CD issued XX/XX/XXXX. Since the Lender Credit decreased on the CD issued on XX/XX/XXXX without a valid changed circumstance, a cost to cure in the amount of $XXXX is required. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and a copy of the refund. (Upheld) Response 3 (XX/XX/XXXX 3:57PM) The provided documentation is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

XXXX

302371089

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Debts - Not Verified

XXXX

The application lists significant debts that were not verified on the credit report and not independently verified. The initial and final application indicate HOA dues for subject property in the amount of $XX per month. The appraisal indicates subject property is a PUD; however, does not indicate the monthly HOA dues. The file does not contain documentation verifying monthly HOA dues of $XXXX.

Resolved

Rebuttal 1 (XX/XX/XXXX 4:19PM) Please see attached

Response 1 (XX/XX/XXXX 5:05PM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

XXXX

302371089

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score received of 2.1 is acceptable for loan amount up to $XXM.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

XXXX

302371087

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD/Payee Not Listed

XXXX

The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD. The Reinspection Fee and Second Appraisal Fee does not list a payee.

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302371087

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Income - Employment History

XXXX

Two full years of continuous employment history was not obtained for the co borrower. According to VOE hire date is XX/XX/XXXX. 1003 indicates with current employer for XX years. The loan file does contain XXXX and XXXX W2's from current employer; however, no other documentation provided to confirm X complete years of continuous employment with no gaps of more than 30 days.

Resolved

Rebuttal 1 (XX/XX/XXXX 7:08PM) Please see attached correct VOE. Borrower started in XXXX.

Response 1 (XX/XX/XXXX 8:29AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302371087

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Desk Review provided in loan file. CU score 2.3.

No Finding

1

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302371084

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302371084

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Assets - Cash to Close

XXXX

The file did not contain evidence the borrower had the proper amount of funds required to close. The borrowers were required to verify funds in the amount of $XXXX, which consisted of cash to close of $XXXX and reserves of $XXXX. The loan file contained bank statements for XXXX #XXXX that verified $XXX. The borrowers were short properly verified assets of $XXXX. The loan file contained 3 months of bank statements for the co-borrower XXXX Portfolio accounts; however, they were not readable.

Resolved

Rebuttal 1 (XX/XX/XXXX 7:45PM) Please see attachment.

Response 1 (XX/XX/XXXX 2:17PM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302371084

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file also contained an Appraisal Desk Review, dated XX/XX/XXXX that supported the market value.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302372062

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302372062

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302372062

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained a XXXX Appraisal Department Desk Review which supported the appraised value.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302372061

XX/XX/XXXX

XXXXX

1 of 5

XXXX

XX/XX/XXXX

Compliance

State Testing

XXXX

This loan failed the per diem interest amount test. (XX Bus. Prof. Code §2948.5)The per diem interest amount charged on the loan ($XXXX) exceeds the per diem interest charge or credit threshold ($XXXX).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302372061

XX/XX/XXXX

XXXXX

2 of 5

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302372061

XX/XX/XXXX

XXXXX

3 of 5

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Disbursement Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302372061

XX/XX/XXXX

XXXXX

4 of 5

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302372061

XX/XX/XXXX

XXXXX

5 of 5

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score of 2.3 is acceptable for loan amount up to $XX.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302372059

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302372059

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302372059

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score 2.0 (must be 2.5 or less) is acceptable for loan amount up to $XX.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302372919

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302372919

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302372919

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contains a CU score of 1 and a XXXX desk review.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302372913

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Incorrect Section

XXXX

The Title-Examination Fee was included in Section B of the CD issued on XX/XX/XXXX. However, the fee should have been entered under Section C. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(f), (g)

Resolved

Rebuttal 1 (XX/XX/XXXX 1:34PM) copy of CD to move Title exam fee to section C

Response 1 (XX/XX/XXXX 9:42AM) The provided documentation is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

2

1

2

1

B

A

A

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302372913

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

1

B

A

A

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302372913

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. A Desk Review was provided and supported the appraised value.

No Finding

1

1

2

1

B

A

A

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302372912

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Incorrect Section

XXXX

The Title - Surcharge/Policy Fee was included in Section B of the CD issued on XX/XX/XXXX. However, the fee should have been entered under Section C. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(f), (g)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302372912

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302372912

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contains a CU score of 2 which is acceptable for a loan amount under $XXXX.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302388325

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302388325

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302388325

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained an Appraisal Desk Review, dated XX/XX/XXXX that verified the property's market value.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302392704

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302392704

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302392704

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The file contains an LD Appraisal Department desk review that supports the value.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302388324

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5).

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302388324

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - Zero Tolerance Violation (No Valid COC)

XXXX

The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees on the LE issued on XX/XX/XXXX was not accepted: Appraisal Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required. Truth in Lending Act (Regulation Z) 12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv).

Resolved

Rebuttal 1 (XX/XX/XXXX 2:20PM) COC

Response 1 (XX/XX/XXXX 3:24PM) The documentation provided is sufficient to cure the finding (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302388324

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

Hazard Insurance - Missing/Insufficient

XXXX

The loan was missing current hazard insurance policy on the subject property with sufficient coverage/replacement cost. The subject loan amount is $XXXX and the total cost new per the appraisal is $XXXX. Per the HOI policy, the total coverage reflected is $XXXX which includes dwelling coverage of $XXXX, extended replacement cost of XX% or $XXXX, building ordinance or law coverage of XX% of coverage A and B or $XXXX and separate structure coverage of $XXXX. Insufficient coverage is provided.

Resolved

Rebuttal 1 (XX/XX/XXXX 6:56PM) Reconstruction Cost and Your Coverage A (Dwelling) Amount for the property

Response 1 (XX/XX/XXXX 1:32PM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302388324

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contains a XXXX Appraisal Department Desk Review which supports the appraised value.

No Finding

1

1

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302388323

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

ROR - Timing

XXXX

This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.

Resolved

Rebuttal 1 (XX/XX/XXXX 4:18PM) lox pccd

Response 1 (XX/XX/XXXX 9:08AM) The documentation provided is sufficient to cure the finding. (Resolved

XX/XX/XXXX

3

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302388323

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii).

Resolved

Rebuttal 1 (XX/XX/XXXX 4:17PM) lox pccd

Response 1 (XX/XX/XXXX 8:57AM) The provided documentation is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

2

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302388323

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302388323

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score 1 (must be 2.5 or less) is acceptable for loan amount up to $XX.

No Finding

1

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302391329

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302391329

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD/Payee Not Listed

XXXX

The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD. The Credit Report Fee does not list a payee.

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302391329

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302391329

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. XXXX Appraisal Department desk review supported the appraised value.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302391327

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302391327

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302391327

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU Score of 1.5 is acceptable for a loan amount of $XXXX.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302410423

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302410423

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302410423

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The CU score of 2.5 is acceptable for loan amounts up to $XX.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302394125

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302394125

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD/Payee Not Listed

XXXX

The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD issued XX/XX/XXXX: Credit Report.

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302394125

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

Income - Rental Property/Missing Lease

XXXX

The rental income was not properly documented per Appendix Q. Lease agreement is required but missing from the loan file for the property located at XXXX. Loan exceeds max XX% DTI without use of rental income.

Resolved

Rebuttal 1 (XX/XX/XXXX 10:18PM) Attached Rebuttal 2 (XX/XX/XXXX 1:02PM) Attached is the full Lease Agreement. The Amendment I provided was 5 but the 4 will be the most current that shows the amount of rent. Amendment 4 is page 22.

Response 1 (XX/XX/XXXX 7:48AM) Only the lease extension was provided, which does not reflect the monthly rent. (Upheld) Response 2 (XX/XX/XXXX 8:25AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302394125

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contains a desk review which supports the opinion of value in the origination appraisal report.

No Finding

1

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302392702

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

ROR - Timing

XXXX

This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3)). The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.

Resolved

Rebuttal 1 (XX/XX/XXXX 10:01AM) midnight date met

Response 1 (XX/XX/XXXX 3:35PM) The documentation provided is sufficient to clear the defect. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302392702

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii).

Resolved

Rebuttal 1 (XX/XX/XXXX 10:02AM) disbarment date corrected

Response 1 (XX/XX/XXXX 3:35PM) The documentation provided is sufficient to clear the defect. (Resolved)

XX/XX/XXXX

2

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302392702

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302392702

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained a Appraisal Desk Review, dated XX/XX/XXXX, that supported the market value.

No Finding

1

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302490739

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302490739

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302490739

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within XX% of original appraisal amount

XXXX

The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. The CU score is 1.8.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302393561

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302393561

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Debts - Not Verified

XXXX

The application lists significant debts that were not verified on the credit report and not independently verified. The borrowers were refinancing their rental property XXXX. The subject loan was qualified using the borrowers' proposed housing payment of $XXXX (PITI) for their rental property. The loan file did not contain documentation that verified the new loan of $XXXX with a principal and interest payment of $XXXX.

Resolved

Rebuttal 1 (XX/XX/XXXX 2:22PM) Please see attached. Thank you!

Response 1 (XX/XX/XXXX 8:28AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302393561

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained an Appraisal Desk Review, dated XX/XX/XXXX, that confirmed the subject's property market value.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302394123

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302394123

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD/Payee Not Listed

XXXX

The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD. The Reinspection Fee does not list a payee.

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302394123

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302394123

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The CU score of 2.3 is acceptable for loan amounts up to $XX.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302394119

XX/XX/XXXX

XXXXX

1 of 8

XXXX

XX/XX/XXXX

Compliance

HOC - Late

XXXX

The Homeownership Counseling Disclosure (HOC) dated XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.20(a)(1).

Acknowledged

2

2

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302394119

XX/XX/XXXX

XXXXX

2 of 8

XXXX

XX/XX/XXXX

Compliance

TRID - XX% Tolerance Violation (Disclosure Timing Fail)

XXXX

The loan failed the charges that in total cannot increase more than XX% test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions: Title - Endorsement Fee, Title - Escrow Fee, Title - Lender Title Insurance, Title - Recording Service Fee, Title - Signing Fee, and Recording Fees. The violation may be cured if documentation is provided showing the disclosure was delivered timely. A cost to cure in the amount of $XXXX is required. Truth in Lending Act (Regulation Z)12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv).

Resolved

Rebuttal 1 (XX/XX/XXXX 7:51PM) Please see attached.

Response 1 (XX/XX/XXXX 1:27PM) The documentation provided is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302394119

XX/XX/XXXX

XXXXX

3 of 8

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5).

Acknowledged

2

2

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302394119

XX/XX/XXXX

XXXXX

4 of 8

XXXX

XX/XX/XXXX

Compliance

TRID - Initial LE/Delivery Date (from application)

XXXX

The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, 12/23/2020. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A).

Resolved

Rebuttal 1 (XX/XX/XXXX 7:52PM) Please see attached.

Response 1 (XX/XX/XXXX 1:26PM) The documentation provided is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302394119

XX/XX/XXXX

XXXXX

5 of 8

XXXX

XX/XX/XXXX

Compliance

TRID - SPL - More than 3 days from Application

XXXX

The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(vi)(C).

Acknowledged

2

2

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302394119

XX/XX/XXXX

XXXXX

6 of 8

XXXX

XX/XX/XXXX

Compliance

TRID - Zero Tolerance Violation (Disclosure Timing Fail)

XXXX

The loan failed the charges that cannot increase test. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions: Processing Fee, Underwriting Fee, Appraisal Fee, Credit Report Fee, Flood Certificate Fee, and Tax Service Fee. The violation may be cured if documentation is provided showing the disclosure was delivered timely. A cost to cure in the amount of $XXXX is required. Truth in Lending Act (Regulation Z) 12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv).

Resolved

Rebuttal 1 (XX/XX/XXXX 7:52PM) Please see attached.

Response 1 (XX/XX/XXXX 1:27PM) The documentation provided is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302394119

XX/XX/XXXX

XXXXX

7 of 8

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302394119

XX/XX/XXXX

XXXXX

8 of 8

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Cu with a score of 2.1 is acceptable for loan amount up to $XX.

No Finding

1

1

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302394708

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

ROR - Timing

XXXX

This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.

Resolved

Rebuttal 1 (XX/XX/XXXX 1:53PM) Updated PCCD with correct Fund/Disbursement Date.

Response 1 (XX/XX/XXXX 3:11PM) The documentation provided is sufficient to clear the defect. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302394708

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii)

Resolved

Rebuttal 1 (XX/XX/XXXX 1:38PM) It is okay that the closing date of XX/XX/XXXX is not the same as the signing/notary date of XX/XX/XXXX as long as the docs are notarized on the day of signing and the signing is before the fund/disbursement date.

Response 1 (XX/XX/XXXX 3:05PM) The provided explanation is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

2

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302394708

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302394708

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contained an Appraisal Desk Review, dated XX/XX/XXXX that verified the subject property's market value.

No Finding

1

1

3

1

C

A

A

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302400064

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302400064

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Transaction Information/Seller Info

XXXX

The CD issued on XX/XX/XXXX does not reflect the complete Seller address when compared to the Purchase Contract. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(4)(ii)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302400064

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302400064

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Due to a CU score of 3.5, an appraisal department desk review was required and provided in the loan file.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302400063

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

N/A

A

A

A

N/A

A

A

A

A

A

A

A

N/A

A

A

A

A

A

A

A

N/A

A

A

A

A

A

A

A

N/A

A

A

A

A

A

XXXX

302400063

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

N/A

A

A

A

N/A

A

A

A

A

A

A

A

N/A

A

A

A

A

A

A

A

N/A

A

A

A

A

A

A

A

N/A

A

A

A

A

A

XXXX

302400063

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. A XXXX desk review was provided and supported the appraised value.

No Finding

1

1

1

1

A

A

N/A

A

A

A

N/A

A

A

A

A

A

A

A

N/A

A

A

A

A

A

A

A

N/A

A

A

A

A

A

A

A

N/A

A

A

A

A

A

XXXX

302460761

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302460761

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Transaction Information/Seller Info

XXXX

The CD issued on XX/XX/XXXX does not reflect the complete Seller's name and address when compared to the Purchase Contract. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(4)(ii).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302460761

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302460761

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within XX% of original appraisal amount

XXXX

The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. XXXX's Collateral Underwriter (CU) score of 2.3 was provided.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302462880

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302462880

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302462880

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within XX% of original appraisal amount

XXXX

The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. The loan file contains an Appraisal Desk Review dated XX/XX/XXXX which supported the appraised value.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302401366

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302401366

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302401366

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The CU Score of 2.2 is acceptable for loan amounts up to $XX.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302410422

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302410422

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302410422

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score 1.0 is acceptable for loan amount up to $XX.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302404433

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent Company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z)12 CFR 1026.38(r)(3), (5)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302404433

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302404433

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The file contained a XXXX Desk Review which supported the appraised value.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302413549

XX/XX/XXXX

XXXXX

1 of 5

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5).

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302413549

XX/XX/XXXX

XXXXX

2 of 5

XXXX

XX/XX/XXXX

Compliance

TRID - CD/Payee Not Listed

XXXX

The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD. The HOA Certification Fee and HOA Master Insurance Fee does not list a payee.

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302413549

XX/XX/XXXX

XXXXX

3 of 5

XXXX

XX/XX/XXXX

Compliance

TRID - Initial CD/Delivery Date (prior to consummation) Non- Rescindable

XXXX

Non- Rescindable Transaction. The loan failed the Initial Closing Disclosure delivery date test due to the following: The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required.

Resolved

Rebuttal 1 (XX/XX/XXXX 5:29PM) initial CD attached

Response 1 (XX/XX/XXXX 12:04PM) The documentation provided is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302413549

XX/XX/XXXX

XXXXX

4 of 5

XXXX

XX/XX/XXXX

Credit

Program Parameters - LTV

XXXX

The LTV does not meet the minimum program eligibility guidelines. The subject loan was delivered as an XXXX% LTV/CLTV purchase of a primary residence. Investor Jumbo Guidelines allow for a maximum LTV/CLTV OF XX%; therefore the subject loan does not meet program parameters.

Resolved

Rebuttal 1 (XX/XX/XXXX 5:27PM) loan amount is a little over $XX, fico XXXX and ltv at XXXX please see attached loan is within quides

Response 1 (XX/XX/XXXX 6:23PM) Explanation and documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302413549

XX/XX/XXXX

XXXXX

5 of 5

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. XXXX Appraisal Department Desk Review in file supports the appraised value.

No Finding

1

1

3

2

C

B

C

A

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302404431

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5).

Acknowledged

2

2

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302404431

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Assets - Minimum Reserves

XXXX

Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. The borrowers are required to verify 15 months of reserves or $XXXX. This figure is higher at audit due to monthly taxes verified as higher per tax certs. The borrowers are short $XXXX in reserves.

Resolved

Rebuttal 1 (XX/XX/XXXX 11:47AM) Please provide calculation breakdown. Rebuttal 2 (XX/XX/XXXX 7:00PM) Per attached tax info, there are only 2 tax bills, any other tax bill you're looking at would be for the previous year. This brought the payment down to $XXXX x XX mos = $XXXX and we are under the $XXX in verified reserves.

Response 1 (XX/XX/XXXX 1:02PM) $XXXX per month principal and interest from Note plus $XXXX per month HOI from bill plus $XXXX per month taxes from 3 separate tax bills = $XXXX per month x XX months = $XXXX reserves. Actual reserves = $XXXX. (Upheld) Response 2 (XX/XX/XXXX 8:42AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302404431

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score 2.1 (must be 2.5 or less) is acceptable for loan amount up to $XX.

No Finding

1

1

3

2

C

B

C

A

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302473058

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302473058

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302473058

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU Score of 1.0 is acceptable for loan amounts up to $XX.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302408744

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Incorrect Section

XXXX

The Title Fees were included in Section B of the CD issued on XX/XX/XXXX. However, the fees should have been entered under Section C since the provider of service was not listed onthe Service Provider List. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(f), (g)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302408744

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302408744

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score 2.4 (must be 2.5 or less) is acceptable for loan amount up to $XX.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302459169

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302459169

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302459169

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. Documentation in file reflects a CU Score of 2.3. An internal desk review was present in file that indicated the opinion of value was acceptable.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302410519

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - XX% Tolerance Violation (No Valid COC)

XXXX

The loan failed the charges that in total cannot increase more than XX% test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Recording Fees. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required. Truth in Lending Act (Regulation Z) 12 CFR 2016.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)

Resolved

Rebuttal 1 (XX/XX/XXXX 11:46AM) Please see amended CD and proof of refund.

Response 1 (XX/XX/XXXX 1:28PM) The documentation provided is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

3

1

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302410519

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD/Payee Not Listed

XXXX

The loan contains the following fee or fees where 'compensation to' does not reflect a Payee on the revised CD issued XX/XX/XXXX: Credit Report.

Upheld

Rebuttal 1 (XX/XX/XXXX 11:49AM) Please see attached CD and refund. Thanks!

Response 1 (XX/XX/XXXX 1:33PM) The documentation provided is insufficient to cure the finding. The PCCD received and issued XX/XX/XXXX reflects a Credit Report fee of $XXXX where the payee name is missing. (Upheld)

XX/XX/XXXX

2

2

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302410519

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302410519

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contains a LD Appraisal Department desk review which supports the value in the origination appraisal report.

No Finding

1

1

3

2

C

B

A

A

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302477431

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

ROR - Timing

XXXX

This loan failed the TILA right of rescission test. Closed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3)) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.

Resolved

Rebuttal 1 (XX/XX/XXXX 5:59PM) Please see attached for disbursement date.

Response 1 (XX/XX/XXXX 3:20PM) The documentation provided is sufficient to clear the defect. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

XXXX

302477431

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii)

Resolved

Response 1 (XX/XX/XXXX 3:20PM) A PCCD was provided clearing the defect. (Resolved)

XX/XX/XXXX

2

1

3

1

C

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

XXXX

302477431

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

Assets - Minimum Reserves

XXXX

Sufficient reserves to meet underwriting requirements and PITI were not verified in the file. Guidelines required 15 months of reserves. Borrower's verified assets were $XXXX. The cash to close required was $XXXX plus reserves of $XXXX for a total of $XXXX. Borrowers verified funds were short by $XXXX.

Resolved

Rebuttal 1 (XX/XX/XXXX 5:58PM) Checking/Saving = $XXXX+$XXXX = $XXXX (verified assets). Cash to close $XXXX + Reserves $XXXX = $XXXX. Please see attached.

Response 1 (XX/XX/XXXX 8:18AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

XXXX

302477431

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU was provided with a score of 2.2.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

XXXX

302413517

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Incorrect Section

XXXX

The Survey Fee was included in Section B of the CD issued on XX/XX/XXXX. However, the fee should have been entered under Section C. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(f), (g)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302413517

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302413517

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within XX% of original appraisal amount

XXXX

The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. XXXX's Collateral Underwriter (CU) with a score of 2.1 was provided.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302423617

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302423617

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302423617

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The loan file contains a LD Desk Review which supports appraised value in the origination appraisal report.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302459167

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Transaction Information/Seller Info

XXXX

The CD issued on XX/XX/XXXX does not reflect the complete Seller name and address when compared to the Purchase Contract. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(4)(ii).

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302459167

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302459167

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. A Desk Review completed by XXXX was provided and supported the appraised value.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302456523

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Incorrect Section

XXXX

The Title Examination Fee was included in Section B of the CD issued on XX/XX/XXXX. However, the fee should have been entered under Section C. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(f), (g)

Resolved

Rebuttal 1 (XX/XX/XXXX 1:42PM) corrected cd

Response 1 (XX/XX/XXXX 11:04AM) The documentation provided is sufficient to cure the finding. (Resolved)

XX/XX/XXXX

2

1

2

1

B

A

A

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302456523

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

1

B

A

A

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302456523

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. A Desk Review completed by XXXX was provided which supported the appraisal value of the subject.

No Finding

1

1

2

1

B

A

A

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302459164

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302459164

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302459164

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. A Desk Review performed by XXXX was provided and supported the market value.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302459163

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Settlement Agent License

XXXX

The license number is missing for the Settlement Agent company on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(r)(3), (5)

Resolved

Rebuttal 1 (XX/XX/XXXX 5:21PM) CD CORRECTED

Response 1 (XX/XX/XXXX 2:37PM) The documentation provided is sufficient to clear the defect. (Resolved)

XX/XX/XXXX

2

1

3

1

C

A

C

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

XXXX

302459163

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Transaction Information/Seller Info

XXXX

The CD issued on XX/XX/XXXX does not reflect the complete Seller address when compared to the Purchase Contract. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(4)(ii)

Resolved

Rebuttal 1 (XX/XX/XXXX 5:22PM) CD CORRECTED

Response 1 (XX/XX/XXXX 2:38PM) The documentation provided is sufficient to clear the defect. (Resolved)

XX/XX/XXXX

2

1

3

1

C

A

C

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

XXXX

302459163

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

Assets - Minimum Reserves

XXXX

Guidelines require that XX% of required reserves be in a liquid, non retirement account. Liquid reserves remaining after funds to close are $XXXX, which is less than the required $XXXX.

Resolved

Rebuttal 1 (XX/XX/XXXX 5:16PM) ASSETS PROVIDED

Response 1 (XX/XX/XXXX 8:03AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

XXXX

302459163

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. XX Appraisal Department desk review supports value.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

XXXX

302470429

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Section B incorrect payee

XXXX

The loan contains a fee or fees where 'compensation to' reflects either 'Lender or Broker' or blank under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. However, this fee should not be retained by the lender, broker or blank. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302470429

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Transaction Information/Seller Info

XXXX

The CD issued on XX/XX/XXXX does not reflect the complete Seller address when compared to the Purchase Contract. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(4)(ii)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302470429

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302470429

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. XX Appraisal Department desk review supports value.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302464894

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302464894

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302464894

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU was provided with a score of 1.4.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302469359

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302469359

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302469359

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU score 1.7 is acceptable for loan amount up to $XX.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302473055

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302473055

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302473055

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Value is supported within XX% of original appraisal amount

XXXX

The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. CU score is 2.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302470425

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302470425

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302470425

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. CU was provided with a score of 2.

No Finding

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302470424

XX/XX/XXXX

XXXXX

1 of 4

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302470424

XX/XX/XXXX

XXXXX

2 of 4

XXXX

XX/XX/XXXX

Credit

Credit Missing - One or More Reports Missing

XXXX

Not all required credit reports are within the file. The file contained 14 pages of a XXX Merged Credit Report. The information on these pages was illegible. Unable to determine eligibility of the borrower's credit/credit score.

Resolved

Rebuttal 1 (XX/XX/XXXX 2:01PM) Credit Report attached

Response 1 (XX/XX/XXXX 8:41AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302470424

XX/XX/XXXX

XXXXX

3 of 4

XXXX

XX/XX/XXXX

Credit

Verification Documentation - VOE/Missing

XXXX

A VOE is missing from the loan file. The loan file is missing a VOE for the borrower.

Resolved

Rebuttal 1 (XX/XX/XXXX 1:58PM) VVOE atached

Response 1 (XX/XX/XXXX 8:30AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302470424

XX/XX/XXXX

XXXXX

4 of 4

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. A Desk Review completed by XXXX was provided and supported the value of the subject.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302477423

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

TRID - CD - Closing Information/Closing Date

XXXX

The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(ii)

Acknowledged

2

2

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302477423

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

No Credit Findings

XXXX

The loan meets all applicable credit guidelines.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302477423

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The CU score was 2.

No Finding

1

1

2

2

B

B

A

A

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302486622

XX/XX/XXXX

XXXXX

1 of 3

XXXX

XX/XX/XXXX

Compliance

No Compliance Findings

XXXX

The loan is in compliance with all applicable laws and regulations.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302486622

XX/XX/XXXX

XXXXX

2 of 3

XXXX

XX/XX/XXXX

Credit

Program Parameters - LTV

XXXX

The LTV does not meet the minimum program eligibility guidelines. Investor guidelines allow a maximum LTV of XX% for the subject transaction. The actual LTV was XX%.

Resolved

Rebuttal 1 (XX/XX/XXXX 1:10PM) please review this condition and the attached XX Jumbo advantage matrix per our jumbo guidelines, this loan qualifies. Purchase transaction at XX% with fisco of XXX Rebuttal 2 (XX/XX/XXXX 1:02PM) updated matriz dated XX/XX/XXXX please review and clear condition

Response 1 (XX/XX/XXXX 12:12PM) Please clarify. Matrix version allowing XX% LTV is effective XX/XX/XXXX. The closing date was XX/XX/XXXX which would fall under the Matrix version dated XX/XX/XXXX with a maximum LTV of XX%. (Upheld) Response 2 (XX/XX/XXXX 8:07AM) Documentation received is sufficient. (Resolved)

XX/XX/XXXX

3

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302486622

XX/XX/XXXX

XXXXX

3 of 3

XXXX

XX/XX/XXXX

Valuation

Appraisal - Performed by appropriately licensed appraiser

XXXX

The appraisal under review was performed and completed by an appropriately licensed appraiser. The CU score was 1.7.

No Finding

1

1

3

1

C

A

C

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

EX-99.19

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.19

SellerLoanID

Customer Loan Number

Last Name

Note Date

Original Loan Amount

Initial Rating

Final Rating

Initial Credit Rating

Final Credit Rating

Initial Compliance Rating

Final Compliance Rating

Initial Property Valuation Rating

Final Property Valuation Rating

Initial Overall Grade(Moody's)

Final Overall Grade(Moody's)

Initial Credit Grade (Moody's)

Final Credit Grade (Moody's)

Initial Property Valuation Grade (Moody's)

Final Property Valuation Grade (Moody's)

Initial Compliance Grade (Moody's)

Final Compliance Grade (Moody's)

Initial Overall Grade (S&P)

Final Overall Grade (S&P)

Initial Credit Grade (S&P)

Final Credit Grade (S&P)

Initial Property Valuation Grade (S&P)

Final Property Valuation Grade (S&P)

Initial Compliance Grade (S&P)

Final Compliance Grade (S&P)

Initial Overall Grade (Kroll)

Final Overall Grade (Kroll)

Initial Credit Grade (Kroll)

Final Credit Grade (Kroll)

Initial Property Valuation Grade (Kroll)

Final Property Valuation Grade (Kroll)

Initial Compliance Grade (Kroll)

Final Compliance Grade (Kroll)

Initial Overall Grade (Fitch)

Final Overall Grade (Fitch)

Initial Credit Grade (Fitch)

Final Credit Grade (Fitch)

Initial Property Valuation Grade (Fitch)

Final Property Valuation Grade (Fitch)

Initial Compliance Grade (Fitch)

Final Compliance Grade (Fitch)

Initial Overall Loan Grade  (DBRS Morningstar)

Final Overall Loan Grade  (DBRS Morningstar)

Initial Credit Grade (DBRS Morningstar)

Final Credit Grade (DBRS Morningstar)

Initial Property Valuation Grade (DBRS Morningstar)

Final Property Valuation Grade (DBRS Morningstar)

Initial Compliance Grade(DBRS Morningstar)

Final Compliance Grade(DBRS Morningstar)

XXXX

302229799

XXXX

XXXX

XXXX

3

1

3

1

2

1

1

1

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

XXXX

302303241

XXXX

XXXX

XXXX

3

1

1

1

3

1

1

1

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

XXXX

302334895

XXXX

XXXX

XXXX

1

1

1

1

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302327790

XXXX

XXXX

XXXX

4

2

4

1

2

2

1

1

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

D

B

D

A

A

A

B

B

XXXX

302456527

XXXX

XXXX

XXXX

2

2

1

1

2

2

1

1

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302460762

XXXX

XXXX

XXXX

2

2

1

1

2

2

1

1

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302456526

XXXX

XXXX

XXXX

3

2

1

1

2

2

3

1

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

C

B

A

A

C

A

B

B

XXXX

302320996

XXXX

XXXX

XXXX

3

1

3

1

1

1

1

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302401938

XXXX

XXXX

XXXX

2

2

1

1

2

2

1

1

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302372926

XXXX

XXXX

XXXX

1

1

1

1

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302270488

XXXX

XXXX

XXXX

3

1

3

1

1

1

1

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302408761

XXXX

XXXX

XXXX

1

1

1

1

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302326610

XXXX

XXXX

XXXX

3

1

3

1

1

1

1

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302368611

XXXX

XXXX

XXXX

1

1

1

1

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302404436

XXXX

XXXX

XXXX

2

2

1

1

2

2

1

1

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302368610

XXXX

XXXX

XXXX

1

1

1

1

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302406390

XXXX

XXXX

XXXX

3

2

3

2

1

1

3

1

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

XXXX

302326607

XXXX

XXXX

XXXX

2

2

2

2

1

1

1

1

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

XXXX

302490740

XXXX

XXXX

XXXX

2

1

1

1

2

1

1

1

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302324801

XXXX

XXXX

XXXX

3

2

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A

A

A

C

B

C

B

C

A

A

A

C

B

C

B

C

A

A

A

C

B

XXXX

302404431

XXXX

XXXX

XXXX

3

2

3

1

2

2

1

1

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

C

B

C

A

A

A

B

B

XXXX

302473058

XXXX

XXXX

XXXX

1

1

1

1

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302408744

XXXX

XXXX

XXXX

2

2

1

1

2

2

1

1

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302459169

XXXX

XXXX

XXXX

2

2

1

1

2

2

1

1

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302410519

XXXX

XXXX

XXXX

3

2

1

1

3

2

1

1

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

C

B

A

A

A

A

C

B

XXXX

302477431

XXXX

XXXX

XXXX

3

1

3

1

3

1

1

1

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

C

A

C

A

A

A

C

A

XXXX

302413517

XXXX

XXXX

XXXX

2

2

1

1

2

2

1

1

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302423617

XXXX

XXXX

XXXX

2

2

1

1

2

2

1

1

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302459167

XXXX

XXXX

XXXX

2

2

1

1

2

2

1

1

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302456523

XXXX

XXXX

XXXX

2

1

1

1

2

1

1

1

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

B

A

A

A

A

A

B

A

XXXX

302459164

XXXX

XXXX

XXXX

1

1

1

1

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302459163

XXXX

XXXX

XXXX

3

1

3

1

2

1

1

1

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

C

A

C

A

A

A

B

A

XXXX

302470429

XXXX

XXXX

XXXX

2

2

1

1

2

2

1

1

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302464894

XXXX

XXXX

XXXX

1

1

1

1

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302469359

XXXX

XXXX

XXXX

1

1

1

1

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302473055

XXXX

XXXX

XXXX

2

2

1

1

2

2

1

1

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302470425

XXXX

XXXX

XXXX

1

1

1

1

1

1

1

1

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

XXXX

302470424

XXXX

XXXX

XXXX

3

1

3

1

1

1

1

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

XXXX

302477423

XXXX

XXXX

XXXX

2

2

1

1

2

2

1

1

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

B

B

A

A

A

A

B

B

XXXX

302486622

XXXX

XXXX

XXXX

3

1

3

1

1

1

1

1

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

C

A

C

A

A

A

A

A

EX-99.20

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.20

Valuation Securitization Report

LOAN INFORMATION

ORIGINATION VALUES

AVM VALUES

DESK REVIEW VALUES

BPO VALUES

FIELD REVIEW VALUES

2055 VALUES

UPDATED VALUES

UPDATED MULTIPROPERTY VALUES

SellerLoanID

Customer Loan Number

Note Date

Original Loan Amount

Sales Price

Appraised Value

Value for LTV

Appraisal Date

Second Appraisal Value

Variance Amount

Variance Percent

Second Appraisal Date

Second Appraisal Type

Appraised Value

Variance Amount

Variance Percent

Company

Confidence Score

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Risk Score

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Appraised Value

Variance Amount

Variance Percent

Company

Appraisal Date

Aggregate Appraised Value

Aggregate Variance Amount

Aggregate Variance Percent

Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?

Collateral Underwriter Risk Score

Collateral Risk Underwriter Score Date

XXXX

302229799

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

302303241

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302366977

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

4.2

XXXX

XXXX

302324798

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

3.8

XXXX

XXXX

302371095

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

1.5

XXXX

XXXX

302371089

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

2.1

XXXX

XXXX

302406390

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2.1

XXXX

XXXX

302394125

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

1.3

XXXX

XXXX

302320996

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

2.2

XXXX

XXXX

302400064

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

3.5

XXXX

XXXX

302391327

XXXX

XXXX

XXXX

XXXX

XXXX

1.5

XXXX

XXXX

302410423

XXXX

XXXX

XXXX

XXXX

XXXX

2.5

XXXX

XXXX

302369340

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

4

XXXX

XXXX

302327790

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302270488

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302410519

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

1

XXXX

XXXX

302372062

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302460762

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

4

XXXX

XXXX

302368611

XXXX

XXXX

XXXX

XXXX

XXXX

2.2

XXXX

XXXX

302392704

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2.6

XXXX

XXXX

302413549

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

1.9

XXXX

XXXX

302326610

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

4.6

XXXX

XXXX

302371087

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2.3

XXXX

XXXX

302356747

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

4

XXXX

XXXX

302388324

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2.1

XXXX

XXXX

302388323

XXXX

XXXX

XXXX

XXXX

XXXX

1

XXXX

XXXX

302371094

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

5

XXXX

XXXX

302368610

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

4.1

XXXX

XXXX

302366975

XXXX

XXXX

XXXX

XXXX

1.6

XXXX

XXXX

302334891

XXXX

XXXX

XXXX

XXXX

XXXX

2

XXXX

XXXX

302368609

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302400063

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2.1

XXXX

XXXX

302324801

XXXX

XXXX

XXXX

XXXX

XXXX

2

XXXX

XXXX

302410422

XXXX

XXXX

XXXX

XXXX

XXXX

1

XXXX

XXXX

302394123

XXXX

XXXX

XXXX

XXXX

XXXX

2.3

XXXX

XXXX

302336596

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2.7

XXXX

XXXX

302338176

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

4.6

XXXX

XXXX

302404431

XXXX

XXXX

XXXX

XXXX

XXXX

2.1

XXXX

XXXX

302391329

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

3.3

XXXX

XXXX

302404436

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2

XXXX

XXXX

302366976

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302371084

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302372913

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

3.7

XXXX

XXXX

302401938

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2.7

XXXX

XXXX

302356745

XXXX

XXXX

XXXX

XXXX

XXXX

2.4

XXXX

XXXX

302372061

XXXX

XXXX

XXXX

XXXX

XXXX

2.3

XXXX

XXXX

302423617

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

1

XXXX

XXXX

302372926

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

5

XXXX

XXXX

302394119

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

2.1

XXXX

XXXX

302459169

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2.3

XXXX

XXXX

302393561

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302473058

XXXX

XXXX

XXXX

XXXX

XXXX

1

XXXX

XXXX

302371090

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

1.5

XXXX

XXXX

302392702

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302473061

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

3.6

XXXX

XXXX

302334895

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

2.4

XXXX

XXXX

302456526

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

2.2

XXXX

XXXX

302408761

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

3.8

XXXX

XXXX

302338182

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302401366

XXXX

XXXX

XXXX

XXXX

XXXX

2.2

XXXX

XXXX

302459167

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

3

XXXX

XXXX

302459164

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2.9

XXXX

XXXX

302470429

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2.3

XXXX

XXXX

302469359

XXXX

XXXX

XXXX

XXXX

XXXX

1.7

XXXX

XXXX

302459163

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2.8

XXXX

XXXX

302477423

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

2

XXXX

XXXX

302486622

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

1.7

XXXX

XXXX

302404433

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

5

XXXX

XXXX

302326607

XXXX

XXXX

XXXX

XXXX

XXXX

2

XXXX

XXXX

302490740

XXXX

XXXX

XXXX

XXXX

XXXX

2.5

XXXX

XXXX

302486645

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

5

XXXX

XXXX

302372919

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

1

XXXX

XXXX

302372912

XXXX

XXXX

XXXX

XXXX

XXXX

2

XXXX

XXXX

302388325

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302394708

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302462880

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

3

XXXX

XXXX

302477431

XXXX

XXXX

XXXX

XXXX

XXXX

2.2

XXXX

XXXX

302456523

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

4

XXXX

XXXX

302464894

XXXX

XXXX

XXXX

XXXX

XXXX

1.4

XXXX

XXXX

302473055

XXXX

XXXX

XXXX

XXXX

XXXX

2

XXXX

XXXX

302470425

XXXX

XXXX

XXXX

XXXX

XXXX

2

XXXX

XXXX

302470424

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

3.4

XXXX

XXXX

302456527

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

XXXX

302337308

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

3.4

XXXX

XXXX

302366982

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

$0.00

XXXX

XXXX

XXXX

2.1

XXXX

XXXX

302372059

XXXX

XXXX

XXXX

XXXX

XXXX

2

XXXX

XXXX

302490739

XXXX

XXXX

XXXX

XXXX

XXXX

1.8

XXXX

XXXX

302460761

XXXX

XXXX

XXXX

XXXX

XXXX

XXXX

2.3

XXXX

XXXX

302408744

XXXX

XXXX

XXXX

XXXX

XXXX

2.4

XXXX

XXXX

302413517

XXXX

XXXX

XXXX

XXXX

XXXX

2.1

XXXX

EX-99.21

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.21

QM/ATR Report
Total Loan Count: 90
SellerLoanID	Customer Loan Number	Last Name	Note Date	Original Loan Amount	QM Status	ATR Status
XXXX	302229799	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302303241	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302334895	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302327790	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302456527	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302460762	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302456526	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302320996	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302401938	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302372926	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302270488	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302408761	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302326610	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302368611	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302404436	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302368610	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302406390	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302326607	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302490740	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302324801	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302324798	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302334891	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302473061	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302338182	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302371095	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302336596	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302337308	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302371094	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302338176	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302356747	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302356745	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302366982	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302486645	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302366977	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302366976	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302366975	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302368609	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302369340	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302371090	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302371089	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302371087	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302371084	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302372062	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302372061	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302372059	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302372919	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302372913	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302372912	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302388325	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302392704	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302388324	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302388323	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302391329	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302391327	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302410423	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302394125	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302392702	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302490739	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302393561	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302394123	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302394119	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302394708	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302400064	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302400063	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302460761	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302462880	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302401366	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302410422	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302404433	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302413549	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302404431	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302473058	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302408744	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302459169	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302410519	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302477431	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302413517	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302423617	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302459167	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302456523	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302459164	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302459163	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302470429	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302464894	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302469359	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302473055	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Exempt
XXXX	302470425	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302470424	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Non-Compliant
XXXX	302477423	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant
XXXX	302486622	XXXX	XXXX	XXXX	QM Safe Harbor	ATR Compliant

EX-99.22

J.P. Morgan Mortgage Trust 2021-6 ABS-15G

Exhibit 99.22

	Deloitte & Touche LLP Suite 400 Harborside Plaza 10 Jersey City, NJ 07311 USA
J.P. Morgan Acceptance Corporation II 383 Madison Avenue, 8th Floor New York, New York 10179	Tel: +1 212 937 8200 Fax: +1 212 937 8298 www.deloitte.com

Independent Accountants’ Report

on Applying Agreed-Upon Procedures

We have performed the procedures described below, which were agreed to by J.P. Morgan Acceptance Corporation II (the “Company”) and J.P. Morgan Securities LLC (together with the Company, the “Specified Parties”) related to their evaluation of certain information with respect to a portfolio of mortgage loans in connection with the proposed offering of J.P. Morgan Mortgage Trust 2021-6, Mortgage Pass-Through Certificates, Series 2021-6 (the “Transaction”).

The information set forth on the Statistical Loan File (as defined below) is the responsibility of the Company. The sufficiency of these procedures is solely the responsibility of the Specified Parties of this report. Consequently, we make no representations regarding the sufficiency of the procedures described below either for the purpose for which this report has been requested or for any other purpose.

Agreed-Upon Procedures

On March 31, 2021, representatives of the Company provided us with a mortgage loan listing with respect to 1,801 mortgage loans (the “Mortgage Loan Listing”). At your instruction, we randomly selected 365 mortgage loans from the Mortgage Loan Listing (the “Selected Loans”).

Further, on April 8, 2021, representatives of the Company provided us with a computer generated mortgage loan data file and related record layout containing data with respect to 1,697 mortgage loans, including 345 of the Selected Loans (the “Statistical Loan File”). The remaining 345 Selected Loans are hereinafter referred to as the “Sample Loans.”

At your instruction, we performed certain comparisons and recomputations for each of the Sample Loans relating to the mortgage loan characteristics (the “Characteristics”) set forth on the Statistical Loan File and indicated below.

Characteristics

1.Loan number (for control purposes only) 2.Origination date 3.Loan type (fixed or adjustable) 4.Balloon indicator (yes/no) 5.Original principal balance 6.Interest rate 7.Monthly P&I payment* 8.First payment date 9.Original term to maturity 10.Property city 11.Property state 12.Property zip code 13.Prepayment penalty term (if applicable) 14.Interest only term (if applicable) 15.Occupancy status 16.Self-employment flag 17.Property type 18.Appraisal report date 19.Appraised value 20.Loan purpose 21.Sales price (if applicable) 22.Borrower Score 23.Co-Borrower Score (if applicable) 24.Current qualifying credit score 25.Lien position 26.Junior lien balance (if applicable) 27.Original loan-to-value ratio 28.Combined loan-to-value ratio 29.Modification indicator (yes or no) 30.Modification date**

* For non-interest only loans only

** For Sample Loans that are modified loans and not a Recast Loan (as defined below) only

 

Member of

Deloitte Touche Tohmatsu Limited

We compared Characteristic 2. to the corresponding information set forth on or derived from the respective Fixed Rate Note (the “Note”); Characteristics 3. through 12. to the Note, “Automatic Loan Payment Agreement” (if applicable) or the “Modification Agreement” (if applicable); Characteristic 13. to the Note or Prepayment Penalty Rider (collectively, the “Prepayment Penalty Rider”); Characteristic 14. to the Note or Interest Only Addendum (collectively, the “Interest Only Addendum”); Characteristics 15. and 16. to the Residential Loan Application or Uniform Underwriting and Transmittal Summary (collectively, the “Application”); Characteristics 17. through 19. to the Uniform Residential Appraisal Report (the “Appraisal Report”); Characteristic 20. (for those Sample Loans for which the “loan purpose” field appearing on the Statistical Loan File indicated a “Purchase” or “Construction to Permanent”) to the Application and Settlement Statement or Closing Disclosure (collectively, the “Settlement Statement”); Characteristic 21. (for those Sample Loans for which the “loan purpose” field appearing on the Statistical Loan File, indicated a “Purchase”) to the Settlement Statement; Characteristics 22. and 23. to the “Credit Report”; Characteristic 24. to a query provided to us by the Company on April 8, 2021 (the “Current Qualifying Credit Score Query”); Characteristics 25. and 26. to the Junior Lien Note, Settlement Statement, Uniform Underwriting and Transmittal Summary, Subordination Agreement, Title Report or Loan Approval Summary (collectively, the “Lien Summary”); and Characteristics 29. and 30. to the corresponding information set forth on or derived from the Modification Agreement.

Further, with respect to Characteristic 20., for those Sample Loans for which the “loan purpose” field appearing on the Statistical Loan File indicated a “Cash Out” or “Rate/Term Refinance” we (i) observed that there is no “sales price” indicated on the Settlement Statement and (ii) recalculated the “Amount to the Borrower” as the difference between (a) the original principal balance (as set forth on the Note) and (b) the sum of (1) the unpaid principal balance of the refinanced first mortgage loan, (2) the unpaid principal balance of any “secondary financing” relating to the subject property and (3) settlement charges relating to the subject mortgage loan (each as set forth on the Settlement Statement). At the Company’s instruction, we assumed that the loan purpose is (a) a “Cash Out” if the Amount to the Borrower was greater than the lesser of (i) $2,000 or (ii) 2% of the original principal balance (as set forth on the Note) and (b) a “Rate/Term Refinance” to the extent that it was not.

With respect to Characteristic 27., we recomputed the original loan-to-value ratio by dividing (a) the original principal balance (as set forth on the Note) by either (b) in the case of a “Purchase” (as determined from the Application and Settlement Statement), the lesser of (i) the appraised value (as set forth on or derived from the Appraisal Report) and (ii) sales price (as set forth on the Settlement Statement) or (c) in the case of a “Rate/Term refinance,” “Cash Out” or “Construction to Permanent” (as determined above or from the Application and Settlement Statement), the appraised value (as set forth on or derived from the Appraisal Report).

With respect to Characteristic 28., we recomputed the combined loan-to-value ratio by dividing (a) the sum of (i) the original principal balance (as set forth on the Note) and (ii) the senior or junior lien balance, if any, (as set forth on the Lien Summary) by either (b) in the case of a “Purchase” (as determined from the Application and Settlement Statement ), the lesser of (x) the appraised value (as set forth on or derived from the Appraisal Report) and (y) the sales price (as set forth on the Settlement Statement) or (c) in the case of a “Rate/Term refinance,” “Cash Out” or “Construction to Permanent” (as determined above or from the Application and Settlement Statement), the appraised value (as set forth on or derived from the Appraisal Report).

At your instruction, for purposes of such comparisons:

● with respect to Characteristic 2., differences of thirty days or less are deemed to be “in agreement;”

● with respect to Characteristic 7., differences of $0.01 or less are deemed to be “in agreement;”

● with respect to Characteristic 17., a property type indicated on the Statistical Loan File, as “Condo, High Rise (5+ stories)” or “Condo, Low Rise (4 or fewer stories)” and “Condominium” (as indicated on the Appraisal Report) are deemed to be “in agreement;”

● with respect to Characteristic 17., a “planned unit development” property with HOA fees of less than $100 a month (as set forth on the Appraisal Report) is deemed to be “in agreement” with a “single family detached (non-PUD)” property (as set forth on Statistical Loan File);

● with respect to Characteristics 17., 18. and 19. and for the recalculations of Characteristics 27. and 28., for those Sample Loans for which the Company provided us with two or more Appraisal Reports we were instructed by the Company to use the most recently dated Appraisal Report or, to the extent that each such Appraisal Report indicated an appraisal report date within 12 months of the origination date (as set forth on the Note), we were instructed by the Company to use the Appraisal Report with the lowest appraised value;

● with respect to Characteristic 19. and for recalculations of Characteristics 27. and 28., for those Sample Loans for which the Company provided us with an Appraisal Report with a prior purchase date (as set forth on the Appraisal Report) within six months of the origination date (as set forth on the Note), we were instructed to use the lesser of (a) the appraised value (as set forth on the Appraisal Report) or (b) the prior sales price (as set forth on the Appraisal Report);

● with respect to Characteristics 22. and 23., if three scores were observed on the Credit Report, we used the median score or, if two scores were observed on the Credit Report, we used the lower score;

● with respect to our comparison of Characteristic 26., differences of $100 or less are deemed to be “in agreement;”

● with respect to Characteristic 27., differences of 1.000% or less are deemed to be “in agreement,” except to the extent that the Statistical Loan File identified an original loan-to-value ratio less than or equal to 80% and our recomputed original loan-to-value ratio was greater than 80%;

● with respect to Characteristic 28., differences of 1.000% or less are deemed to be “in agreement,” except to the extent that the Statistical Loan File identified a combined loan-to-value ratio less than or equal to 100% and our recomputed combined loan-to-value ratio was greater than 100%;

● with respect to Characteristic 29., for those Sample Loans where we observed the existence of a Modification Agreement, we compared a modification indicator of (i) “no” to the corresponding information set forth on the Statistical Loan File, if the respective Modification Agreement indicates (a) a modification that reduces the monthly P&I payment of such Sample Loan and (b) the interest rate and “maturity date” set forth on the Modification Agreement is in agreement with the Note  (a “Recast Loan”) and (ii) “yes” to the corresponding information set forth on the Statistical Loan File, if such Sample Loan is not a Recast Loan; and

● with respect to Characteristic 30., differences of one day are deemed to be “in agreement.”

The loan documents described above and any other related documents used in support of the Characteristics were provided to us by representatives of the Company and are collectively referred to hereinafter as the “Loan Documents.” We were not requested to perform and we did not perform any procedures with respect to the preparation or verification of any of the information set forth on the Loan Documents and make no representations concerning the accuracy or completeness of any of the information contained therein. In certain instances, our procedures were performed using data imaged facsimiles or photocopies of the Loan Documents. In addition, we make no representations as to whether the Loan Documents are comprehensive or valid instruments and reflect the current prevailing terms with respect to the corresponding Sample Loans.

Agreed-Upon Procedures’ Findings

The results of the foregoing procedures indicated that the Characteristics set forth on the Statistical Loan File were found to be in agreement with the above mentioned Loan Documents, except as described in Appendix A. Supplemental information is contained on Appendix B.

******

We make no representations as to the (i) actual characteristics or existence of the underlying documents or data comprising the mortgage loans underlying the Statistical Loan File or the conformity of their characteristics with those assumed for purposes of the procedures described herein, (ii) existence or ownership of the mortgage loans or (iii) reasonableness of any of the aforementioned information, assumptions or methodologies.

It should be understood that we make no representations as to questions of legal interpretation or as to the sufficiency for your purposes of the procedures enumerated in the preceding paragraphs. Also, such procedures would not necessarily reveal any material misstatement of the information referred to above. We have no responsibility to update this report for events or circumstances occurring after the date of this report.

This agreed-upon procedures engagement was conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants. We were not engaged to conduct, and did not conduct, an (i) audit conducted in accordance with generally accepted auditing standards or (ii) examination or a review conducted in accordance with attestation standards established by the American Institute of Certified Public Accountants, the objective of which would be the expression of an opinion or conclusion, respectively, on the accompanying information. Accordingly, we do not express such an opinion or conclusion, or any other form of assurance, including reasonable assurance. Had we performed additional procedures, other matters might have come to our attention that would have been reported to you.

None of the engagement, procedures or report was intended to address, nor did they address, the (i) conformity of the origination of the assets to stated underwriting or credit extension guidelines, standards, criteria or other requirements, (ii) value of collateral securing such assets or (iii) compliance of the originator of the assets with federal, state, and local laws and regulations. None of the engagement, procedures or report were intended to satisfy, nor did they satisfy, any criteria for due diligence published by a nationally recognized statistical rating organization.

This report is intended solely for the information and use of the Specified Parties identified above and is not intended to be and should not be used by anyone other than these Specified Parties.

Yours truly,

/s/ Deloitte & Touche LLP

April 19, 2021

Appendix A to Independent Accountants’ Report on Applying Agreed-Upon Procedures issued by Deloitte & Touche LLP dated April 19, 2021.

In applying our agreed-upon procedures as outlined above, we observed the following:

Exception Description Number	Exception Description
1	One difference for monthly P&I payment.
2	One difference for appraisal report date.
3	Two differences for loan purpose.
4	One difference for Borrower Score.
5	Four differences for Co-Borrower Score.
6	One difference for junior lien balance.

The information above reflects the procedures performed and is subject to the conditions set forth in the agreed-upon procedures report to which this appendix is attached. 

Appendix B to Independent Accountants’ Report on Applying Agreed-Upon Procedures issued by Deloitte & Touche LLP dated April 19, 2021 (Redacted)

Supplemental Information Related to the Findings Set Forth on Appendix A

Exception Description Number	Sample Loan Number	Characteristic	Characteristic set forth on the Statistical Loan File	Characteristic set forth on or derived from the Loan Documents
1	302228173	Monthly P&I payment	[REDACTED]	[REDACTED]
2	302274606	Appraisal report date	[REDACTED]	[REDACTED]
3	302290323	Loan purpose	Cash Out	Rate/Term refinance
3	302369100	Loan purpose	Rate/Term refinance	Cash Out
4	302280931	Borrower Score	805	798
5	302250023	Co-Borrower Score	772	742
5	302280931	Co-Borrower Score	798	805
5	302306392	Co-Borrower Score	787	783
5	302493506	Co-Borrower Score	777	773
6	302260929	Junior lien balance	[REDACTED]	[REDACTED]

The information above reflects the procedures performed and is subject to the conditions set forth in the agreed-upon procedures report to which this appendix is attached.