EX-99.3 4 ex99-3.htm AMC EXCEPTION REPORT

 

J.P. Morgan Mortgage Trust 2022-1 ABS-15G

 

Exhibit 99.3

 

 

Customer Loan ID Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory 15E Category Exception Exception Detail Exception Information Compensating Factors Compensating Factor Information Applying Party Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Exception Remediation Overall
Initial Loan Grade		 Overall
Final Loan Grade		 Credit
Initial Loan Grade		 Credit
Final Loan Grade		 Compliance
Initial Loan Grade		 Compliance
Final Loan Grade		 Property
Initial Loan Grade		 Property
Final Loan Grade		 Originator QM ATR Status TPR QM ATR Status Is Curable
302276560 19594827   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 02/04/2021 1 A FL Primary Purchase   C B C B A A A A Safe Harbor QM Safe Harbor QM No
302276560 19597667   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. xxxx The representative FICO score is above 680.

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 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.		 806 FICO score Owner

Owner

Owner

Owner

Owner

Owner,Aggregator		 xxxx
 08/19/2021 2 B FL Primary Purchase   C B C B A A A A Safe Harbor QM Safe Harbor QM No
302494193 20474068   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 05/13/2021 1 A DC Second Home Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302494193 20482956   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 05/13/2021 1 A DC Second Home Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302494193 20483627   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 05/13/2021 1 A DC Second Home Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302494193 20483664   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 05/13/2021 1 A DC Second Home Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302494193 20483698   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 05/13/2021 1 A DC Second Home Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302494193 20483710   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 05/13/2021 1 A DC Second Home Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
302494193 20485409   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 05/10/2021 1 A DC Second Home Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302494193 20485487   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 05/13/2021 1 A DC Second Home Purchase No Defined Cure C A C A C A A A Safe Harbor QM Safe Harbor QM No
301558175 16228784   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 02/21/2020 1 A CA Primary Refinance - Rate/Term   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
301558175 16230167   Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003             2 B CA Primary Refinance - Rate/Term   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
301558175 16264392   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 02/22/2020 1 A CA Primary Refinance - Rate/Term   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
301558175 16264443   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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. xxxx         2 B CA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
301558175 16264522   Credit Income / Employment Income Documentation Income / Employment Employment Error: Employment start date not provided.   xxxx         2 B CA Primary Refinance - Rate/Term   C B C B B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
301558280 16230457   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 02/21/2020 1 A VA Primary Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
301558280 16240478   Compliance Compliance Federal Compliance TILA Federal LO Compensation Dual Compensation Dodd Frank Loan Originator Compensation: Dual compensation received from both a consumer and person other than consumer.         xxxx
 02/21/2020 1 A VA Primary Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
301558280 16241041   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-7,335.98  is less than amount of binding Lender Credit previously disclosed in the amount of $-9,526.00. xxxx       xxxx
 02/22/2020 1 A VA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
301558280 16294431   Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Mortgage Statement(s) not provided   xxxx       xxxx
 03/05/2020 1 A VA Primary Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
301630026 16586298   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 03/10/2020 1 A CA Primary Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302226639 20768523   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 03/04/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
302456517 20439230   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 05/12/2021 1 A NJ Second Home Refinance - Rate/Term   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302456517 20440023   Compliance Compliance Federal Compliance TRID Defect 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 1,800.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 05/28/2021 2 B NJ Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302456517 20440123   Compliance Compliance Federal Compliance TRID 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 $945.00 exceeds tolerance of $775.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 03/31/2021 1 A NJ Second Home Refinance - Rate/Term Final CD evidences Cure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302456517 20440124   Compliance Compliance Federal Compliance TRID 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 $60.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 03/31/2021 1 A NJ Second Home Refinance - Rate/Term Final CD evidences Cure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302477593 20304322   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 04/26/2021 1 A TX Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM No
302477593 20304811   Compliance Compliance Federal Compliance TRID 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 $500.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 03/22/2021 1 A TX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM Safe Harbor QM Yes
302477593 20304812   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee.  Fee Amount of $150.00 exceeds tolerance of $125.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 03/22/2021 1 A TX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM Safe Harbor QM Yes
302495979 21796257   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___
___
___
___		         xxxx
 09/28/2021 1 A OR Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302495979 21797370   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/16/2021 2 B OR Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
302508015 21357218   Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003           xxxx
 07/22/2021 1 A GA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302508015 21357310   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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         xxxx
 07/22/2021 1 A GA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302508015 21357313   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $485.00 exceeds tolerance of $135.00 plus 10% or $148.50.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 08/26/2021 1 A GA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
302508015 22589663   Compliance Compliance Federal Compliance TRID Defect 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 $410.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/28/2021 2 B GA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
302526556 20513495   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. xxxx       xxxx
 07/23/2021 1 A CO Primary Refinance - Rate/Term   C A A A C A A A Safe Harbor QM Safe Harbor QM No
302526556 20513496   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 07/23/2021 1 A CO Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
302526556 20513498   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 05/10/2021 1 A CO Primary Refinance - Rate/Term No Defined Cure C A A A C A A A Safe Harbor QM Safe Harbor QM No
302526671 20857232   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 06/29/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302526671 20857233   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 06/29/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302526671 20857236   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 06/29/2021 1 A FL Second Home Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
302526671 20857237   Compliance Compliance Federal Compliance TRID Defect 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 11,280.36 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 06/29/2021 1 A FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
302526671 20857238   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 05/26/2021 1 A FL Second Home Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
302526671 20857247   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Total Minimum Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. xxxx       xxxx
 06/17/2021 2 B FL Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
302526671 20857250   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___         xxxx
 06/29/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302526671 20857280   Credit Guideline Guideline Issue Guideline Aged document: Asset Account date is more than 90 days prior to Closing. - xxxx       xxxx
 06/29/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302526671 21630789   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   xxxx       xxxx
 07/20/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302533053 21319686   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___         xxxx
 07/11/2021 1 A CA Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302533053 21319734   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/29/2021 1 A CA Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302533053 21319736   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C B C B A A Safe Harbor QM Safe Harbor QM (APOR) Yes
302533053 21377120   Credit Asset Asset Calculation / Analysis Asset Guideline Requirement: Available for Reserves discrepancy. Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___.         xxxx
 07/11/2021 1 A CA Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302533053 21377493   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 07/11/2021 1 A CA Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302533053 22571457   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.     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'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.		 Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 08.24.2021 Owner

Owner

Owner

Owner

Owner

Owner

Owner

Aggregator		 xxxx
 09/16/2021 2 B CA Primary Refinance - Rate/Term   C B C B C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302533053 23894308   Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). xxxx         2 B CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C B C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302550368 20510345   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing:  Employer Letter, Paystub, Bank Statement within 10 days before note date or prior to disbursement date. - xxxx       xxxx
 05/18/2021 1 A WA Primary Refinance - Rate/Term   C B C A A A C B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302550368 20510941   Credit Guideline Guideline Issue Guideline Employment was not verified within 10 days of the note date. - xxxx       xxxx
 05/06/2021 1 A WA Primary Refinance - Rate/Term   C B C A A A C B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302550368 20559174   Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - xxxx       xxxx
 05/18/2021 1 A WA Primary Refinance - Rate/Term   C B C A A A C B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302550368 20704028   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Highest level secondary valuation does not support the qualifying value.; Sec ID: 33   xxxx       xxxx
 08/06/2021 1 A WA Primary Refinance - Rate/Term   C B C A A A C B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302550368 20973550   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 06/04/2021 1 A WA Primary Refinance - Rate/Term   C B C A A A C B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302550368 23055482   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver.  Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 43 Note Date:  ___; Lien Position: ___ xxxx         2 B WA Primary Refinance - Rate/Term   C B C A A A C B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302550368 23071421   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys =B). Sec ID: 89 Lien Position: ___           2 B WA Primary Refinance - Rate/Term   C B C A A A C B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302566285 20943988   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 07/16/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
302566285 20943989   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%).         xxxx
 07/16/2021 1 A CA Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302566285 20944035   Compliance Compliance Federal Compliance TRID Defect 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 $17,399.55 exceeds tolerance of $6,631.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 07/16/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
302566287 21062464   Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   xxxx       xxxx
 06/12/2021 1 A CA Primary Refinance - Rate/Term   D A C A C A D A Safe Harbor QM Safe Harbor QM (43-Q) No
302566287 21062573   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 06/12/2021 1 A CA Primary Refinance - Rate/Term   D A C A C A D A Safe Harbor QM Safe Harbor QM (43-Q) No
302566287 21062618   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. xxxx       xxxx
 11/04/2021 1 A CA Primary Refinance - Rate/Term   D A C A C A D A Safe Harbor QM Safe Harbor QM (43-Q) No
302566287 21062619   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/04/2021 1 A CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status D A C A C A D A Safe Harbor QM Safe Harbor QM (43-Q) Yes
302566287 21062620   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 06/28/2021 1 A CA Primary Refinance - Rate/Term No Defined Cure D A C A C A D A Safe Harbor QM Safe Harbor QM (43-Q) No
302566566 20905533   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 09/22/2021 1 A NJ Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302566566 20906420   Credit Guideline Guideline Issue Guideline Employment was not verified within 10 days of the note date. -         xxxx
 06/22/2021 1 A NJ Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302566566 20906756   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing:  Employer Letter, Paystub, Bank Statement within 10 days before note date or prior to disbursement date. -         xxxx
 06/22/2021 1 A NJ Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302566566 20984228   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 06/09/2021 1 A NJ Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302584314 24319557   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/19/2021 1 A NC Second Home Purchase   B A B A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302584314 24319559   Compliance Compliance Federal Compliance RESPA 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. xxxx       xxxx
 10/27/2021 1 A NC Second Home Purchase   B A B A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302584314 24319560   Compliance Compliance Federal Compliance TRID 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 $600.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/15/2021 1 A NC Second Home Purchase Final CD evidences Cure B A B A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302603405 21487542   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 07/12/2021 1 A NY Primary Refinance - Cash-out - Debt Consolidation   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302603405 21547601   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/30/2021 1 A NY Primary Refinance - Cash-out - Debt Consolidation   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302603405 21547602   Compliance Compliance Federal Compliance ATR/QM Defect 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 Safe Harbor QM. xxxx       xxxx
 11/30/2021 1 A NY Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302603405 21547607   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit AUS Findings: Refinance purpose discrepancy.   xxxx       xxxx
 07/12/2021 1 A NY Primary Refinance - Cash-out - Debt Consolidation   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302603405 21547608   Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - xxxx       xxxx
 11/30/2021 1 A NY Primary Refinance - Cash-out - Debt Consolidation   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302603405 23896783   Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) 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. xxxx         2 B NY Primary Refinance - Cash-out - Debt Consolidation   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302603405 23896784   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 12/06/2021 1 A NY Primary Refinance - Cash-out - Debt Consolidation   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302603440 21485400   Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003   xxxx       xxxx
 07/08/2021 1 A DC Primary Refinance - Cash-out - Other   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302603440 21512739   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         xxxx
 07/08/2021 1 A DC Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302603440 21512752   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/15/2021 1 A DC Primary Refinance - Cash-out - Other No Defined Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302603440 21512753   Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. xxxx       xxxx
 10/15/2021 1 A DC Primary Refinance - Cash-out - Other No Defined Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302603440 21512754   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,145.00 exceeds tolerance of $475.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 07/16/2021 1 A DC Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302603440 21512814   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 08/30/2021 1 A DC Primary Refinance - Cash-out - Other   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302603440 21740866   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 11/12/2021 1 A DC Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302603440 21740867   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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). xxxx       xxxx
 12/07/2021 1 A DC Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302616032 21801764   Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.           xxxx
 09/16/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302616032 21802240   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 07/28/2021 1 A WA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302616032 22934108   Credit Loan Package Documentation Closing / Title Loan Package Documentation Title Error: Legal description does not concur with deed   xxxx       xxxx
 11/19/2021 1 A WA Primary Refinance - Cash-out - Other New Deed requested C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302616101 21397686   Compliance Compliance Federal Compliance TRID Defect 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 $8,730.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 07/15/2021 1 A CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302616437 21172826   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/14/2021 1 A CA Primary Purchase No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302616437 23197087   Compliance Compliance Federal Compliance TRID 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.         xxxx
 10/11/2021 1 A CA Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302624047 21114987   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___         xxxx
 07/10/2021 1 A CA Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302624047 21115301   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. xxxx       xxxx
 07/10/2021 1 A CA Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302624047 21223398   Compliance Compliance Federal Compliance TRID Defect TRID Closing Disclosure Issue Date Not Provided TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xx/xx/xxxx did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. xxxx       xxxx
 07/10/2021 1 A CA Primary Purchase Good Faith Redisclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302624047 21223400   Compliance Compliance Federal Compliance TRID Defect 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 180.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 07/10/2021 1 A CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302624047 21223402   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 07/10/2021 1 A CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302624047 21223476   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the escrow payment for payment stream 1. xxxx       xxxx
 07/10/2021 1 A CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302624047 21223477   Compliance Compliance Federal Compliance TRID Defect 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 22,247.16 on Final Closing Disclosure provided on xx/xx/xxxx not accurate.         xxxx
 07/01/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302624047 21223478   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 07/10/2021 1 A CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302625039 21387266   Credit Missing Document General Missing Document Incomplete Document: Closing Disclosure is incomplete   xxxx       xxxx
 10/11/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302625039 23083499   Compliance Compliance Federal Compliance TRID 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 $6,282.87 exceeds tolerance of $4,660.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/01/2021 1 A AZ Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302625039 23083503   Compliance Compliance Federal Compliance TRID 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 $65.90 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/01/2021 1 A AZ Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302625039 23083511   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. xxxx       xxxx
 10/04/2021 1 A AZ Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302625039 23086786   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.           xxxx
 10/11/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302626506 20805789   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Missing Document: Note - Subordinate Lien not provided           xxxx
 11/30/2021 1 A MD Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302626506 20805796   Credit Credit Credit Documentation Credit Missing Document: Subordination Agreement not provided           xxxx
 07/20/2021 1 A MD Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302627432 20969087   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 06/17/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302627432 20970823   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-7,393.11  is less than amount of binding Lender Credit previously disclosed in the amount of $-8,051.00. xxxx       xxxx
 06/17/2021 1 A CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302627432 21013107   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 06/17/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302627432 21013308   Compliance Compliance Federal Compliance TRID Defect 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 16,023.24 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/13/2021 1 A CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302631802 23197110   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Wages General QM:  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. xxxx       xxxx
 10/18/2021 1 A WA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302631802 23197111   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 10/18/2021 1 A WA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302631802 23197113   Compliance Compliance Federal Compliance TRID 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 $2,450.00 exceeds tolerance of $2,150.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/11/2021 1 A WA Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302631802 23197114   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 10/18/2021 1 A WA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302631802 23197116   Compliance Compliance Federal Compliance TRID 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 $2,450.00 exceeds tolerance of $1,200.00.  Sufficient or excess cure was provided to the borrower. xxxx       xxxx
 10/11/2021 1 A WA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302631802 23209812   Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.   xxxx       xxxx
 10/18/2021 1 A WA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302631802 23210184   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 10/18/2021 1 A WA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302631847 21536287   Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003           xxxx
 07/27/2021 1 A CO Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302631847 21536540   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 07/27/2021 1 A CO Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302631847 21536574   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 08/20/2021 1 A CO Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302631847 21536904   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 07/27/2021 1 A CO Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302631847 21536905   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Wages General QM:  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. xxxx       xxxx
 07/27/2021 1 A CO Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302631847 21536909   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. xxxx       xxxx
 07/18/2021 1 A CO Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302631847 21644074   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 07/27/2021 1 A CO Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302631847 21644096   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 07/27/2021 1 A CO Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302638036 23035564   Compliance Compliance Federal Compliance TRID Defect 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 $850.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/18/2021 1 A FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302638036 23216285   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B FL Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302640480 21797722   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 09/14/2021 1 A FL Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302640480 22177559   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 08/20/2021 1 A FL Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302640480 22264694   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $11,519.00 exceeds tolerance of $2,446.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 08/20/2021 1 A FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302643118 23196920   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/14/2021 1 A CA Second Home Refinance - Rate/Term No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302643118 23201473   Compliance Compliance Federal Compliance TRID Defect 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 $4,934.87 exceeds tolerance of $4,908.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/19/2021 1 A CA Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302643118 23201474   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $610.00 exceeds tolerance of $460.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/18/2021 1 A CA Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302643118 23201475   Compliance Compliance Federal Compliance TRID Defect 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 $44.00 exceeds tolerance of $35.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/18/2021 1 A CA Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302644052 21373568   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Principal and Interest TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Principal and Interest Payment that does not match the actual payment for the loan. xxxx       xxxx
 07/12/2021 1 A CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302644052 21373569   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. xxxx       xxxx
 07/12/2021 1 A CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302644052 21373571   Compliance Compliance Federal Compliance TRID Defect 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 $10,000.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 07/07/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302644052 21373572   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. xxxx       xxxx
 07/12/2021 1 A CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302644052 21373674   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 07/12/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302644052 21373721   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. -         xxxx
 07/12/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302644052 21373767   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing:  Employer Letter, Paystub, Bank Statement within 10 days before note date or prior to disbursement date. - xxxx       xxxx
 07/12/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302644052 21712232   Compliance Compliance Federal Compliance TRID 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 $600.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 07/07/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302644052 21712233   Compliance Compliance Federal Compliance TRID 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 $59.50 exceeds tolerance of $40.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 07/07/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302644147 21056221   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 06/16/2021 1 A CA Primary Purchase   D B A A C B D A Safe Harbor QM Safe Harbor QM (43-Q) No
302644147 21056802   Compliance Compliance Federal Compliance TRID Defect 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 19,018.56 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 07/20/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B A A C B D A Safe Harbor QM Safe Harbor QM (43-Q) Yes
302659783 23183497   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) 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.  Rescission Notice provided on an exempt transaction (no new money being extended on a same lender refinance).         xxxx
 10/08/2021 1 A CA Primary Refinance - Rate/Term   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302663736 23199471   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $630.00 exceeds tolerance of $550.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/18/2021 1 A FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302663736 23199472   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee.  Fee Amount of $217.35 exceeds tolerance of $1.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/25/2021 2 B FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302663736 23202310   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B FL Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302673685 22860022   Compliance Compliance Federal Compliance ATR/QM Defect Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). xxxx       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302673685 22860023   Compliance Compliance Federal Compliance ATR/QM Defect Self Employed YTD Unable to determine compliance with Self Employed income requirements due to missing information. xxxx       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302673685 22860024   Compliance Compliance Federal Compliance ATR/QM 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 xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302673685 22860025   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302673685 22860026   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
302673685 22860131   Credit Insurance Insurance Analysis Insurance Insurance address does not match Note address.   xxxx       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302673685 22860232   Credit System General Appraisal Reconciliation Valuation address does not match Note address. - xxxx       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302673685 22860245   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 09/28/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302673685 22880750   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302673685 22880751   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302673685 22880752   Compliance Compliance Federal Compliance ATR/QM Defect Self Employed YTD Unable to determine compliance with Self Employed income requirements due to missing information. xxxx       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302673685 22880753   Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). xxxx       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302673685 22880754   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302673685 22880755   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 09/21/2021 1 A NY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302676872 21221835   Property Property - Appraisal Appraisal Data Integrity Property - Appraisal Appraiser's license or certification was not active at the time of the appraisal. - xxxx       xxxx
 07/05/2021 1 A NV Primary Refinance - Rate/Term   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302676872 21223070   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 07/02/2021 1 A NV Primary Refinance - Rate/Term   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302676872 21223072   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. xxxx       xxxx
 06/26/2021 1 A NV Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302676872 21366423   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 06/26/2021 1 A NV Primary Refinance - Rate/Term   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302676872 21596570   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Right of Rescission Timing - Receipt Date Missing Missing Final Closing Disclosure Received Date. Unable to determine compliance with rescission timing requirements. xxxx       xxxx
 07/02/2021 1 A NV Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302676872 21671718   Compliance Compliance Federal Compliance TRID 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 $25.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 07/02/2021 1 A NV Primary Refinance - Rate/Term   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302676872 21675060   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Principal and Interest TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Principal and Interest Payment that does not match the actual payment for the loan. xxxx       xxxx
 08/05/2021 1 A NV Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302676872 21675061   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. xxxx       xxxx
 08/05/2021 1 A NV Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302676872 22145242   Compliance Compliance Federal Compliance TRID 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 $25.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 08/05/2021 1 A NV Primary Refinance - Rate/Term Final CD evidences Cure C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302676947 20855349   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           xxxx
 05/28/2021 1 A CO Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302676947 20855369   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ xxxx       xxxx
 11/30/2021 1 A CO Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302676947 20855388   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/30/2021 1 A CO Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302676947 20856437   Compliance Compliance Federal Compliance TRID Defect 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 $625.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 06/11/2021 1 A CO Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302676947 20856438   Compliance Compliance Federal Compliance TRID Defect 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 $46.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 06/11/2021 1 A CO Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302676947 21528652   Compliance Compliance Federal Compliance TRID 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 $625.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 06/24/2021 1 A CO Primary Refinance - Rate/Term Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302676947 21528653   Compliance Compliance Federal Compliance TRID 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 $46.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 06/24/2021 1 A CO Primary Refinance - Rate/Term Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302689918 21891022   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/20/2021 1 A CA Primary Refinance - Rate/Term   D B C A A B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302689918 21891033   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 12/10/2021 1 A CA Primary Refinance - Rate/Term   D B C A A B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302689918 23953219   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/10/2021 1 A CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status D B C A A B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302689918 23953221   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - S-Corp General QM: Unable to verify S-Corp income using reasonably reliable third-party records. xxxx       xxxx
 12/10/2021 1 A CA Primary Refinance - Rate/Term   D B C A A B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302689918 24054756   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CA Primary Refinance - Rate/Term   D B C A A B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302689918 24429144   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CA Primary Refinance - Rate/Term   D B C A A B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302698136 23083660   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $240.00 exceeds tolerance of $175.00 plus 10% or $192.50.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/01/2021 1 A MD Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302703231 21547290   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Missing Document: Note - Subordinate Lien not provided   xxxx       xxxx
 12/06/2021 1 A MD Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302704570 21782129   Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   xxxx       xxxx
 08/20/2021 1 A CA Primary Purchase   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302704570 21782168   Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - PUD not provided   xxxx       xxxx
 08/20/2021 1 A CA Primary Purchase   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302704570 21784870   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 08/06/2021 1 A CA Primary Purchase   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302704570 21785055   Compliance Compliance Federal Compliance TRID Defect 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.         xxxx
 08/25/2021 1 A CA Primary Purchase   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302704570 22567711   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Principal and Interest TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on xx/xx/xxxx disclosed a Principal and Interest Payment that does not match the actual payment for the loan. xxxx       xxxx
 09/30/2021 1 A CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302704570 22567712   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial Payment TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual payment for the loan. xxxx       xxxx
 09/30/2021 1 A CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302704570 22567713   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 09/07/2021 1 A CA Primary Purchase No Defined Cure D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302704570 23254831   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided   xxxx       xxxx
 10/20/2021 1 A CA Primary Purchase   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302704666 23196687   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 10/18/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302704666 23196719   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 10/18/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302704666 23196735   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Wages General QM:  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. xxxx       xxxx
 10/18/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302704666 23196736   Compliance Compliance Federal Compliance TRID Defect 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 13,611.60 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/18/2021 1 A CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302704666 23196737   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided.         xxxx
 10/14/2021 1 A CA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302704666 23196741   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 10/18/2021 1 A CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302707317 23770880   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $315.00 exceeds tolerance of $225.00 plus 10% or $247.50.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/15/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302707317 23770953   Credit Credit Credit Documentation Guideline Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided   xxxx       xxxx
 11/17/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302708745 21092987   Credit Guideline Guideline Issue Guideline Aged document: Primary Valuation is older than guidelines permit -         xxxx
 07/05/2021 1 A NY Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302708745 21093242   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 07/05/2021 1 A NY Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302708745 21097315   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 11/24/2021 1 A NY Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302708745 21097316   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 10/20/2021 1 A NY Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302708745 21097318   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 10/20/2021 1 A NY Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302708745 21097319   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/24/2021 1 A NY Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
302708745 21097320   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%).         xxxx
 07/05/2021 1 A NY Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302708745 21097429   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 06/24/2021 1 A NY Primary Refinance - Cash-out - Other No Defined Cure C A C A C A A A Safe Harbor QM Safe Harbor QM No
302708745 21097430   Compliance Compliance Federal Compliance TRID Defect 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 $28,977.00 exceeds tolerance of $12,088.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 06/24/2021 1 A NY Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
302708745 21097463   Compliance Compliance Federal Compliance TRID Defect 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 $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 06/24/2021 1 A NY Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
302708745 21532944   Compliance Compliance Federal Compliance TRID 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.         xxxx
 06/24/2021 1 A NY Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
302708745 23068668   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 10/01/2021 1 A NY Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302746342 22121766   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 09/13/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302754579 22536111   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302754579 22612122   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 10/04/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302754579 23795068   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - S-Corp General QM: Unable to verify S-Corp income using reasonably reliable third-party records. xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302754579 23795425   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302754579 23855048   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302758928 21748232   Credit Property - Appraisal General Appraisal Requirements Property - Appraisal Subject is a refinance and property is listed for sale. - xxxx       xxxx
 08/20/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302758928 21748703   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 08/20/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302769138 21670218   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/18/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302769138 21670219   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/18/2021 1 A CA Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302769138 21670220   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 08/09/2021 1 A CA Primary Refinance - Cash-out - Other No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302771605 21936735   Compliance Compliance Federal Compliance ATR/QM Defect Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). xxxx       xxxx
 11/09/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 21937340   Compliance Compliance Federal Compliance ATR/QM 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 xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 11/02/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 21937406   Compliance Compliance Federal Compliance ATR/QM 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 xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 11/02/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 21937407   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/09/2021 1 A CO Second Home Refinance - Rate/Term Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
302771605 23583218   Compliance Compliance Federal Compliance ATR/QM Defect 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
 11/09/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 23583219   Compliance Compliance Federal Compliance ATR/QM Defect 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
 11/09/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 23583220   Compliance Compliance Federal Compliance ATR/QM Defect 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
 11/09/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 23583221   Compliance Compliance Federal Compliance ATR/QM Defect 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
 11/09/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 23583222   Compliance Compliance Federal Compliance ATR/QM Defect 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
 11/09/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 23583223   Compliance Compliance Federal Compliance ATR/QM Defect Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership).         xxxx
 11/09/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 23583252   Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Employment - K-1 Less 25% Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. xxxx       xxxx
 11/02/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 23583256   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/02/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 23583267   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/09/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 23583270   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 11/09/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 23586170   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/09/2021 1 A CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302771605 23695807   Compliance Compliance Federal Compliance ATR/QM 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 xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CO Second Home Refinance - Rate/Term   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
302774553 23437506   Credit Credit Credit Documentation Credit No evidence of fraud report in file -         xxxx
 07/30/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302774553 23437508   Compliance Compliance Federal Compliance TRID Defect 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 $9.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 07/23/2021 2 B FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
302774553 23437509   Compliance Compliance Federal Compliance TRID Defect 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 $20.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 08/18/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
302774553 23437511   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 09/14/2021 1 A FL Second Home Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
302774553 23437512   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 08/06/2021 1 A FL Second Home Purchase No Defined Cure C B C A C B A A Safe Harbor QM Safe Harbor QM No
302774553 23437513   Compliance Compliance Federal Compliance TRID Defect 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 26,304.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 07/26/2021 2 B FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
302774553 23437514   Compliance Compliance Federal Compliance Flood 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. xxxx       xxxx
 08/11/2021 2 B FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302774553 23437515   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. xxxx       xxxx
 09/01/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302774553 23437516   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 08/30/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302774553 23437517   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 08/30/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302774553 23437518   Compliance Compliance Federal Compliance ATR/QM Defect Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). xxxx       xxxx
 09/14/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302774553 23437519   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 08/30/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302774553 23437520   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 08/30/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302774553 23437521   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 07/30/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302774553 23437522   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 07/30/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM Safe Harbor QM No
302774655 22210538   Credit Asset Asset Calculation / Analysis Asset Guideline Requirement: Available for Reserves discrepancy.   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302782900 22293347   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 09/14/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302782900 22359058   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.         xxxx
 09/14/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302782900 22359063   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 09/13/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786265 23554089   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 11/12/2021 1 A NJ Second Home Refinance - Limited Cash-out GSE   D B C A B B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786265 23554107   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.           xxxx
 11/04/2021 1 A NJ Second Home Refinance - Limited Cash-out GSE   D B C A B B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786265 23554113   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           xxxx
 11/04/2021 1 A NJ Second Home Refinance - Limited Cash-out GSE   D B C A B B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786265 23554170   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B NJ Second Home Refinance - Limited Cash-out GSE   D B C A B B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786265 23568043   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/04/2021 1 A NJ Second Home Refinance - Limited Cash-out GSE   D B C A B B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786265 23760793   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B NJ Second Home Refinance - Limited Cash-out GSE   D B C A B B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786285 23638612   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B MD Second Home Refinance - Rate/Term   B B A A A A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786310 23634046   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B CA Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786310 23635463   Compliance Compliance Federal Compliance TRID 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 $51.68 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A CA Second Home Refinance - Rate/Term Final CD evidences Cure C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302786310 23638199   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/10/2021 1 A CA Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786356 23569837   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/04/2021 1 A CO Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786389 23571786   Compliance Compliance Federal Compliance TRID 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 $113.50 exceeds tolerance of $65.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/01/2021 1 A FL Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302786392 23642782   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A WA Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786392 23644752   Compliance Compliance Federal Compliance TRID 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 $1,675.00 exceeds tolerance of $1,200.00.  Sufficient or excess cure was provided to the borrower. xxxx       xxxx
 11/05/2021 1 A WA Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302786411 23657094   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B MO Second Home Refinance - Rate/Term   B B A A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786412 23568011   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/01/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302786412 23568517   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B CA Second Home Refinance - Cash-out - Other   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786424 23558855   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/04/2021 1 A LA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786424 23558947   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 11/04/2021 1 A LA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786424 23585814   Compliance Compliance Federal Compliance TRID 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 $56.80 exceeds tolerance of $48.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A LA Second Home Purchase Final CD evidences Cure D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302786424 23585821   Compliance Compliance Federal Compliance TRID 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 $42.95 exceeds tolerance of $25.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A LA Second Home Purchase Final CD evidences Cure D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302786528 23631500   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   xxxx       xxxx
 11/10/2021 1 A CA Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786528 23638170   Compliance Compliance Federal Compliance TRID 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 $805.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302786528 23638171   Compliance Compliance Federal Compliance TRID 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 $63.00 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302786560 23644618   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date.   xxxx       xxxx
 11/10/2021 1 A TX Second Home Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786560 23644679   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/09/2021 1 A TX Second Home Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786560 23649433   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/10/2021 1 A TX Second Home Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786560 23649578   Compliance Compliance Federal Compliance TRID 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 $127.53 exceeds tolerance of $125.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A TX Second Home Purchase Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302786578 23627058   Compliance Compliance Federal Compliance TRID Defect 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 660.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/10/2021 1 A NV Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302786578 23627637   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B NV Second Home Refinance - Rate/Term   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786578 23628306   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/11/2021 1 A NV Second Home Refinance - Rate/Term   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786591 23521231   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/04/2021 1 A GA Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786601 23629940   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___         xxxx
 11/23/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786601 23639816   Compliance Compliance Federal Compliance TRID 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 $78.00 exceeds tolerance of $75.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302786601 23640061   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/23/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786601 23658994   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786601 23658995   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786601 23658996   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786628 23643487   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. xxxx       xxxx
 11/16/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786628 23643685   Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003           xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786628 23646207   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786628 23648886   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786697 23620312   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786697 23620500   Credit AUS General AUS Investor Qualifying Debt Ratio is less than 0.00%. DTI: ___;
Total Income: ___		 xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786697 23620842   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786697 23622861   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided           xxxx
 11/08/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786697 23626547   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786697 23627181   Credit Income Document Error Income Tax Return end date is more than 90 days prior to note date.  P&L was not found in file.  (GSE COVID-19) - xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786724 23532684   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___;         xxxx
 11/09/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786742 23626985   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/10/2021 1 A MI Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786742 23627009   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/10/2021 1 A MI Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786742 23627029   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/10/2021 1 A MI Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786742 23627125   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A MI Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786742 23627911   Compliance Compliance Federal Compliance TRID 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 $480.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A MI Second Home Refinance - Cash-out - Other Final CD evidences Cure D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302786785 23633583   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/10/2021 1 A MI Second Home Purchase   D B A A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786785 23652086   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Signing Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/03/2021 2 B MI Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302786799 23631383   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B FL Second Home Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786822 23527146   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Cash-out - Other   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786857 23629415   Credit Credit Credit Documentation Missing Document  Missing Document: Credit Report not provided   xxxx       xxxx
 11/24/2021 1 A CA Second Home Refinance - Cash-out - Other   D A D A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786857 23630566   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/10/2021 1 A CA Second Home Refinance - Cash-out - Other   D A D A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786857 23631497   Credit Compliance Miscellaneous Compliance Compliance Borrower is not receiving cash back on a loan that was identified as Cash Out. -         xxxx
 11/16/2021 1 A CA Second Home Refinance - Cash-out - Other   D A D A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786978 23660536   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/11/2021 1 A ME Second Home Refinance - Cash-out - Debt Consolidation   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786991 23629916   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline AUS Findings: Loan to value discrepancy.   xxxx       xxxx
 11/30/2021 1 A HI Second Home Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302786995 23557929   Compliance Compliance Federal Compliance TRID 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 $600.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/01/2021 1 A FL Second Home Purchase Final CD evidences Cure D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302786995 23558034   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/03/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302786995 23558218   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787059 23628304   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/16/2021 1 A VA Second Home Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302787059 23628305   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%).         xxxx
 11/16/2021 1 A VA Second Home Refinance - Cash-out - Other   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787059 23682485   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of $8.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 11/08/2021 1 A VA Second Home Refinance - Cash-out - Other   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302787069 23514971   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/01/2021 1 A OR Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787069 23514987   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/01/2021 1 A OR Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787069 23515670   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___; xxxx       xxxx
 11/10/2021 1 A OR Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787069 23515857   Compliance Compliance Federal Compliance TRID 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 $735.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/28/2021 1 A OR Second Home Refinance - Rate/Term Final CD evidences Cure D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302787105 23632496   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/10/2021 1 A TX Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787105 23632508   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/10/2021 1 A TX Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787105 23632525   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/10/2021 1 A TX Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787105 23636140   Credit Income Document Error Income YTD P&L Statement was not signed and/or dated by Borrower.  (GSE COVID-19) - xxxx       xxxx
 11/12/2021 1 A TX Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787105 23636141   Credit Income Document Error Income YTD P&L Statement was not signed and/or dated by Borrower.  (GSE COVID-19) - xxxx       xxxx
 11/12/2021 1 A TX Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787105 23636214   Compliance Compliance Federal Compliance TRID 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 $57.89 exceeds tolerance of $39.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A TX Second Home Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302787127 23633376   Compliance Compliance Federal Compliance ATR/QM Defect 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 Safe Harbor QM. xxxx       xxxx
 11/29/2021 1 A FL Second Home Purchase Lender to provide updated ATR/QM status C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Safe Harbor QM Yes
302787127 23633598   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. xxxx       xxxx
 11/29/2021 1 A FL Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Safe Harbor QM No
302787136 23535615   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 11/02/2021 1 A CA Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787164 23514575   Compliance Compliance Federal Compliance TRID 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 $505.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A TN Second Home Refinance - Rate/Term Final CD evidences Cure D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302787164 23514576   Compliance Compliance Federal Compliance TRID 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 $63.50 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A TN Second Home Refinance - Rate/Term Final CD evidences Cure D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302787164 23514604   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A TN Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787164 23515047   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/01/2021 1 A TN Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787185 23525919   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/02/2021 1 A MA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787185 23526787   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/08/2021 1 A MA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787185 23544174   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/11/2021 1 A MA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787310 23621739   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 11/08/2021 1 A WA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787310 23627918   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/04/2021 1 A WA Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302787406 23556898   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A NY Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787406 23558000   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/08/2021 1 A NY Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787502 23536244   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 11/02/2021 1 A UT Second Home Refinance - Rate/Term   D B A A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787502 23539015   Compliance Compliance Federal Compliance TRID Defect 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 1,920.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/02/2021 1 A UT Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure D B A A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302787502 23574626   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B UT Second Home Refinance - Rate/Term   D B A A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787542 23543953   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/03/2021 1 A OR Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787542 23543957   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   xxxx       xxxx
 11/03/2021 1 A OR Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787542 23544180   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/03/2021 1 A OR Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787542 23545736   Compliance Compliance Federal Compliance TRID 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 $36.60 exceeds tolerance of $36.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/29/2021 1 A OR Second Home Refinance - Rate/Term Final CD evidences Cure D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302787542 23615720   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B OR Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787611 23543919   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B FL Second Home Refinance - Cash-out - Other   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787634 23525681   Credit Missing Document General Missing Document Missing Document: Cancelled Check(s) not provided           xxxx
 11/03/2021 1 A TX Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787634 23531625   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/02/2021 1 A TX Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787738 23618093   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787738 23619613   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787738 23620228   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787754 23645644   Compliance Compliance Federal Compliance TRID 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 $66.30 exceeds tolerance of $52.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A CO Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302787938 23527002   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/03/2021 1 A CA Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302787977 23644822   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788047 23623826   Compliance Compliance Federal Compliance TRID 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 $600.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/04/2021 1 A ME Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302788080 23648634   Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788080 23656519   Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Citizenship Source Documentation  was not provided - xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788080 23672494   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788080 23687333   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788080 23687689   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 11/16/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788085 23527846   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 11/01/2021 1 A AZ Second Home Refinance - Cash-out - Other   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788085 23930245   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___           2 B AZ Second Home Refinance - Cash-out - Other   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788099 23569597   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/10/2021 1 A MO Second Home Refinance - Cash-out - Other   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788200 23577490   Compliance Compliance Federal Compliance TRID 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 $61.30 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/02/2021 1 A NC Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788216 23641472   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788242 23518295   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/01/2021 1 A FL Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788321 23549743   Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003           xxxx
 11/04/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788321 23558948   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788321 23560282   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___;         xxxx
 11/09/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788321 23560309   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788360 23552275   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $134.00 exceeds tolerance of $67.00 plus 10% or $73.70.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/30/2021 1 A IL Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788396 23645849   Compliance Compliance Federal Compliance TRID 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.         xxxx
 11/10/2021 1 A CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788396 23646928   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Homeowners Insurance Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. xxxx       xxxx
 11/10/2021 1 A CA Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788396 23647264   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $560.00 exceeds tolerance of $460.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788396 23761380   Compliance Compliance Federal Compliance TRID 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 $560.00 exceeds tolerance of $460.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/12/2021 1 A CA Second Home Purchase Final CD evidences Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788403 23643231   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/23/2021 1 A FL Second Home Purchase Lender to provide updated ATR/QM status C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788403 23643232   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/23/2021 1 A FL Second Home Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788403 23643234   Compliance Compliance Federal Compliance TRID Defect 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 7,464.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/19/2021 2 B FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788459 23649291   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___ xxxx       xxxx
 11/09/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788574 23636805   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___ xxxx       xxxx
 11/12/2021 1 A AZ Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788574 23656984   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/16/2021 1 A AZ Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788607 23516254   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/11/2021 1 A CA Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788607 23519042   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,585.26  is less than amount of binding Lender Credit previously disclosed in the amount of $-1,691.00. xxxx       xxxx
 11/02/2021 1 A CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788620 23628978   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit AUS Findings: Occupancy discrepancy.   xxxx       xxxx
 11/22/2021 1 A NV Second Home Purchase   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788620 23629075   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/19/2021 1 A NV Second Home Purchase   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788620 23629078   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/19/2021 1 A NV Second Home Purchase Lender to provide updated ATR/QM status C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788620 23629318   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B NV Second Home Purchase   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788620 23629342   Credit Loan Package Documentation Application / Processing Loan Package Documentation Mismatch of data related to Occupancy. - Occupancy: ___; Declarations/Will borrower occupy: ___
Occupancy: ___; Declarations/Will borrower occupy: ___		 xxxx       xxxx
 11/19/2021 1 A NV Second Home Purchase   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788651 23547947   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/03/2021 1 A FL Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788674 23647999   Compliance Compliance Federal Compliance TRID 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 $605.00 exceeds tolerance of $505.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A AZ Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788682 23633577   Property Property - Appraisal Appraisal Documentation Property - Appraisal 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:  ___;
Closing Date:  ___		           2 B CO Second Home Purchase   B B A A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788731 23632853   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). -         xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788731 23633088   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___;         xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788731 23633097   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and does not have 2 months business bank statements. (GSE COVID-19) -         xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788731 23633233   Compliance Compliance Federal Compliance TRID 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 $495.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788731 23641643   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 12/13/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788731 23641687   Credit Credit Credit Documentation Guideline Missing Document: Asset not provided   xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788739 23568699   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 11/04/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788739 23570930   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788818 23566550   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/08/2021 1 A CA Second Home Refinance - Rate/Term   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788827 23578407   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/16/2021 1 A CA Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788827 23584337   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe.  Asset Account date is more than 60 days prior to the Note date or notary date. - xxxx       xxxx
 12/09/2021 1 A CA Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788870 23557347   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A AZ Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788943 23577560   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/08/2021 1 A FL Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788943 23578586   Compliance Compliance Federal Compliance TRID 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 $795.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/02/2021 1 A FL Second Home Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788943 23578587   Compliance Compliance Federal Compliance TRID 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 $1,694.00 exceeds tolerance of $1,265.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/02/2021 1 A FL Second Home Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302788956 23631288   Property Property - Appraisal General Appraisal Requirements Property - Appraisal Valuation Error: Appraiser and/or Supervisory appraiser are not licensed or certified in the appraiser national registry. - xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788956 23632136   Credit Income Document Error Income YTD P&L Statement does not include the  most recent month preceding the application date.   (GSE COVID-19) - xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302788956 23632397   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B FL Second Home Purchase   C B C A B B C A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789024 23571358   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789024 23572171   Compliance Compliance Federal Compliance TRID Defect 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 $1,054.72 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789037 23624624   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B CA Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789037 23636536   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/10/2021 1 A CA Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789053 23577871   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,055.00 exceeds tolerance of $1,645.00 plus 10% or $1,809.50.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/02/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789103 23635312   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789155 23538271   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/15/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789155 23538632   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789155 23538654   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/03/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789182 23643884   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/10/2021 1 A NC Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789182 23660502   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/16/2021 1 A NC Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789220 23638973   Credit System General System Flood Certificate Subject Address does not match Note address.   xxxx       xxxx
 11/10/2021 1 A UT Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789220 23639427   Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) 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. xxxx       xxxx
 11/10/2021 1 A UT Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789220 23643993   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/16/2021 1 A UT Second Home Purchase Lender to provide updated ATR/QM status C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789220 23643995   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/16/2021 1 A UT Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789220 23684547   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/11/2021 1 A UT Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789220 23755388   Compliance Compliance Federal Compliance ATR/QM 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 xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 11/16/2021 1 A UT Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789243 23622230   Compliance Compliance Federal Compliance TRID 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 $38.50 exceeds tolerance of $33.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789243 23626221   Credit Insurance Insurance Documentation Insurance Missing Document: Hazard Dec Page not provided   xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789243 23626686   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789243 23626693   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___ xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789249 23626948   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/10/2021 1 A FL Second Home Purchase   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789249 23628340   Credit Missing Document General Missing Document Missing Document: COVID-19 Attestation not provided           xxxx
 11/12/2021 1 A FL Second Home Purchase   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789249 23630056   Compliance Compliance Federal Compliance Flood 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. xxxx         2 B FL Second Home Purchase   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789249 23630061   Compliance Compliance Federal Compliance TRID Defect 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 6,915.96 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/12/2021 2 B FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789249 23630975   Compliance Compliance Federal Compliance TRID Defect 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 $1,404.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789350 23541772   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/15/2021 1 A TX Second Home Purchase Lender to provide updated ATR/QM status C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789350 23542356   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/15/2021 1 A TX Second Home Purchase   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789378 23631411   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $346.70 exceeds tolerance of $310.00 plus 10% or $341.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A FL Second Home Refinance - Rate/Term Final CD evidences Cure B B A A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789378 23631706   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B FL Second Home Refinance - Rate/Term   B B A A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789379 23651010   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B FL Second Home Purchase   B B A A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789390 23568730   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/05/2021 1 A CO Second Home Refinance - Cash-out - Home Improvement   D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789390 23588823   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/15/2021 1 A CO Second Home Refinance - Cash-out - Home Improvement No Defined Cure D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789390 23588890   Compliance Compliance Federal Compliance TRID Defect 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 3,847.20 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/09/2021 2 B CO Second Home Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789390 23589146   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/05/2021 1 A CO Second Home Refinance - Cash-out - Home Improvement   D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789390 23589170   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Appraisal is missing.; Sec ID: 1   xxxx       xxxx
 12/16/2021 1 A CO Second Home Refinance - Cash-out - Home Improvement   D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789390 23596423   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 12/16/2021 1 A CO Second Home Refinance - Cash-out - Home Improvement   D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789390 23596441   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/05/2021 1 A CO Second Home Refinance - Cash-out - Home Improvement   D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789390 24106315   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___ xxxx         2 B CO Second Home Refinance - Cash-out - Home Improvement   D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789416 23640366   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___         xxxx
 11/12/2021 1 A FL Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789416 23643005   Compliance Compliance Federal Compliance TRID Defect 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 3,672.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/12/2021 2 B FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789416 23643019   Compliance Compliance Federal Compliance TRID 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 $1,732.50 exceeds tolerance of $935.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A FL Second Home Purchase Final CD evidences Cure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789416 23689372   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___;
Application Date:  ___;		         xxxx
 11/12/2021 1 A FL Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789416 23689376   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and does not have 2 months business bank statements. (GSE COVID-19) -         xxxx
 11/10/2021 1 A FL Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789416 23689377   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and does not have 2 months business bank statements. (GSE COVID-19) -         xxxx
 11/10/2021 1 A FL Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789426 23557426   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___; xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302789426 23557556   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302789426 23614591   Compliance Compliance Federal Compliance TRID 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 $117.00 exceeds tolerance of $62.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/03/2021 1 A FL Second Home Purchase Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302789456 23592043   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/04/2021 1 A OR Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789466 23531817   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 11/02/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789466 23531865   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789466 23531921   Compliance Compliance Federal Compliance TRID Defect 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 412.44 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/17/2021 2 B CA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789466 23575396   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B CA Second Home Refinance - Rate/Term   D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789466 23580947   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/04/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789470 23535456   Compliance Compliance Federal Compliance TRID Defect 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 2,799.96 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/05/2021 2 B FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure D B A A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789470 23536216   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A FL Second Home Purchase   D B A A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789497 23575928   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/09/2021 1 A CA Second Home Refinance - Cash-out - Other   C B C A A B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789497 23693667   Compliance Compliance Federal Compliance TRID Defect 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 11,638.32 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/19/2021 2 B CA Second Home Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A A B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789511 23645955   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302789543 23590003   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/03/2021 1 A MN Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789547 23572042   Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) 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. xxxx       xxxx
 11/18/2021 1 A FL Second Home Purchase   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789555 23552985   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/03/2021 1 A FL Second Home Purchase No Defined Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789555 23571670   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789555 23571686   Credit Missing Document General Missing Document Incomplete Document: Closing Disclosure is incomplete   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789555 23595865   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase No Defined Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789555 23672766   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789555 23694976   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789555 23695038   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789570 23539762   Compliance Compliance Federal Compliance TRID 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 $32.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/29/2021 1 A CA Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789574 23641647   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789574 23649518   Compliance Compliance Federal Compliance TRID Defect 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 $6,358.88 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789614 23675629   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee.  Fee Amount of $329.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/18/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789621 23578523   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B FL Second Home Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789689 23557219   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/10/2021 1 A NY Second Home Purchase Lender to provide updated ATR/QM status C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789689 23557220   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/10/2021 1 A NY Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789689 23583478   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/12/2021 1 A NY Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789701 23660884   Compliance Compliance Federal Compliance TRID 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 $42.00 exceeds tolerance of $32.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 11/06/2021 1 A FL Second Home Purchase   A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789702 23648149   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline AUS Findings: Qualifying asset balance discrepancy.   xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase   C B C A C A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302789702 23648206   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B FL Second Home Purchase   C B C A C A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302789702 23648239   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase   C B C A C A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302789702 23652454   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Insurance Binder Fee.  Fee Amount of $24.95 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302789745 23565210   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,593.00 exceeds tolerance of $1,324.00 plus 10% or $1,456.40.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/01/2021 1 A UT Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789812 23554437   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 11/03/2021 1 A NY Second Home Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302789812 23554466   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/04/2021 1 A NY Second Home Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302789812 23569815   Compliance Compliance Federal Compliance TRID 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 $102.35 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/01/2021 1 A NY Second Home Refinance - Cash-out - Other Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302789831 23534997   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ xxxx       xxxx
 11/05/2021 1 A AZ Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789898 23587718   Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) 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. xxxx       xxxx
 11/18/2021 1 A OR Second Home Refinance - Cash-out - Other   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789900 23633959   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/23/2021 1 A NC Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789900 23634393   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/09/2021 1 A NC Second Home Purchase No Defined Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789900 23694138   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/10/2021 1 A NC Second Home Purchase No Defined Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789932 23530906   Credit Document Error HOA Document Error HOA Dues amount was not evidenced in the file, and has not been included in the calculated debt ratio. - Property Type:  ___         xxxx
 11/02/2021 1 A FL Second Home Purchase   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789932 23533665   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 11/02/2021 1 A FL Second Home Purchase   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789932 23574838   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B FL Second Home Purchase   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789961 23564606   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/07/2021 1 A LA Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302789961 23566238   Compliance Compliance Federal Compliance TRID Defect 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 2,871.48 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/04/2021 1 A LA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302789963 23647803   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/10/2021 1 A CO Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790172 23626849   Compliance Compliance Federal Compliance TRID 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 $175.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A AZ Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302790178 23638712   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/12/2021 1 A CA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790178 23760851   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 11/12/2021 1 A CA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790178 23760890   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B CA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790194 23644321   Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing Test TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase TRID timing exception, no remediation available. C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790194 23650331   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790267 23537019   Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003           xxxx
 11/12/2021 1 A CA Second Home Refinance - Cash-out - Other   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790267 23537468   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/02/2021 1 A CA Second Home Refinance - Cash-out - Other   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790267 23540907   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/01/2021 1 A CA Second Home Refinance - Cash-out - Other No Defined Cure D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790346 23517144   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/01/2021 1 A FL Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790346 23520387   Compliance Compliance Federal Compliance ATR/QM Defect General ATR Provision Investor and Non QM DTIs don't match and both significantly exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 48.55228% and based on 1026.43(c)(5) of 48.55% significantly exceed the guideline maximum of 28.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) xxxx       xxxx
 11/01/2021 1 A FL Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790346 23520389   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/18/2021 1 A FL Second Home Purchase Lender to provide updated ATR/QM status D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302790346 23520390   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/03/2021 1 A FL Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790346 23520417   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/18/2021 1 A FL Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790346 23520455   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790346 23520612   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790346 23522939   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/03/2021 1 A FL Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790346 23523322   Compliance Compliance Federal Compliance TRID 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 $630.00 exceeds tolerance of $480.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A FL Second Home Purchase Final CD evidences Cure D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302790346 23559639   Compliance Compliance Federal Compliance ATR/QM Defect General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 50.45608% and based on 1026.43(c)(5) of 50.46% moderately exceed the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 11/03/2021 1 A FL Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790488 23559112   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A SC Second Home Refinance - Rate/Term   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790513 23523246   Compliance Compliance Federal Compliance TRID 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 $460.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A CA Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302790513 23523249   Compliance Compliance Federal Compliance TRID 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 $108.98 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A CA Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302790592 23635020   Compliance Compliance Federal Compliance TRID Defect 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 $8,784.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302790791 23539633   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/02/2021 1 A FL Second Home Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302790796 23539035   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 12/15/2021 1 A CA Second Home Refinance - Cash-out - Other No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790851 23526367   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit AUS Findings: Representative FICO score discrepancy.   xxxx       xxxx
 11/01/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790851 23526539   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/01/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790851 23526540   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 11/01/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790851 23526541   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/01/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790851 23526542   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 11/01/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790851 23526543   Compliance Compliance Federal Compliance ATR/QM Defect 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 Fail. xxxx       xxxx
 11/01/2021 1 A CA Second Home Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302790851 23526569   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790979 23625715   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/09/2021 1 A AL Second Home Purchase No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302790979 23718756   Compliance Compliance Federal Compliance TRID 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 $150.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/10/2021 1 A AL Second Home Purchase Final CD evidences Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302791071 23547075   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/04/2021 1 A ME Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791195 23633311   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A ME Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791220 23640610   Compliance Compliance Federal Compliance TRID 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 $31.00 exceeds tolerance of $30.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A WA Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302791435 23690511   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791452 23633117   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791452 23633468   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase No Defined Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791490 23635435   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/09/2021 1 A NC Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791490 23635437   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/10/2021 1 A NC Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791490 23635438   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/09/2021 1 A NC Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791490 23643215   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/10/2021 1 A NC Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791490 23719194   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/06/2021 1 A NC Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791521 23566739   Compliance Compliance Federal Compliance TRID 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 $1,155.00 exceeds tolerance of $1,034.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/01/2021 1 A FL Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302791683 23573496   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/07/2021 1 A AZ Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791683 23573498   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 11/07/2021 1 A AZ Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791683 23573499   Compliance Compliance Federal Compliance ATR/QM Defect 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 Fail. xxxx       xxxx
 11/10/2021 1 A AZ Second Home Purchase Lender to provide updated ATR/QM status D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302791683 23604058   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/10/2021 1 A AZ Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791683 23608823   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/05/2021 1 A AZ Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302791798 22144328   Credit Loan Package Documentation Closing / Title Loan Package Documentation Title Error: Title vesting does not concur with deed   xxxx       xxxx
 11/30/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302791798 22144372   Compliance Compliance Federal Compliance TRID Defect 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 30,785.16 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 09/01/2021 1 A CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302806439 21155521   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 07/23/2021 2 B FL Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302815822 21546408   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 07/29/2021 1 A TN Second Home Refinance - Cash-out - Other No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302815822 21546409   Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. xxxx       xxxx
 07/29/2021 1 A TN Second Home Refinance - Cash-out - Other No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302815832 21542496   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 07/23/2021 1 A MD Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302815832 21545676   Credit Property - Appraisal Appraisal Adjustments Property - Appraisal Excessive site value noted on appraisal without appraiser comments to justify - xxxx       xxxx
 07/23/2021 1 A MD Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302815832 21545965   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx       xxxx
 07/20/2021 1 A MD Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302815832 21545984   Compliance Compliance Federal Compliance TRID Defect 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 1,660.67 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 08/25/2021 1 A MD Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302816271 22011881   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 12/01/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302816271 22012109   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 08/30/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302816271 22012413   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 09/30/2021 1 A AZ Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302816271 22012414   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 09/30/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302820107 23582160   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   xxxx       xxxx
 11/12/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302820107 23702248   Compliance Compliance Federal Compliance TRID 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 $1,150.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302822003 22119687   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ xxxx       xxxx
 09/15/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302822003 22119908   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 09/02/2021 1 A CA Primary Refinance - Cash-out - Other No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302834081 22262284   Compliance Compliance Federal Compliance TRID 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 $1,100.00 exceeds tolerance of $795.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 08/12/2021 1 A FL Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
302836182 22263653   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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). xxxx       xxxx
 08/30/2021 1 A CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302837774 23087016   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/18/2021 1 A NC Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302837815 23650370   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/11/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302842081 22219496   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302842081 22219497   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - K-1 Less Than 25 Percent General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302842081 22358705   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 09/10/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847199 23537619   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           xxxx
 11/03/2021 1 A VA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847199 23537625   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Appraisal is missing.; Sec ID: 1 Note Date:  ___; Lien Position: ___ xxxx       xxxx
 11/05/2021 1 A VA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847200 23550644   Credit Hazard Insurance Document Error Hazard Insurance Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.           xxxx
 11/09/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847200 23550741   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe.  Asset Account date is more than 60 days prior to the Note date or notary date. -         xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847200 23551050   Compliance Compliance Federal Compliance TRID Defect 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 5,193.96 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/04/2021 1 A CA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847200 23551512   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___;         xxxx
 11/29/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847200 23572222   Compliance Compliance Federal Compliance TRID 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 $795.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/01/2021 1 A CA Second Home Refinance - Rate/Term Final CD evidences Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847215 23526645   Compliance Compliance Federal Compliance TRID 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 $39.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847215 23526794   Compliance Compliance Federal Compliance TRID 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 $540.00 exceeds tolerance of $535.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847215 23527003   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/02/2021 1 A CA Second Home Refinance - Cash-out - Other No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847217 23517184   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/08/2021 1 A AZ Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847217 23517189   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/01/2021 1 A AZ Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847217 23559822   Credit AUS General AUS Investor Qualifying Debt Ratio is less than 0.00%. DTI: ___;
Total Income: ___		 xxxx       xxxx
 11/01/2021 1 A AZ Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847223 23564686   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/01/2021 1 A CA Second Home Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847226 23534951   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A NJ Second Home Refinance - Rate/Term   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847226 23535085   Compliance Compliance Federal Compliance TRID Defect 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 8,325.36 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/15/2021 2 B NJ Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302847226 23538444   Compliance Compliance Federal Compliance TRID 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 $490.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/29/2021 1 A NJ Second Home Refinance - Rate/Term Final CD evidences Cure D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302847232 23572967   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847232 23573030   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase No Defined Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847238 23570215   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847238 23612460   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847239 23545732   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/03/2021 1 A UT Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847239 23546727   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.   xxxx       xxxx
 11/05/2021 1 A UT Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847239 23930420   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___           2 B UT Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847241 23545648   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ xxxx       xxxx
 11/08/2021 1 A AL Second Home Refinance - Cash-out - Other   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847241 23558288   Compliance Compliance Federal Compliance TRID 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 $63.00 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/01/2021 1 A AL Second Home Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847251 23521639   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/05/2021 1 A AL Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847255 23516432   Compliance Compliance Federal Compliance TRID Defect 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 5,395.17 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/09/2021 2 B FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847256 23517474   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $176.00 exceeds tolerance of $150.00 plus 10% or $165.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A CA Second Home Refinance - Rate/Term Final CD evidences Cure D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847256 23517693   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.           xxxx
 11/08/2021 1 A CA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847256 23517777   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/01/2021 1 A CA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847256 23636436   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B CA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847261 23555950   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 11/05/2021 1 A HI Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847261 23557412   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/04/2021 1 A HI Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847261 23558575   Compliance Compliance Federal Compliance TRID 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 $800.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/01/2021 1 A HI Second Home Refinance - Rate/Term Final CD evidences Cure D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847264 23555736   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847264 23555739   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847264 23556230   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term No Defined Cure D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847264 23606659   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $347.00 exceeds tolerance of $150.00 plus 10% or $165.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term Final CD evidences Cure D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847264 23608587   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847264 23608807   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847264 23608808   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847264 23608809   Compliance Compliance Federal Compliance ATR/QM Defect General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 37.09340% and based on 1026.43(c)(5) of 37.09% moderately exceed the guideline maximum of 34.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847264 23608810   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term Lender to provide updated ATR/QM status D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847264 23658044   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847267 23578746   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/18/2021 1 A AL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847267 23578750   Credit Income Document Error Income YTD P&L Statement was not signed and/or dated by Borrower.  (GSE COVID-19) -         xxxx
 11/18/2021 1 A AL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847267 23578751   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and does not have 2 months business bank statements. (GSE COVID-19) -         xxxx
 11/04/2021 1 A AL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847267 23578918   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 11/16/2021 1 A AL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847267 23785619   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.           xxxx
 11/18/2021 1 A AL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847267 23785710   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 11/18/2021 1 A AL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847267 23785711   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/18/2021 1 A AL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847267 23785712   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 11/18/2021 1 A AL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847267 23785713   Compliance Compliance Federal Compliance ATR/QM Defect 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 Fail. xxxx       xxxx
 11/18/2021 1 A AL Second Home Purchase Lender to provide updated ATR/QM status C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847267 23785719   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline AUS Findings: Qualifying asset balance discrepancy.           xxxx
 11/18/2021 1 A AL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847267 23816620   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/23/2021 1 A AL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847272 23559094   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___         xxxx
 11/08/2021 1 A CA Second Home Refinance - Cash-out - Other   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847272 23559592   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A CA Second Home Refinance - Cash-out - Other   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847273 23557886   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/04/2021 1 A CA Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847276 23580736   Compliance Compliance Federal Compliance TRID Defect 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 6,636.72 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847278 23559726   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/04/2021 1 A AL Primary Purchase   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847278 23567939   Compliance Compliance Federal Compliance TRID Defect 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 6,003.36 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/08/2021 2 B AL Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302847293 23555983   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/14/2021 1 A NC Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847293 23556112   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/03/2021 1 A NC Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847293 23568241   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/08/2021 1 A NC Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847293 23568267   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A NC Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847293 23572495   Compliance Compliance Federal Compliance TRID 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 $575.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/01/2021 1 A NC Second Home Purchase Final CD evidences Cure D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847299 23592024   Compliance Compliance Federal Compliance TRID 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 $275.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/02/2021 1 A FL Second Home Purchase Final CD evidences Cure D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847299 23592755   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847304 23544657   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A FL Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847308 23638429   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B FL Second Home Refinance - Cash-out - Other   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847311 23634286   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Warehousing Fee.  Fee Amount of $15.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847313 23549462   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A TX Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847313 23550616   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Amount Financed TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Amount Financed. xxxx       xxxx
 11/04/2021 1 A TX Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847313 23550617   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure APR TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the APR. xxxx       xxxx
 11/04/2021 1 A TX Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847313 23550618   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Finance Charge. xxxx       xxxx
 11/04/2021 1 A TX Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847313 23550619   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/xxxx not accurate. xxxx       xxxx
 11/04/2021 1 A TX Second Home Purchase Letter of Explanation & Corrected Closing Disclosure D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847313 23550620   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the Total of Payments. xxxx       xxxx
 11/04/2021 1 A TX Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847313 23622522   Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. xxxx       xxxx
 11/04/2021 1 A TX Second Home Purchase Letter of Explanation & Corrected Closing Disclosure D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847313 23624645   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date:  ___ xxxx       xxxx
 11/08/2021 1 A TX Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847320 23658012   Compliance Compliance Federal Compliance TRID 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 $545.00 exceeds tolerance of $500.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847320 23658014   Compliance Compliance Federal Compliance TRID 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 $190.48 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847322 23648078   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $445.00 exceeds tolerance of $300.00 plus 10% or $330.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A NJ Second Home Refinance - Rate/Term Final CD evidences Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847322 23648270   Compliance Compliance Federal Compliance TRID Defect 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 12.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/19/2021 2 B NJ Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847329 23630327   Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003   xxxx       xxxx
 11/22/2021 1 A FL Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847329 23630817   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/09/2021 1 A FL Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847329 23636107   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,229.00 exceeds tolerance of $1,092.00 plus 10% or $1,201.20.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A FL Second Home Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847329 23636108   Compliance Compliance Federal Compliance TRID 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 $585.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A FL Second Home Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847336 23633808   Compliance Compliance Federal Compliance TRID 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 $500.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A NC Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847342 23551717   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847342 23551956   Compliance Compliance Federal Compliance TRID Defect 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 $1,394.92 exceeds tolerance of $641.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/06/2021 1 A CA Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847342 23559646   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847343 23563441   Compliance Compliance Federal Compliance TRID Defect 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 3,323.64 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/09/2021 2 B KY Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847343 23563442   Compliance Compliance Federal Compliance TRID 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 $585.00 exceeds tolerance of $575.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/01/2021 1 A KY Second Home Purchase Final CD evidences Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847345 23548059   Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003/Declarations:  F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes.  Missing  documented and/or does not meet guideline requirements. - xxxx       xxxx
 11/03/2021 1 A OR Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847345 23553671   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/03/2021 1 A OR Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847360 23634141   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A WA Second Home Refinance - Cash-out - Other   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847362 23565940   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/12/2021 1 A SC Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847369 23557617   Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided           xxxx
 12/02/2021 1 A MA Second Home Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847369 23561484   Compliance Compliance Federal Compliance TRID 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.         xxxx
 11/01/2021 1 A MA Second Home Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302847369 23577979   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing:  Employer Letter, Paystub, Bank Statement within 10 days before note date or prior to disbursement date. - Note Date: ___ xxxx       xxxx
 11/05/2021 1 A MA Second Home Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847379 23631998   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/15/2021 1 A AL Second Home Refinance - Cash-out - Other   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847383 23541897   Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. - xxxx       xxxx
 11/15/2021 1 A CA Second Home Refinance - Limited Cash-out GSE   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847383 23544815   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/02/2021 1 A CA Second Home Refinance - Limited Cash-out GSE No Defined Cure D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847383 23547936   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/02/2021 1 A CA Second Home Refinance - Limited Cash-out GSE   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847383 23548951   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of $8.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 10/29/2021 1 A CA Second Home Refinance - Limited Cash-out GSE   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847383 23549088   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/09/2021 1 A CA Second Home Refinance - Limited Cash-out GSE   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847383 23586415   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/09/2021 1 A CA Second Home Refinance - Limited Cash-out GSE   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847383 23595158   Compliance Compliance Federal Compliance ATR/QM Defect General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 44.80792% and based on 1026.43(c)(5) of 44.81% moderately exceed the guideline maximum of 44.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 11/12/2021 1 A CA Second Home Refinance - Limited Cash-out GSE   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847383 23595159   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/12/2021 1 A CA Second Home Refinance - Limited Cash-out GSE   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847383 23595161   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/12/2021 1 A CA Second Home Refinance - Limited Cash-out GSE Lender to provide updated ATR/QM status D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847383 23595163   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. xxxx       xxxx
 11/12/2021 1 A CA Second Home Refinance - Limited Cash-out GSE   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847383 23595166   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/12/2021 1 A CA Second Home Refinance - Limited Cash-out GSE   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847384 23539195   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/02/2021 1 A FL Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847384 23547066   Compliance Compliance Federal Compliance TRID 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 $37.26 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/29/2021 1 A FL Second Home Purchase Final CD evidences Cure D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847384 23547067   Compliance Compliance Federal Compliance TRID 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 $85.00 exceeds tolerance of $75.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/29/2021 1 A FL Second Home Purchase Final CD evidences Cure D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847385 23649702   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___         xxxx
 11/10/2021 1 A CA Second Home Refinance - Rate/Term   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847385 23697623   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount. The Final Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. xxxx       xxxx
 11/10/2021 1 A CA Second Home Refinance - Rate/Term   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847389 23544570   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 11/01/2021 1 A CA Second Home Refinance - Cash-out - Other   D B C A A A D B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847389 23545015   Credit Income Document Error Income Tax Return end date is more than 90 days prior to note date.  P&L was not found in file.  (GSE COVID-19) -         xxxx
 11/01/2021 1 A CA Second Home Refinance - Cash-out - Other   D B C A A A D B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847389 23565095   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B CA Second Home Refinance - Cash-out - Other   D B C A A A D B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847390 23542828   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/03/2021 1 A FL Second Home Refinance - Limited Cash-out GSE   D B A A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847390 23551601   Compliance Compliance Federal Compliance TRID Defect 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 7,161.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/04/2021 1 A FL Second Home Refinance - Limited Cash-out GSE Letter of Explanation & Corrected Closing Disclosure D B A A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847390 23630401   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B FL Second Home Refinance - Limited Cash-out GSE   D B A A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847396 23628817   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 11/08/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847396 23629241   Compliance Compliance Federal Compliance TRID 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 $805.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A CA Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847399 23520681   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/23/2021 1 A CA Second Home Refinance - Cash-out - Other   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847399 23520694   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 11/01/2021 1 A CA Second Home Refinance - Cash-out - Other   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847399 23870480   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___ xxxx         2 B CA Second Home Refinance - Cash-out - Other   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847400 23580480   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/17/2021 1 A CA Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847403 23540080   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 11/02/2021 1 A TN Second Home Refinance - Cash-out - Home Improvement   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847403 23540206   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/02/2021 1 A TN Second Home Refinance - Cash-out - Home Improvement   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847403 23541107   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/05/2021 1 A TN Second Home Refinance - Cash-out - Home Improvement   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847412 23530184   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 11/09/2021 1 A CA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847412 23530191   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/08/2021 1 A CA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847412 23677923   Compliance Compliance Federal Compliance ATR/QM Defect 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 Safe Harbor QM (43-Q). xxxx       xxxx
 11/10/2021 1 A CA Second Home Refinance - Rate/Term Lender to provide updated ATR/QM status D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847412 23677933   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/10/2021 1 A CA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847412 24383996   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___ xxxx         2 B CA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847424 23561958   Credit Income Document Error Income YTD P&L Statement was not signed and/or dated by Borrower.  (GSE COVID-19) - xxxx       xxxx
 11/22/2021 1 A CA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847424 23586349   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 11/04/2021 1 A CA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847424 23615750   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx       xxxx
 11/04/2021 1 A CA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847444 23569338   Compliance Compliance Federal Compliance TRID 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 $685.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/01/2021 1 A NH Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847444 23569339   Compliance Compliance Federal Compliance TRID 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 $2,887.50 exceeds tolerance of $2,887.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/01/2021 1 A NH Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847455 23521171   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $190.00 exceeds tolerance of $150.00 plus 10% or $165.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A CA Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847458 23558422   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A AZ Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847462 23570356   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Divorce Decree / Child Support not provided   xxxx       xxxx
 11/05/2021 1 A AZ Second Home Refinance - Cash-out - Other   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847462 23570709   Compliance Compliance Federal Compliance TRID Defect 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 755.04 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/05/2021 1 A AZ Second Home Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847463 23568069   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/09/2021 1 A CO Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847463 23603681   Compliance Compliance Federal Compliance TRID 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 $44.00 exceeds tolerance of $34.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/03/2021 1 A CO Second Home Purchase Final CD evidences Cure D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847488 23632894   Compliance Compliance Federal Compliance TRID 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 $485.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A MN Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847497 23561658   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/03/2021 1 A MI Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847497 23564450   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $95.00 exceeds tolerance of $65.00 plus 10% or $71.50.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/01/2021 1 A MI Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847497 23564451   Compliance Compliance Federal Compliance TRID 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 $495.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/01/2021 1 A MI Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847497 23564452   Compliance Compliance Federal Compliance TRID 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 $31.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/01/2021 1 A MI Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847497 23564958   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/03/2021 1 A MI Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847508 23566765   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/03/2021 1 A UT Second Home Refinance - Rate/Term   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847508 23595338   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx       xxxx
 11/03/2021 1 A UT Second Home Refinance - Rate/Term   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847518 23519016   Compliance Compliance Federal Compliance TRID 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 $525.00 exceeds tolerance of $480.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A UT Second Home Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847518 23519017   Compliance Compliance Federal Compliance TRID 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 $37.61 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A UT Second Home Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847534 23524654   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 10/29/2021 1 A CA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847534 23534788   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___         xxxx
 2 B CA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847549 23575491   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847549 23930941   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___           2 B CA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847553 23609667   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___ xxxx       xxxx
 11/10/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847553 23609688   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/08/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847553 23609708   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/11/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847555 23623392   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847555 23623645   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847555 23623742   Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Appraisal is required to be in name of Lender - xxxx       xxxx
 2 B NJ Second Home Refinance - Cash-out - Other   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847555 23623962   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___;         xxxx
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847555 23624310   Compliance Compliance Federal Compliance ATR/QM Defect 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
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847555 23624311   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. xxxx       xxxx
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847555 23624312   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847555 23624317   Compliance Compliance Federal Compliance ATR/QM Defect 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 51.16903% moderately exceeds the guideline maximum of 47.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847555 23624319   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847555 23624320   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847555 23624331   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other No Defined Cure C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847555 23624332   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,448.00 exceeds tolerance of $3,930.00 plus 10% or $4,323.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/12/2021 1 A NJ Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847555 23624334   Compliance Compliance Federal Compliance TRID Defect 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 $16,217.40 exceeds tolerance of $15,296.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847555 23624428   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847555 23630519   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/10/2021 1 A NJ Second Home Refinance - Cash-out - Other   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847562 23607961   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/05/2021 1 A AZ Second Home Refinance - Cash-out - Other   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847562 23930924   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___           2 B AZ Second Home Refinance - Cash-out - Other   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847568 23521441   Compliance Compliance Federal Compliance TRID 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 $505.00 exceeds tolerance of $460.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/28/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847580 23522738   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___ xxxx       xxxx
 11/03/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847590 23560089   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/04/2021 1 A NJ Second Home Refinance - Cash-out - Other   B A B A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847590 23584895   Compliance Compliance Federal Compliance TRID 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 $555.00 exceeds tolerance of $490.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/02/2021 1 A NJ Second Home Refinance - Cash-out - Other Final CD evidences Cure B A B A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847590 23584897   Compliance Compliance Federal Compliance TRID 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 $42.97 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/02/2021 1 A NJ Second Home Refinance - Cash-out - Other Final CD evidences Cure B A B A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847592 23589249   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Missing Document: Note - Subordinate Lien not provided   xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847592 23589283   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing:  Employer Letter, Paystub, Bank Statement within 10 days before note date or prior to disbursement date. -         xxxx
 11/05/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847592 23589293   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy. Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___. xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847592 23589521   Compliance Compliance Federal Compliance TRID 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 $745.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302847592 23589522   Compliance Compliance Federal Compliance TRID 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 $41.00 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302847592 23593984   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower. Documented qualifying Assets for Closing of  ___ is less than Cash From Borrower ___. xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847592 23594020   Credit TRID Document Error TRID Simultaneous Financing reflected on the CD, however supporting documentation was not found in file. - xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847592 23594123   Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847595 23568430   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/05/2021 1 A IN Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847595 23568485   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/12/2021 1 A IN Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847595 23568537   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/08/2021 1 A IN Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847595 23568547   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/10/2021 1 A IN Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847595 23604056   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. -         xxxx
 11/12/2021 1 A IN Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847605 23626659   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B FL Second Home Purchase   B B A A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847608 23549238   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847608 23587990   Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) 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.         xxxx
 11/08/2021 1 A FL Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847618 23623809   Credit 1003 Document Error 1003 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. -         xxxx
 11/11/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847640 23565371   Compliance Compliance Federal Compliance TRID 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 $590.00 exceeds tolerance of $455.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/01/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847641 23634862   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/09/2021 1 A UT Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847641 23634879   Compliance Compliance Federal Compliance ATR/QM Defect General ATR Provision Investor and Non QM DTIs don't match and both moderately exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Guidelines of 46.59201% and based on 1026.43(c)(5) of 46.59% moderately exceed the guideline maximum of 44.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 11/09/2021 1 A UT Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847641 23634880   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/09/2021 1 A UT Second Home Purchase Lender to provide updated ATR/QM status C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847641 23634881   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/09/2021 1 A UT Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847641 23634888   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/09/2021 1 A UT Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847644 23580259   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/04/2021 1 A GA Second Home Purchase No Defined Cure D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847644 23581670   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date.   xxxx       xxxx
 11/19/2021 1 A GA Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847644 23582297   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/04/2021 1 A GA Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847649 23570357   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/03/2021 1 A FL Second Home Refinance - Rate/Term   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847650 23565911   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/03/2021 1 A AZ Second Home Refinance - Cash-out - Other   B A B A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847651 23550027   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/17/2021 1 A SC Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847651 23617140   Property Property - Appraisal Appraisal Documentation Property - Appraisal The property type differs between the valuation documents in file. Unable to verify the property type.  Ineligible per guidelines.   xxxx       xxxx
 11/17/2021 1 A SC Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847657 23518552   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 11/01/2021 1 A CA Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847666 23625006   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847669 23540151   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847669 23553891   Credit Credit Credit Documentation Guideline The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.   xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847669 23616525   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847677 23623925   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/09/2021 1 A WI Second Home Purchase No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847677 23624255   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,212.18  is less than amount of binding Lender Credit previously disclosed in the amount of $-4,991.00. xxxx       xxxx
 11/09/2021 1 A WI Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847688 23534962   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/04/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847698 23649996   Compliance Compliance Federal Compliance TRID Defect 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 3,588.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/15/2021 2 B CO Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847703 23629787   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847703 23633782   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $224.00 exceeds tolerance of $0.00 plus 10% or $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847703 23633783   Compliance Compliance Federal Compliance TRID 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 $24.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847704 23523562   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/01/2021 1 A CA Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847704 23523707   Compliance Compliance Federal Compliance TRID 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 $81.52 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/28/2021 1 A CA Second Home Purchase Final CD evidences Cure D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847705 23645549   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/10/2021 1 A CO Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847705 23646117   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/10/2021 1 A CO Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847705 23646215   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/10/2021 1 A CO Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847711 23626613   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee.  Fee Amount of $85.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 11/04/2021 1 A NV Second Home Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847711 23626859   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/05/2021 2 B NV Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847726 23645358   Compliance Compliance Federal Compliance TRID 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 $113.50 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A CA Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847728 23659019   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/10/2021 1 A AZ Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847730 23560769   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/08/2021 1 A CO Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847730 23582532   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/04/2021 1 A CO Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847737 23632241   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___ xxxx       xxxx
 11/11/2021 1 A CA Second Home Refinance - Rate/Term   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847737 23633373   Compliance Compliance Federal Compliance TRID 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 $999.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 11/04/2021 1 A CA Second Home Refinance - Rate/Term   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847737 23633374   Compliance Compliance Federal Compliance TRID 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 $750.00 exceeds tolerance of $460.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 11/04/2021 1 A CA Second Home Refinance - Rate/Term   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847737 23633389   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 12/14/2021 2 B CA Second Home Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847737 23633390   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 12/14/2021 2 B CA Second Home Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847737 24082439   Compliance Compliance Federal Compliance TRID Defect 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 $999.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/16/2021 1 A CA Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847739 23571037   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/12/2021 1 A GA Second Home Purchase   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847739 23761219   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B GA Second Home Purchase   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847746 23640727   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/08/2021 1 A AZ Second Home Purchase   B A B A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847747 23533963   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ xxxx       xxxx
 11/02/2021 1 A CA Second Home Refinance - Rate/Term   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847752 23564647   Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. xxxx       xxxx
 11/05/2021 1 A CA Second Home Purchase No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847758 23659250   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/22/2021 1 A MI Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847758 23659261   Credit Missing Document General Missing Document Missing Document: Trustee's Statement not provided   xxxx       xxxx
 11/22/2021 1 A MI Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847766 23655427   Compliance Compliance Federal Compliance TRID 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 $31.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A ID Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847766 23656141   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/12/2021 1 A ID Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847767 23634852   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/12/2021 1 A TX Second Home Purchase Lender to provide updated ATR/QM status C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847767 23634853   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/12/2021 1 A TX Second Home Purchase   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847774 23560358   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/03/2021 1 A CO Second Home Refinance - Cash-out - Other   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847774 23595245   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B CO Second Home Refinance - Cash-out - Other   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847797 23629176   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           xxxx
 11/10/2021 1 A MT Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847797 23629200   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 12/16/2021 1 A MT Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847797 24168757   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___ xxxx         2 B MT Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847801 23651804   Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) 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. xxxx       xxxx
 11/12/2021 1 A UT Second Home Purchase   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847801 23655890   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B UT Second Home Purchase   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847801 23656376   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/12/2021 1 A UT Second Home Purchase   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847801 23656666   Credit Loan Package Documentation Application / Processing Loan Package Documentation Mismatch of data related to Occupancy. - Occupancy: ___; Declarations/Will borrower occupy: ___
Occupancy: ___; Declarations/Will borrower occupy: ___		 xxxx       xxxx
 11/12/2021 1 A UT Second Home Purchase   C B C A C A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847804 23564070   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A MI Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847816 23553169   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/03/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847824 23550791   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/04/2021 1 A AZ Second Home Refinance - Cash-out - Other No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847824 23579333   Compliance Compliance Federal Compliance TRID 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 $66.00 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A AZ Second Home Refinance - Cash-out - Other Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302847839 23617660   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847839 23620365   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847839 23620430   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/17/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847839 23683281   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847842 23627624   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/09/2021 1 A NH Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847842 23631467   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/09/2021 1 A NH Second Home Purchase No Defined Cure D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847853 23565270   Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.           xxxx
 11/24/2021 1 A CO Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847853 23566014   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/05/2021 1 A CO Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847853 23571352   Credit Insurance Insurance Documentation Insurance Missing Document: Flood Insurance Policy not provided   xxxx       xxxx
 11/24/2021 1 A CO Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847853 23605327   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/05/2021 1 A CO Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847853 23882989   Credit Insurance Insurance Analysis Insurance The Flood Insurance Policy effective date is after the Note Date.   xxxx       xxxx
 12/01/2021 1 A CO Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847857 23629488   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/10/2021 1 A MD Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847858 23531289   Compliance Compliance Federal Compliance TRID Defect 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 $-130.00. xxxx       xxxx
 11/03/2021 1 A AZ Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847858 23531290   Compliance Compliance Federal Compliance TRID Defect 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 $101.77 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/04/2021 1 A AZ Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847858 23531291   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $812.50 exceeds tolerance of $595.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/04/2021 1 A AZ Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847858 23531292   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/03/2021 1 A AZ Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847858 23539309   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 10/29/2021 2 B AZ Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847858 23539310   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 10/29/2021 2 B AZ Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847858 23609370   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/05/2021 1 A AZ Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847858 23609371   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/05/2021 1 A AZ Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847858 23609372   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/05/2021 1 A AZ Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847858 23628748   Compliance Compliance Federal Compliance TRID 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 $812.50 exceeds tolerance of $595.00.  Sufficient or excess cure was provided to the borrower. xxxx       xxxx
 11/04/2021 1 A AZ Second Home Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847858 23649268   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/05/2021 1 A AZ Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847858 23649269   Compliance Compliance Federal Compliance TRID 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 $812.50 exceeds tolerance of $595.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A AZ Second Home Purchase Final CD evidences Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847874 23563468   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A VA Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302847876 23562291   Compliance Compliance Federal Compliance TRID 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 $52.00 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/01/2021 1 A CA Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847883 23559060   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/04/2021 1 A WA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847883 23586157   Compliance Compliance Federal Compliance TRID 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 $51.00 exceeds tolerance of $45.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A WA Second Home Refinance - Rate/Term Final CD evidences Cure D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847883 23615969   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B WA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847888 23571489   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/05/2021 1 A ID Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847888 23571688   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/05/2021 1 A ID Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847888 23571948   Compliance Compliance Federal Compliance TRID Defect 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 $-356.00. xxxx       xxxx
 11/08/2021 1 A ID Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847888 23571949   Compliance Compliance Federal Compliance TRID Defect 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 $27.44 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/05/2021 1 A ID Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847903 23538559   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/09/2021 1 A LA Second Home Refinance - Rate/Term Lender to provide updated ATR/QM status D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847903 23538560   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/09/2021 1 A LA Second Home Refinance - Rate/Term   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847903 23539689   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 11/17/2021 1 A LA Second Home Refinance - Rate/Term   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847903 23544182   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A LA Second Home Refinance - Rate/Term   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847903 23663155   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster.           xxxx
 11/17/2021 1 A LA Second Home Refinance - Rate/Term   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847908 23541151   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/04/2021 1 A UT Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847908 23541387   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/04/2021 1 A UT Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847910 23535171   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/02/2021 1 A FL Second Home Purchase   C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847910 23536038   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase   C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847910 23536045   Compliance Compliance Federal Compliance TRID 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 $2,994.75 exceeds tolerance of $2,185.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/29/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847916 23547267   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847916 23547416   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.           xxxx
 11/04/2021 1 A CA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847921 23548214   Compliance Compliance Federal Compliance TRID Defect 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 $224.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/03/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847929 23557765   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/04/2021 1 A AZ Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847929 23557853   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/03/2021 1 A AZ Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847929 23557876   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/11/2021 1 A AZ Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847929 23751139   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B AZ Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847947 23516800   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/xxxx not accurate. xxxx       xxxx
 11/03/2021 2 B CA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847947 23516837   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Homeowners Insurance Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. xxxx       xxxx
 11/03/2021 2 B CA Second Home Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847947 23516838   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Property Taxes Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether property taxes are included in escrow. xxxx       xxxx
 11/03/2021 2 B CA Second Home Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847951 23642894   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B ME Second Home Purchase   B B A A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847955 23558324   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A WA Second Home Refinance - Cash-out - Other   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847955 23559433   Compliance Compliance Federal Compliance TRID Defect 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 $36.45 exceeds tolerance of $34.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/03/2021 1 A WA Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847956 23647857   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/08/2021 1 A WA Second Home Refinance - Cash-out - Other   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847956 23647860   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/08/2021 1 A WA Second Home Refinance - Cash-out - Other   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847956 23647915   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/08/2021 1 A WA Second Home Refinance - Cash-out - Other   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847956 23648440   Compliance Compliance Federal Compliance TRID Defect 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 $-57.00. xxxx       xxxx
 11/08/2021 1 A WA Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847956 23648441   Compliance Compliance Federal Compliance TRID Defect 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 $3,815.28 exceeds tolerance of $3,573.41.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A WA Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847960 23634027   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___; xxxx       xxxx
 11/11/2021 1 A NC Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847963 23626644   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and does not have 2 months business bank statements. (GSE COVID-19) - xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847963 23631075   Compliance Compliance Federal Compliance TRID 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 $62.31 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/04/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847963 23652418   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___;         xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847969 23619648   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847969 23653062   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B FL Second Home Purchase   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847971 23644952   Compliance Compliance Federal Compliance TRID Defect 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 $497.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847971 23644953   Compliance Compliance Federal Compliance TRID Defect 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 $995.00 exceeds tolerance of $395.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847972 23590986   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7           xxxx
 11/12/2021 1 A SC Second Home Refinance - Rate/Term   C B A A A A C B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847972 23763650   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 Note Date:  ___; Lien Position: ___           2 B SC Second Home Refinance - Rate/Term   C B A A A A C B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847977 23620629   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   xxxx       xxxx
 11/10/2021 1 A CA Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847977 23620887   Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003/Declarations:  D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes.  Unable to determine qualification without this information. - xxxx       xxxx
 11/08/2021 1 A CA Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847978 23568457   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/11/2021 1 A NC Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847985 23523529   Compliance Compliance Federal Compliance TRID Defect 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 2,823.36 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/03/2021 2 B AZ Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847985 23523531   Compliance Compliance Federal Compliance TRID 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 $500.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/28/2021 1 A AZ Second Home Purchase Final CD evidences Cure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847985 23523532   Compliance Compliance Federal Compliance TRID 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 $30.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/28/2021 1 A AZ Second Home Purchase Final CD evidences Cure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302847985 23538176   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/02/2021 1 A AZ Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847988 23514989   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A ME Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847988 23515440   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided           xxxx
 11/01/2021 1 A ME Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847988 23516307   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and does not have 2 months business bank statements. (GSE COVID-19) - xxxx       xxxx
 11/01/2021 1 A ME Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847988 23526517   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/01/2021 1 A ME Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847989 23630657   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B ME Second Home Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302847989 23630976   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___; xxxx       xxxx
 11/10/2021 1 A ME Second Home Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848000 23557979   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___; xxxx       xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848000 23558376   Credit Income Document Error Income YTD P&L Statement was not signed and/or dated by Borrower.  (GSE COVID-19) - xxxx       xxxx
 12/09/2021 1 A CA Second Home Refinance - Rate/Term   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848000 24044239   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/09/2021 1 A CA Second Home Refinance - Rate/Term   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848005 23568680   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A ME Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848005 23577124   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/10/2021 1 A ME Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848008 23564132   Compliance Compliance Federal Compliance TRID 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 $650.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/01/2021 1 A NJ Second Home Purchase Final CD evidences Cure D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302848008 23592162   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized. The only valuation provided was a Drive by. It is interpreted that this Drive By  was used in lieu of URAR and that this file is missing the secondary valuation (GSE COVID19)   xxxx       xxxx
 11/08/2021 1 A NJ Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848008 23635824   Property Property - Appraisal Appraisal Documentation Property - Appraisal 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:  ___;
Closing Date:  ___		 xxxx       xxxx
 11/08/2021 1 A NJ Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848012 23571995   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/09/2021 1 A CA Second Home Refinance - Cash-out - Other   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302848012 23612657   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Cash-out - Other   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302848012 23613116   Compliance Compliance Federal Compliance TRID Defect 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 17,138.88 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/12/2021 2 B CA Second Home Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302848012 23615115   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/08/2021 1 A CA Second Home Refinance - Cash-out - Other   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302848013 23574782   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A CA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848013 23574814   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   xxxx       xxxx
 11/09/2021 1 A CA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848013 23574968   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/11/2021 1 A CA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848022 23543417   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/10/2021 1 A NH Second Home Refinance - Rate/Term   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302848022 23544308   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___; xxxx       xxxx
 11/11/2021 1 A NH Second Home Refinance - Rate/Term   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302848022 23544804   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and does not have 2 months business bank statements. (GSE COVID-19) -         xxxx
 11/04/2021 1 A NH Second Home Refinance - Rate/Term   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302848022 23544920   Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Issue Date >  Closing Disclosure Issue Date TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided.         xxxx
 11/04/2021 1 A NH Second Home Refinance - Rate/Term No Defined cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302848023 23640667   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A ID Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848025 23539366   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848025 23543132   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/02/2021 1 A CA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848025 23573746   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B CA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848026 23535575   Compliance Compliance Federal Compliance TRID 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 $41.00 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/29/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302848029 23643118   Credit Income Document Error Income YTD P&L Statement was not signed and/or dated by Borrower.  (GSE COVID-19) - xxxx       xxxx
 11/08/2021 1 A VT Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848029 23657340   Compliance Compliance Federal Compliance TRID 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 $168.50 exceeds tolerance of $84.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A VT Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302848034 23531386   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/09/2021 1 A DE Second Home Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302848034 23531387   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/09/2021 1 A DE Second Home Refinance - Cash-out - Other   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848034 23636363   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. xxxx       xxxx
 11/09/2021 1 A DE Second Home Refinance - Cash-out - Other   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848034 23636364   Compliance Compliance Federal Compliance ATR/QM Defect 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 42.62318% moderately exceeds the guideline maximum of 41.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 11/09/2021 1 A DE Second Home Refinance - Cash-out - Other   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848034 23683527   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/09/2021 1 A DE Second Home Refinance - Cash-out - Other   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848038 23557878   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A FL Second Home Refinance - Cash-out - Other   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848038 23578514   Compliance Compliance Federal Compliance TRID 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 $1,188.00 exceeds tolerance of $1,013.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/02/2021 1 A FL Second Home Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302848041 23548202   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,640.00 exceeds tolerance of $1,394.00 plus 10% or $1,533.40.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/29/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302848041 23548203   Compliance Compliance Federal Compliance TRID 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 $63.50 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/29/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302848047 23647621   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848052 23522820   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/10/2021 1 A MD Second Home Refinance - Cash-out - Other   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848053 23520144   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/09/2021 1 A PA Second Home Refinance - Cash-out - Other   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848067 23634192   Compliance Compliance Federal Compliance TRID 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 $8,975.55 exceeds tolerance of $8,966.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase Final CD evidences Cure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302848067 23634215   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B FL Second Home Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848075 23568781   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/24/2021 1 A AZ Second Home Refinance - Cash-out - Other   C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848075 23568890   Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   xxxx       xxxx
 11/24/2021 1 A AZ Second Home Refinance - Cash-out - Other   C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848075 23568945   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/01/2021 1 A AZ Second Home Refinance - Cash-out - Other Final CD evidences Cure C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302848075 23593260   Credit Loan Package Documentation Closing / Title Loan Package Documentation Title Error: Title vesting does not concur with deed   xxxx       xxxx
 11/18/2021 1 A AZ Second Home Refinance - Cash-out - Other   C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848079 23567209   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848079 23766729   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B CA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848086 23650193   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 11/10/2021 1 A CT Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848088 23643348   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount. The Final Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. xxxx       xxxx
 11/10/2021 1 A MI Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848088 23643385   Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. xxxx       xxxx
 11/10/2021 1 A MI Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848088 23643867   Credit Income Document Error Income YTD P&L Statement does not include the  most recent month preceding the application date.   (GSE COVID-19) - xxxx       xxxx
 11/10/2021 1 A MI Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848088 23644870   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver.  AVM supports value.  Vendor/FSD do not meet Fitch criteria.; Sec ID: 26 Note Date:  ___; Lien Position: ___           2 B MI Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848088 23645087   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/10/2021 1 A MI Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848091 23630101   Compliance Compliance Federal Compliance Flood 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. xxxx         2 B FL Second Home Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302848091 23630104   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,015.55 exceeds tolerance of $3,015.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/11/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302848091 23740978   Compliance Compliance Federal Compliance TRID 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 $3,015.55 exceeds tolerance of $3,015.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/11/2021 1 A FL Second Home Purchase Final CD evidences Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302853710 22103461   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 08/12/2021 1 A GA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853710 22148197   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 08/19/2021 1 A GA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853742 22124515   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing:  Employer Letter, Paystub, Bank Statement within 10 days before note date or prior to disbursement date. -         xxxx
 08/13/2021 1 A GA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853766 22164504   Credit Income Document Error Income YTD P&L Statement was not signed and/oor dated  by Borrower.  (GSE COVID-19) - xxxx       xxxx
 08/29/2021 1 A CA Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853777 22103922   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided           xxxx
 08/25/2021 1 A CA Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853777 22118616   Compliance Compliance Miscellaneous Compliance Compliance TRID Error: Cash at settlement from or to borrower is blank. - xxxx       xxxx
 08/25/2021 1 A CA Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853777 22118706   Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. xxxx       xxxx
 08/25/2021 1 A CA Second Home Purchase No Defined Cure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853777 22118757   Compliance Compliance Federal Compliance TRID Defect 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 $490.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/02/2021 2 B CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302853813 22119315   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $160.00 plus 10% or $176.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/09/2021 1 A CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302853835 22099980   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 08/26/2021 1 A AR Second Home Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853835 22104481   Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   xxxx       xxxx
 08/26/2021 1 A AR Second Home Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853835 22104571   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 08/26/2021 1 A AR Second Home Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853835 22106780   Compliance Compliance Federal Compliance TRID Defect 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 $1,050.00 exceeds tolerance of $700.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/20/2021 2 B AR Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302853835 22107048   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing:  Employer Letter, Paystub, Bank Statement within 10 days before note date or prior to disbursement date. - xxxx       xxxx
 08/26/2021 1 A AR Second Home Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853836 22118239   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 09/02/2021 2 B NV Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302853840 22096512   Compliance Compliance Federal Compliance TRID Defect 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 $-628.00. xxxx       xxxx
 09/02/2021 1 A CO Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302853840 22128887   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 08/25/2021 1 A CO Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853840 22143158   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 08/29/2021 1 A CO Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302853849 22122329   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 09/10/2021 1 A VA Second Home Refinance - Cash-out - Home Improvement   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857219 23627652   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B CA Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857219 23627672   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           xxxx
 11/09/2021 1 A CA Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857221 23622435   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A GA Second Home Refinance - Rate/Term   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857223 23661752   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B CA Second Home Refinance - Rate/Term   B B A A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857242 23634388   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B MI Second Home Refinance - Rate/Term   B B A A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857243 23627300   Compliance Compliance Federal Compliance TRID 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 $525.00 exceeds tolerance of $455.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857253 23634218   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/09/2021 1 A AZ Second Home Refinance - Rate/Term No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857253 23634219   Compliance Compliance Federal Compliance TRID Defect 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 $585.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/11/2021 1 A AZ Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857253 23694288   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/10/2021 1 A AZ Second Home Refinance - Rate/Term No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857260 23622222   Compliance Compliance Federal Compliance TRID Defect 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 2,662.08 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/23/2021 2 B FL Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure D B A A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857260 23622396   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/10/2021 1 A FL Second Home Refinance - Rate/Term   D B A A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857260 23710428   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B FL Second Home Refinance - Rate/Term   D B A A C B D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857272 23629146   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/09/2021 1 A AL Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857272 23629604   Compliance Compliance Federal Compliance TRID Defect 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 $351.27 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A AL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857274 23643335   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 12/21/2021 1 A CA Second Home Refinance - Limited Cash-out GSE No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857278 23630809   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx       xxxx
 11/12/2021 1 A FL Second Home Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857278 23631409   Compliance Compliance Federal Compliance Missing Application Date Missing Initial Loan Application Test No evidence of application date located in file.  Compliance tests were run using an application date of xx/xx/xxxx which is 1 months prior to consummation. A lookback was performed to determine this application date.         xxxx
 11/12/2021 1 A FL Second Home Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857278 23631410   Compliance Compliance Federal Compliance TILA NMLS - Missing Evidence of Initial Loan Application Date Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.         xxxx
 11/12/2021 1 A FL Second Home Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857278 23631641   Compliance Loan Package Documentation Closing / Title Loan Package Documentation Creditor Application Date Sourced from LOS Screen Shot Provided Date is less than 7 days prior to consummation. Please confirm date input reflects the appropriate date. -         xxxx
 11/12/2021 1 A FL Second Home Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857282 23625163   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/10/2021 1 A WA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857282 23625168   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/10/2021 1 A WA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857282 23625393   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/10/2021 1 A WA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857282 23626190   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/10/2021 1 A WA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857282 23627410   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and does not have 2 months business bank statements. (GSE COVID-19) - xxxx       xxxx
 11/09/2021 1 A WA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857282 23628078   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 11/10/2021 1 A WA Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857282 23628079   Compliance Compliance Federal Compliance TRID Defect 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 $775.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A WA Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857285 23629326   Compliance Compliance Federal Compliance TRID 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 $51.75 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A MI Second Home Refinance - Rate/Term Final CD evidences Cure B B A A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857285 23629400   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B MI Second Home Refinance - Rate/Term   B B A A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857298 23532017   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/02/2021 1 A FL Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857313 23619897   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B MN Second Home Refinance - Cash-out - Home Improvement   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857313 23619898   Compliance Compliance Federal Compliance TRID 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 $8.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A MN Second Home Refinance - Cash-out - Home Improvement Final CD evidences Cure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857313 23619899   Compliance Compliance Federal Compliance TRID 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 $85.00 exceeds tolerance of $79.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A MN Second Home Refinance - Cash-out - Home Improvement Final CD evidences Cure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857317 23647676   Compliance Compliance Federal Compliance TRID 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 $603.00 exceeds tolerance of $560.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A FL Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302857318 23547331   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date.   xxxx       xxxx
 11/02/2021 1 A NV Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857319 23576840   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/04/2021 1 A CA Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857323 23627288   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/08/2021 1 A CA Second Home Purchase   C A C A A A B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857323 23628856   Property Property - Appraisal Appraisal Documentation Property - Appraisal 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:  ___;
Closing Date:  ___		         xxxx
 11/10/2021 1 A CA Second Home Purchase   C A C A A A B A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857327 23571739   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/12/2021 1 A CA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857327 23763628   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B CA Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857340 23569613   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/05/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857340 23570607   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/05/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857340 23571567   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/04/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857340 23571572   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/05/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857340 23651574   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/11/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857341 23626432   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/12/2021 1 A MI Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857341 24384034   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___ xxxx         2 B MI Second Home Refinance - Rate/Term   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857348 23632162   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/08/2021 1 A DE Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857348 23632261   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B DE Second Home Refinance - Rate/Term   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857354 23527262   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/02/2021 1 A FL Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857358 23537718   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/02/2021 1 A CA Second Home Refinance - Cash-out - Other   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857358 23540310   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/02/2021 1 A CA Second Home Refinance - Cash-out - Other   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857358 23575352   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B CA Second Home Refinance - Cash-out - Other   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857362 23518167   Compliance Compliance Federal Compliance TRID 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 $78.00 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A CA Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302857393 23646291   Credit Property - Appraisal General Appraisal Requirements Property - Appraisal Subject is a refinance and property is listed for sale. - xxxx       xxxx
 11/17/2021 1 A MI Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857393 23690534   Compliance Compliance Federal Compliance TRID 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 $30.00 plus 10% or $33.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/08/2021 1 A MI Second Home Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857395 23560155   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/04/2021 1 A GA Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857396 23565623   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 11/04/2021 1 A OH Second Home Purchase   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857396 23566220   Compliance Compliance Federal Compliance TRID 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 $0.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/01/2021 1 A OH Second Home Purchase Final CD evidences Cure D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857396 23930708   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___           2 B OH Second Home Purchase   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857398 23622546   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date.   xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857398 23651486   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857400 23638793   Credit Missing Document General Missing Document Missing Document: Cancelled Check(s) not provided   xxxx       xxxx
 11/10/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857407 23544924   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/05/2021 1 A NY Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857407 23566152   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/05/2021 1 A NY Second Home Refinance - Cash-out - Other   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857416 23634368   Compliance Compliance Federal Compliance TRID 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 $1,567.50 exceeds tolerance of $570.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857421 23644800   Compliance Compliance Federal Compliance TRID 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 $525.00 exceeds tolerance of $455.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857429 23628115   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857429 23628290   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857429 23628778   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857429 23628783   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/09/2021 1 A FL Second Home Purchase   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857429 23630517   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx         2 B FL Second Home Purchase   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857431 23641734   Compliance Compliance Federal Compliance TRID 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 $505.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A TN Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857431 23641735   Compliance Compliance Federal Compliance TRID 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 $149.04 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A TN Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857431 23642003   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/11/2021 1 A TN Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857431 23685042   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/10/2021 1 A TN Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857438 23557640   Compliance Compliance Federal Compliance TRID 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 $515.00 exceeds tolerance of $480.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/01/2021 1 A FL Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857445 23642710   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857445 23643477   Compliance Compliance Federal Compliance TRID 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 $85.15 exceeds tolerance of $75.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857449 23568073   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/05/2021 1 A PA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857449 23568571   Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003/Declarations:  D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes.  Unable to determine qualification without this information. -         xxxx
 11/05/2021 1 A PA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857449 23568583   Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003/Declarations:  F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes.  Missing  documented and/or does not meet guideline requirements. -         xxxx
 11/05/2021 1 A PA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857449 23608935   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/05/2021 1 A PA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857451 23623866   Compliance Compliance State Compliance State Defect Illinois SB 1894 IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. xxxx       xxxx
 11/08/2021 1 A IL Second Home Purchase   C B A A C A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857451 23630164   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B IL Second Home Purchase   C B A A C A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857454 23568903   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 11/09/2021 1 A MO Second Home Purchase   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857454 23594918   Compliance Compliance Federal Compliance TRID 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 $79.70 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/03/2021 1 A MO Second Home Purchase Final CD evidences Cure D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857454 23594919   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/05/2021 1 A MO Second Home Purchase   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857454 23930910   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___           2 B MO Second Home Purchase   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857455 23633792   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___           2 B CA Second Home Purchase   B B A A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857456 23630614   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 11/12/2021 1 A CT Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857456 23717488   Compliance Compliance Federal Compliance TRID 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 $470.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/09/2021 1 A CT Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857461 23566624   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/17/2021 1 A FL Second Home Purchase Lender to provide updated ATR/QM status C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857461 23566625   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/17/2021 1 A FL Second Home Purchase   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857465 23625969   Compliance Compliance Federal Compliance TRID Defect 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 $869.50 exceeds tolerance of $868.25.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/08/2021 1 A GA Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857465 23625970   Compliance Compliance Federal Compliance TRID Defect 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 $41.00 exceeds tolerance of $31.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/08/2021 1 A GA Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857465 23653463   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 12/03/2021 1 A GA Second Home Refinance - Rate/Term   D B A A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857465 23681143   Compliance Compliance Federal Compliance TRID 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 $41.00 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/08/2021 1 A GA Second Home Refinance - Rate/Term Final CD evidences Cure D B A A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857465 23938299   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___           2 B GA Second Home Refinance - Rate/Term   D B A A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857474 23630969   Property Property - Appraisal Appraisal Documentation Property - Appraisal 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:  ___;
Closing Date:  ___		           2 B FL Second Home Purchase   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857474 23644713   Compliance Compliance Federal Compliance TRID 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 $34.00 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A FL Second Home Purchase Final CD evidences Cure C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857474 23644864   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   C B C A A A B B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857477 23563094   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/08/2021 1 A TN Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857479 23632464   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/10/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857479 23661842   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___; xxxx       xxxx
 11/10/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857479 23661843   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/10/2021 1 A CA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857484 23631166   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/10/2021 1 A DE Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857489 23644116   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___ xxxx       xxxx
 11/24/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857489 23656509   Credit Income Document Error Income YTD P&L Statement was not signed and/or dated by Borrower.  (GSE COVID-19) - xxxx       xxxx
 11/24/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857489 23656510   Credit Income Document Error Income YTD P&L Statement was not signed and/or dated by Borrower.  (GSE COVID-19) - xxxx       xxxx
 11/24/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857489 23656637   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - xxxx       xxxx
 11/24/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857493 23555532   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/03/2021 1 A VA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857493 23570245   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 12/07/2021 1 A VA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857493 24019419   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___           2 B VA Second Home Refinance - Rate/Term   D B C A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857498 23640354   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase No Defined Cure C B A A C A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857498 23644421   Property Property - Appraisal Appraisal Documentation Property - Appraisal 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:  ___;
Closing Date:  ___		 xxxx         2 B FL Second Home Purchase   C B A A C A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857498 23696611   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $892.50 exceeds tolerance of $311.00 plus 10% or $342.10.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase Final CD evidences Cure C B A A C A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302857512 23548644   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.           xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857512 23548647   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857512 23548675   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857512 23548676   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857512 23548922   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe.  Asset Account date is more than 60 days prior to the Note date or notary date. - Note Date: ___;  Notary Date: ___         xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857512 23549194   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/03/2021 1 A CA Second Home Refinance - Rate/Term No Defined Cure D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857512 23570373   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 12/21/2021 1 A CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857512 24214505   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___ xxxx         2 B CA Second Home Refinance - Rate/Term   D B C A C A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857523 23547637   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/03/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857523 23548809   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/03/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857524 23635625   Compliance Compliance Federal Compliance TRID 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 $39.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A FL Second Home Purchase Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857532 23567338   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 11/08/2021 1 A FL Second Home Purchase   C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857532 23568396   Compliance Compliance Federal Compliance Missing Disclosure 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.         xxxx
 12/02/2021 1 A FL Second Home Purchase   C A C A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857536 23561234   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/08/2021 1 A TX Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857536 23591237   Credit Income Document Error Income YTD P&L Statement was not signed and/or dated by Borrower.  (GSE COVID-19) - xxxx       xxxx
 11/08/2021 1 A TX Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857538 23543182   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A CT Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857538 23554259   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/05/2021 1 A CT Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857543 23553709   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/02/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857545 23625721   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $80.00 plus 10% or $88.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A UT Second Home Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857545 23625722   Compliance Compliance Federal Compliance TRID 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 $105.45 exceeds tolerance of $80.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A UT Second Home Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857547 23537239   Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003           xxxx
 11/02/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857547 23538004   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $215.50 exceeds tolerance of $182.00 plus 10% or $200.20.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/29/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857547 23546650   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___ xxxx       xxxx
 11/04/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857547 23546791   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided           xxxx
 11/02/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857549 23642888   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/10/2021 1 A FL Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857549 23690574   Compliance Compliance Federal Compliance TRID 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 $505.00 exceeds tolerance of $465.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase Final CD evidences Cure D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857555 23532704   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/31/2021 1 A CT Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857555 23532705   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire.  Fee Amount of $336.00 exceeds tolerance of $150.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/29/2021 2 B CT Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857555 23553738   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 11/03/2021 1 A CT Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857557 23622665   Compliance Compliance Federal Compliance TRID Defect 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 16,312.08 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/29/2021 2 B FL Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302857557 23622667   Compliance Compliance Federal Compliance TRID Defect 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 $684.14 exceeds tolerance of $294.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/09/2021 1 A FL Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302857557 23622668   Compliance Compliance Federal Compliance TRID Defect 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 $2,123.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/09/2021 1 A FL Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302857557 23623398   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/08/2021 1 A FL Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857557 23623800   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/08/2021 1 A FL Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857557 23694450   Compliance Compliance Federal Compliance TRID 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 $2,145.00 exceeds tolerance of $2,123.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/09/2021 1 A FL Second Home Refinance - Rate/Term Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302857569 23630892   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36   xxxx       xxxx
 11/12/2021 1 A FL Second Home Purchase   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857569 23940634   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___           2 B FL Second Home Purchase   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857575 23589429   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___; xxxx       xxxx
 11/04/2021 1 A MI Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857578 23640850   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Flood insurance coverage amount is insufficient.           xxxx
 11/10/2021 1 A SC Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857578 23642628   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and does not have 2 months business bank statements. (GSE COVID-19) -         xxxx
 11/10/2021 1 A SC Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857578 23643016   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/10/2021 1 A SC Second Home Purchase No Defined Cure C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857578 23643098   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B SC Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857578 23645513   Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003   xxxx       xxxx
 11/10/2021 1 A SC Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857581 23621487   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A ID Second Home Refinance - Cash-out - Other   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857585 23567197   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/15/2021 1 A FL Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857585 23567308   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/15/2021 1 A FL Second Home Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302857585 23607052   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___; xxxx       xxxx
 11/09/2021 1 A FL Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857594 23698601   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing:  Employer Letter, Paystub, Bank Statement within 10 days before note date or prior to disbursement date. - xxxx       xxxx
 11/16/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857621 23640174   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/12/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857627 23626121   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ xxxx       xxxx
 11/08/2021 1 A NY Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857634 23572322   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/05/2021 2 B CA Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857634 23572323   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/05/2021 2 B CA Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857634 23572324   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/05/2021 1 A CA Second Home Purchase No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857634 23572325   Compliance Compliance Federal Compliance TRID Defect 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 $1,707.59 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/05/2021 1 A CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857634 23636594   Compliance Compliance Federal Compliance TRID 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 $1,707.59 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. xxxx       xxxx
 11/05/2021 1 A CA Second Home Purchase   C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302857642 23624657   Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - xxxx       xxxx
 11/08/2021 1 A FL Second Home Refinance - Rate/Term   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857668 23646042   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/09/2021 1 A MN Second Home Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857668 23648228   Compliance Compliance Federal Compliance TRID 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 $110.00 exceeds tolerance of $105.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A MN Second Home Refinance - Cash-out - Other Final CD evidences Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302857668 23650898   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/11/2021 1 A MN Second Home Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857668 23650901   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and does not have 2 months bank statements. (GSE COVID-19) - xxxx       xxxx
 11/10/2021 1 A MN Second Home Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857668 23650979   Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) 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. xxxx       xxxx
 11/10/2021 1 A MN Second Home Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302857671 23620614   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/09/2021 1 A ME Second Home Refinance - Rate/Term   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302857671 23620807   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/19/2021 1 A ME Second Home Refinance - Rate/Term No Defined Cure D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302858304 22969428   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 07/23/2021 1 A PA Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302859227 22344840   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 08/30/2021 1 A CA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302859798 22443176   Compliance Compliance Federal Compliance TRID 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 $965.00 exceeds tolerance of $910.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 08/17/2021 1 A OR Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302859798 22446231   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ xxxx       xxxx
 11/29/2021 1 A OR Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302859873 22388696   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 10/15/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302859873 22388790   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 12/16/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302859873 22388791   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 12/16/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302859873 22388794   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 10/13/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302859873 22388795   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 10/13/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302859873 22388796   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 10/13/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302859873 22388948   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. xxxx       xxxx
 10/15/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302859873 22388949   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 10/13/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302859873 22388950   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 12/16/2021 1 A FL Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) Yes
302859873 22519371   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 10/13/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302859873 22526924   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 10/15/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302859873 22532091   Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         xxxx
 10/15/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302859873 24170002   Compliance Compliance Federal Compliance ATR/QM Defect Check Restated Loan Designation Match - QM / ATR Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). xxxx         2 B FL Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM Safe Harbor QM (APOR) No
302860276 22537143   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - C-Corp 1120 General QM: Unable to verify C-Corp income using reasonably reliable third-party records. xxxx       xxxx
 11/19/2021 1 A CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302860276 22537757   Compliance Compliance Federal Compliance TRID Defect 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 $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/02/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302860276 22537777   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,346.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-8,268.00. xxxx       xxxx
 09/22/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302860276 22537987   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/19/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302860276 22986118   Compliance Compliance Federal Compliance TRID 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 $200.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/22/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302860276 23839952   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302865015 23014009   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/30/2021 1 A CA Second Home Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302865024 22105426   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302865024 22105467   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines General QM: The DTIs calculated in accordance with the Lenders Guidelines of 48.83100% and based on 1026.43(e) of 48.83095% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302865024 22105471   Compliance Compliance Federal Compliance TRID Defect 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 3,984.96 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/29/2021 1 A CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302865024 22105472   Compliance Compliance Federal Compliance TRID 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.         xxxx
 11/22/2021 1 A CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302865024 22115096   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 11/29/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302865024 22115099   Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. xxxx       xxxx
 08/25/2021 1 A CA Primary Purchase No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302865024 22115196   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.         xxxx
 11/29/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302865024 23825974   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302865024 23826147   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. xxxx       xxxx
 11/29/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302865024 23826149   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Schedule C General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. xxxx       xxxx
 11/29/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302865024 23851630   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/29/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302865024 23870007   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/24/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302865024 23878731   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.         xxxx
 11/29/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302866316 22883983   Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). xxxx       xxxx
 09/21/2021 1 A FL Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM No
302866316 22884004   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 09/21/2021 1 A FL Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM No
302866316 22884005   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 09/21/2021 1 A FL Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM No
302866316 22884006   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 09/21/2021 1 A FL Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
302869759 22603423   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 10/01/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302869759 22603649   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 10/01/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302869759 22603650   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 10/01/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302881906 22706280   Credit Missing Document General Missing Document Missing Document: Official Check not provided   xxxx       xxxx
 10/27/2021 1 A AZ Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302881906 22730299   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. xxxx       xxxx
 10/04/2021 1 A AZ Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302881906 22730386   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 10/04/2021 1 A AZ Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302889335 23173448   Compliance Compliance Federal Compliance TRID 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 $1,540.00 exceeds tolerance of $1,513.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/08/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302889598 21938343   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 10/19/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302889598 21938402   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 08/10/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302889598 21938445   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   xxxx       xxxx
 11/05/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302889598 21938584   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 11/04/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302889598 21995022   Credit Credit Credit Documentation Credit No evidence of fraud report in file -         xxxx
 09/10/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302889598 22208306   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. xxxx       xxxx
 10/19/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302889613 21900796   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 09/09/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302889617 21941279   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 09/09/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302889980 22208588   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. xxxx       xxxx
 11/08/2021 1 A GA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302889980 22208589   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/08/2021 1 A GA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM Yes
302889980 22456796   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 10/04/2021 1 A GA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302889980 22863660   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 10/04/2021 1 A GA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302889980 23677721   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/12/2021 1 A GA Primary Purchase   C A C A C A A A Safe Harbor QM Safe Harbor QM No
302890992 21994318   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 09/01/2021 1 A FL Second Home Purchase   C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302890992 21994510   Credit Guideline Guideline Issue Guideline Employment was not verified within 10 days of the note date. - xxxx The Loan to Value (LTV) on the loan is less than or equal to 70%.

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.

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 is above 680.		 739 FICO Owner

Owner

Owner

Owner

Owner

Owner,Aggregator		 xxxx
 09/03/2021 2 B FL Second Home Purchase   C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302890992 21995135   Compliance Compliance Federal Compliance TRID Defect 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 7,684.32 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 09/01/2021 2 B FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302890992 21995137   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 08/10/2021 1 A FL Second Home Purchase No Defined Cure C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302890992 22152850   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. xxxx       xxxx
 09/01/2021 2 B FL Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302890992 22153069   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 08/18/2021 1 A FL Second Home Purchase   C B C B C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302893056 22125481   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $775.00 exceeds tolerance of $590.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/13/2021 2 B UT Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302893073 22123052   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 09/07/2021 1 A FL Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302893073 22123079   Compliance Compliance Federal Compliance TRID Defect 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 $490.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/17/2021 2 B FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302896018 23763415   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,350.00 exceeds tolerance of $1,150.00 plus 10% or $1,265.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/12/2021 1 A NJ Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302897890 23059794   Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided   xxxx       xxxx
 10/01/2021 1 A HI Second Home Purchase   D B D A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302897890 23062752   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 09/29/2021 2 B HI Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable D B D A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302897890 23062753   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 09/29/2021 2 B HI Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable D B D A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302897890 23062755   Compliance Compliance Federal Compliance TRID 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 $23,284.80 exceeds tolerance of $22,437.00.  Sufficient or excess cure was provided to the borrower. xxxx       xxxx
 09/29/2021 1 A HI Second Home Purchase   D B D A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302897890 23063927   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/16/2021 1 A HI Second Home Purchase Lender to provide updated ATR/QM status D B D A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302897890 23063928   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 12/16/2021 1 A HI Second Home Purchase   D B D A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302898891 22150960   Compliance Compliance Federal Compliance TRID 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 $112.50 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 08/05/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302899229 22854276   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 10/11/2021 1 A FL Second Home Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302899229 22854277   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines General QM: The DTIs calculated in accordance with the Lenders Guidelines of 48.81134% and based on 1026.43(e) of 48.81132% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 10/11/2021 1 A FL Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302899229 22854348   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 10/11/2021 1 A FL Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302899229 22854350   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 10/11/2021 1 A FL Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302899229 22854368   Credit Loan Package Documentation Application / Processing Loan Package Documentation Incorrect URLA form type used.  Application date is on or after 3/1/21, and former 1003 version was used.   xxxx       xxxx
 12/01/2021 1 A FL Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302899229 22855085   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 10/11/2021 1 A FL Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302902155 22390103   Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Appraisal is required to be in name of Lender - xxxx         2 B AZ Primary Refinance - Cash-out - Other   C B C A A A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302902155 22440074   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 09/28/2021 1 A AZ Primary Refinance - Cash-out - Other   C B C A A A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302902155 22441502   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 09/28/2021 1 A AZ Primary Refinance - Cash-out - Other   C B C A A A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302902164 22728968   Compliance Compliance Federal Compliance TRID Defect 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 10,257.72 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/03/2021 1 A FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302905488 23072132   Compliance Compliance Federal Compliance TRID 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 $910.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 09/30/2021 1 A GA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302908880 22239483   Compliance Compliance Federal Compliance Missing Required Data (other than HUD-1 or Note) 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.         xxxx
 11/22/2021 1 A NY Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302908880 22239484   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/22/2021 1 A NY Primary Refinance - Cash-out - Other No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302908880 22239485   Compliance Compliance Federal Compliance TRID 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 $156.00 plus 10% or $171.60.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 08/11/2021 1 A NY Primary Refinance - Cash-out - Other Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302908880 23010671   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 09/27/2021 1 A NY Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302909128 23217570   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 10/24/2021 1 A OK Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302909128 23217635   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 2 B OK Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302909128 23217636   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 11/16/2021 2 B OK Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302909128 23260885   Compliance Compliance Federal Compliance TRID 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 $24,643.84 exceeds tolerance of $16,409.48.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/19/2021 1 A OK Primary Refinance - Cash-out - Other Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302922001 22236884   Compliance Compliance Federal Compliance TRID TRID Settlement Service Provider Status TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. xxxx       xxxx
 10/18/2021 1 A GA Second Home Purchase No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302922001 22236914   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,919.50 exceeds tolerance of $1,032.00 plus 10% or $1,135.20.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/18/2021 1 A GA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302922001 22236915   Compliance Compliance Federal Compliance TRID Defect 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 $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/18/2021 1 A GA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302922001 22236916   Compliance Compliance Federal Compliance TRID Defect 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 $35.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/18/2021 1 A GA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302922020 22134576   Credit Income Document Error Income Tax Return end date is more than 90 days prior to note date.  P&L was not found in file.  (GSE COVID-19) - xxxx       xxxx
 09/07/2021 1 A PA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302922027 22123926   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 10/04/2021 1 A CA Second Home Refinance - Rate/Term   C B C A C A A B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302922027 22123992   Compliance Compliance Federal Compliance TRID Defect 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 $3,540.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/15/2021 1 A CA Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C A A B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302922027 22881153   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys =B). Sec ID: 89 Lien Position: ___           2 B CA Second Home Refinance - Rate/Term   C B C A C A A B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302923850 22835595   Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003/Declarations:  D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? was entered Yes.  Unable to determine qualification without this information. - xxxx       xxxx
 11/30/2021 1 A CA Second Home Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302923850 22843538   Compliance Compliance Federal Compliance TRID Defect 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 $917.70 exceeds tolerance of $668.32.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/06/2021 2 B CA Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302923850 22843539   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,325.00 exceeds tolerance of $950.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/22/2021 1 A CA Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302923850 23896695   Compliance Compliance Federal Compliance TRID 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 $917.70 exceeds tolerance of $668.32.  Sufficient or excess cure was provided to the borrower.         xxxx
 11/30/2021 1 A CA Second Home Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302926162 22973029   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 09/28/2021 1 A CA Primary Refinance - Cash-out - Other No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302926322 23723405   Compliance Compliance Federal Compliance TRID Defect 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 $-500.00. xxxx       xxxx
 12/07/2021 2 B CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302926322 23723406   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 12/07/2021 1 A CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302926322 23723407   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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). xxxx       xxxx
 12/21/2021 2 B CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302927512 22161300   Compliance Compliance Federal Compliance TRID Defect 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 $335.00 exceeds tolerance of $258.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/15/2021 2 B FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302927512 22161666   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $5,562.50 exceeds tolerance of $2,063.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/13/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302927512 22179945   Credit Asset Asset Calculation / Analysis Asset AUS Findings: Available for Reserves discrepancy.   xxxx       xxxx
 10/13/2021 1 A FL Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302927524 22236099   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 10/19/2021 1 A CA Second Home Refinance - Rate/Term   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302927524 22236527   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 10/18/2021 1 A CA Second Home Refinance - Rate/Term   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302927527 22131096   Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003   xxxx       xxxx
 09/03/2021 1 A TN Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302927528 22130429   Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   xxxx       xxxx
 09/20/2021 1 A UT Second Home Refinance - Cash-out - Other   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302927528 22144764   Compliance Compliance Federal Compliance TRID Defect 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 2,200.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 09/27/2021 1 A UT Second Home Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302927528 22150118   Credit Income Document Error Income Tax Return end date is more than 90 days prior to note date.  P&L was not found in file.  (GSE COVID-19) - xxxx       xxxx
 09/27/2021 1 A UT Second Home Refinance - Cash-out - Other   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302927528 22881174   Credit Income Document Error Income Tax Return end date is more than 90 days prior to note date.  P&L was not found in file.  (GSE COVID-19) - xxxx       xxxx
 09/27/2021 1 A UT Second Home Refinance - Cash-out - Other   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302927533 22293515   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $142.00 exceeds tolerance of $97.00 plus 10% or $106.70.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/04/2021 2 B MN Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302927536 22181461   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 09/16/2021 2 B CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302927536 22181521   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 08/31/2021 1 A CA Second Home Purchase   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302927540 22142788   Credit Income Document Error Income YTD P&L Statement does not include the  most recent month preceding the application date.   (GSE COVID-19) - Application Date:  ___;
YTD P&L Date: ___		 xxxx       xxxx
 10/19/2021 1 A FL Second Home Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302927540 22142789   Credit Income Document Error Income YTD P&L Statement was not signed and/oor dated  by Borrower.  (GSE COVID-19) - xxxx       xxxx
 10/19/2021 1 A FL Second Home Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302927540 22143149   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B FL Second Home Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302927540 22143185   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ xxxx       xxxx
 10/14/2021 1 A FL Second Home Purchase   C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302927540 22854246   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for VRM Tech Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/04/2021 2 B FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302927545 22132646   Compliance Compliance Federal Compliance TRID Defect 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 $640.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/28/2021 2 B CO Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302927548 22699827   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___         xxxx
 09/09/2021 1 A OK Second Home Refinance - Cash-out - Other   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302928545 22146066   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,808.40 exceeds tolerance of $217.00 plus 10% or $238.70.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 08/26/2021 1 A FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302932227 22816563   Credit System General Appraisal Reconciliation Valuation address does not match Note address. - xxxx       xxxx
 11/22/2021 1 A FL Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302932227 22820812   Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing Test TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation xxxx       xxxx
 10/07/2021 1 A FL Second Home Refinance - Rate/Term TRID timing exception, no remediation available. C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302932227 22830834   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B FL Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933721 22814907   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 10/06/2021 1 A CO Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933721 22816379   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 10/06/2021 1 A CO Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302933721 22816380   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 10/06/2021 1 A CO Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933732 22797724   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/07/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302933732 22797977   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - C-Corp 1120 General QM: Unable to verify C-Corp income using reasonably reliable third-party records. xxxx       xxxx
 12/07/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933732 22797978   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - C-Corp 1120 General QM: Unable to verify C-Corp income using reasonably reliable third-party records. xxxx       xxxx
 12/07/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933732 22797979   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. xxxx       xxxx
 10/11/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933732 22797980   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. xxxx       xxxx
 10/11/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933732 22798291   Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided           xxxx
 10/13/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933732 22798413   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 10/13/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933732 22799221   Credit 1003 Document Error 1003 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. -         xxxx
 10/13/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933732 22799281   Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Citizenship Source Documentation  was not provided -         xxxx
 10/13/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933732 22851526   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 11/24/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933732 22940098   Compliance Compliance Federal Compliance TRID 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 $725.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 09/17/2021 1 A CA Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302933751 22527528   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.           xxxx
 10/01/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933751 22596644   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 11/30/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302933751 22596686   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/30/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933751 22596687   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/30/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933751 22723340   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 54.54157% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) xxxx       xxxx
 11/30/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933751 22723341   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 11/30/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933986 24319580   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 10/05/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933986 24319582   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 09/28/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302933986 24319583   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/04/2021 2 B CA Primary Refinance - Cash-out - Debt Consolidation Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302933986 24319584   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___.         xxxx
 10/14/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302936226 23584803   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx       xxxx
 11/09/2021 1 A FL Second Home Refinance - Cash-out - Other   B A A A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302936226 23768397   Compliance Compliance Federal Compliance TRID 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 $4,785.00 exceeds tolerance of $4,730.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/15/2021 1 A FL Second Home Refinance - Cash-out - Other Final CD evidences Cure B A A A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302936870 23230436   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 10/20/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302936949 23482653   Compliance Compliance Federal Compliance TRID Defect 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 $25.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/05/2021 2 B CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
302937130 22844127   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302937146 23021737   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Schedule C General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302937146 23021761   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302937146 23023030   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302937146 23645265   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx         2 B CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302937245 23067249   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 12/13/2021 1 A NY Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302937245 23068593   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/04/2021 1 A NY Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302938081 22797925   Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Acknowledgment of Fair Market Value Disclosure Not Provided) Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. xxxx       xxxx
 11/23/2021 1 A TX Primary Refinance - Rate/Term To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree.  Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302938081 22797949   Compliance Compliance State Compliance State Defect (TX50(a)(6)) Texas Cash-out Loan  (Date of first payment does not begin within two (2) months from the date extension of credit was made or loan is not scheduled to be paid in equal monthly installments) Texas Constitution Section 50(a)(6): Date of first payment does not begin within two (2) months from the date extension of credit was made or loan is not scheduled to be paid in equal monthly installments. xxxx       xxxx
 11/23/2021 1 A TX Primary Refinance - Rate/Term Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302938081 22797970   Compliance Compliance Federal Compliance TRID Defect 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 17,410.92 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/08/2021 1 A TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302938081 22824383   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/23/2021 1 A TX Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302938081 23871288   Compliance Compliance State Compliance State Defect Compliant Texas 50(f)(2) loan without signed TX50(f)(2) Affidavit.  Loan is reviewed as a TX50(f)(2) loan. Texas Constitution Section 50(f-1) Affidavit Acknowledging Requirements of Subsection (f)(2) not in file, however, review of loan file indicates loan meets all conditions in 50(f)(2)(a) to (d).  Loan is not reviewed as a TX50(a)(6) loan. xxxx         2 A TX Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302938652 22527610   Credit Loan Package Documentation Closing / Title Loan Package Documentation Title Error: Title vesting does not concur with deed   xxxx       xxxx
 12/03/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302938652 22535736   Compliance Compliance Federal Compliance TRID 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 $705.00 exceeds tolerance of $505.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 08/23/2021 1 A FL Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302938652 22535737   Compliance Compliance Federal Compliance TRID 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 $3,872.00 exceeds tolerance of $3,754.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 08/23/2021 1 A FL Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302943369 22808221   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/03/2021 1 A KY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302943369 22808233   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/03/2021 1 A KY Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302943369 22808234   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - S-Corp General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. xxxx       xxxx
 10/07/2021 1 A KY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302943369 22808238   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 76.20500% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) xxxx       xxxx
 12/03/2021 1 A KY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302943369 22808241   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 12/03/2021 1 A KY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302943369 22824283   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/03/2021 1 A KY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302943369 22841774   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.         xxxx
 12/03/2021 1 A KY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302943369 22841775   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.         xxxx
 12/03/2021 1 A KY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302943369 23934315   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.         xxxx
 12/03/2021 1 A KY Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302943387 22798280   Compliance Compliance Federal Compliance TRID Defect 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 $7,109.67 exceeds tolerance of $2,615.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/07/2021 2 B CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302943387 22798281   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $940.00 exceeds tolerance of $700.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/17/2021 1 A CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302944556 22255032   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 08/20/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944560 22203257   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date.   xxxx       xxxx
 09/29/2021 1 A CA Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944560 22238804   Compliance Compliance Federal Compliance TRID Defect 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 3,913.36 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/04/2021 1 A CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302944564 22253977   Compliance Compliance Federal Compliance TRID Defect 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 $490.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/08/2021 2 B GA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302944569 22180082   Compliance Compliance Federal Compliance TRID Defect 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 3,658.82 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 09/24/2021 1 A NV Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C A A B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302944569 23932175   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___           2 B NV Second Home Purchase   C B A A C A A B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944571 22181335   Credit Guideline Guideline Issue Guideline Aged document: Asset Account date is more than 90 days prior to Closing. - xxxx       xxxx
 08/25/2021 1 A AZ Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944571 22183992   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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.         xxxx
 09/02/2021 1 A AZ Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944577 22250546   Compliance Compliance Federal Compliance TRID Defect 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 9,037.38 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/14/2021 1 A NJ Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302944577 22250557   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/04/2021 1 A NJ Second Home Purchase No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944590 22460532   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 09/29/2021 1 A GA Second Home Purchase No Defined Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944590 22465947   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 09/29/2021 1 A GA Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944593 22240004   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 10/04/2021 1 A MN Second Home Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944593 22240006   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 10/04/2021 1 A MN Second Home Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944593 22240068   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $598.00 exceeds tolerance of $478.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/18/2021 2 B MN Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302944599 22219412   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 09/28/2021 1 A NV Second Home Purchase No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944612 22237057   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 10/04/2021 1 A AZ Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944612 22237065   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 12/02/2021 1 A AZ Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944612 22238014   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 09/28/2021 1 A AZ Second Home Purchase No Defined Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944628 22210260   Credit Property - Appraisal Appraisal Reconciliation Property - Appraisal Status of property as second home is in question due to distance from primary residence. - xxxx       xxxx
 09/13/2021 1 A CA Second Home Refinance - Cash-out - Other   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302944638 22177517   Compliance Compliance Federal Compliance TRID Defect 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 7,689.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/01/2021 2 B FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302944643 22204212   Compliance Compliance Federal Compliance TRID Defect 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 7,447.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/06/2021 2 B FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302944643 22204214   Compliance Compliance Federal Compliance TRID Defect 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 $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/18/2021 2 B FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302944643 22204217   Compliance Compliance Federal Compliance TRID Defect 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 $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/18/2021 2 B FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302945394 23136293   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___         xxxx
 10/23/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945394 23136312   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 10/15/2021 1 A CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302945394 23136313   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - C-Corp 1120 General QM: Unable to verify C-Corp income using reasonably reliable third-party records. xxxx       xxxx
 10/15/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945394 23136317   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 10/13/2021 2 B CA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302945394 23136322   Compliance Compliance Federal Compliance TRID Defect 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 $700.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/13/2021 1 A CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302945394 23211325   Compliance Compliance Federal Compliance TRID 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 $700.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/13/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302945402 23223418   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 10/29/2021 1 A UT Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945402 23226467   Compliance Compliance Federal Compliance TRID 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 $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/14/2021 1 A UT Second Home Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302945540 22358830   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 09/01/2021 1 A CA Primary Refinance - Rate/Term   D A A A A A D A Safe Harbor QM Safe Harbor QM (43-Q) No
302945790 22480635   Compliance Compliance Federal Compliance TRID Defect 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 $8.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/01/2021 2 B NC Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302945912 24319712   Compliance Compliance Federal Compliance TRID Defect 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 $7,312.50 exceeds tolerance of $4,875.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 08/30/2021 1 A NJ Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302945912 24319713   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.         xxxx
 09/17/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319714   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.         xxxx
 09/17/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319715   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.         xxxx
 09/17/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319716   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 09/17/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319717   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 08/26/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319718   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 08/26/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319719   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 09/17/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319720   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 08/26/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319721   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 09/14/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319722   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 10/06/2021 1 A NJ Second Home Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302945912 24319723   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Partnership General QM: Unable to verify current Partnership status using reasonably reliable third-party records. xxxx       xxxx
 09/13/2021 1 A NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319724   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Partnership General QM: Unable to verify current Partnership status using reasonably reliable third-party records. xxxx       xxxx
 09/13/2021 1 A NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319725   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Partnership General QM: Unable to verify current Partnership status using reasonably reliable third-party records. xxxx       xxxx
 09/13/2021 1 A NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319726   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. xxxx       xxxx
 09/13/2021 1 A NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319727   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. xxxx       xxxx
 10/06/2021 1 A NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319729   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 10/04/2021 1 A NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319730   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 09/13/2021 1 A NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319731   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 09/20/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319732   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 09/17/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319733   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 09/20/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319734   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 08/27/2021 1 A NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319735   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 09/13/2021 1 A NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319736   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___         xxxx
 10/04/2021 1 A NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945912 24319737   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.         xxxx
 10/06/2021 2 B NJ Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945929 22717988   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 10/18/2021 1 A CT Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945929 22727903   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 10/04/2021 1 A CT Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945929 22727934   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   xxxx       xxxx
 10/04/2021 1 A CT Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945929 22822560   Compliance Compliance Federal Compliance ATR/QM Defect Overtime Bonus Method of Calculation Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. xxxx       xxxx
 10/04/2021 1 A CT Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945929 23252280   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 10/20/2021 1 A CT Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302945929 23266116   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 10/20/2021 1 A CT Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302946002 23239414   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/15/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302946002 23239586   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 10/20/2021 1 A CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302948468 22722672   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 12/09/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302951289 23600151   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/03/2021 1 A TX Primary Refinance - Rate/Term Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302951289 23600153   Compliance Compliance Federal Compliance TRID 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 $67.12 exceeds tolerance of $35.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/03/2021 1 A TX Primary Refinance - Rate/Term Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302951289 23600183   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Lender TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). xxxx       xxxx
 11/12/2021 2 B TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302951289 23660725   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/08/2021 1 A TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953717 22498862   Credit Missing Document General Missing Document Missing Document: HELOC Agreement not provided   xxxx       xxxx
 11/09/2021 1 A AZ Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22797331   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 10/21/2021 1 A CO Primary Purchase Lender to provide updated ATR/QM status D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302953995 22797332   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - K-1 Less Than 25 Percent General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. xxxx       xxxx
 10/21/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22797333   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - K-1 Less Than 25 Percent General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. xxxx       xxxx
 10/21/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22797334   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - K-1 Less Than 25 Percent General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. xxxx       xxxx
 10/21/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22797335   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - K-1 Less Than 25 Percent General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. xxxx       xxxx
 10/21/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22797336   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - K-1 Less Than 25 Percent General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. xxxx       xxxx
 10/21/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22797337   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - K-1 Less Than 25 Percent General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. xxxx       xxxx
 10/21/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22797338   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - K-1 Less Than 25 Percent General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. xxxx       xxxx
 10/21/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22797339   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - K-1 Less Than 25 Percent General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. xxxx       xxxx
 10/21/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22797340   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - K-1 Less Than 25 Percent General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. xxxx       xxxx
 10/21/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22797341   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - K-1 Less Than 25 Percent General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. xxxx       xxxx
 10/21/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22807716   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 09/10/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22807719   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 10/01/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22807722   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 10/01/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 22807736   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 09/27/2021 1 A CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 23138800   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee.  Fee Amount of $1,055.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/19/2021 2 B CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302953995 23138801   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee.  Fee Amount of $395.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/19/2021 2 B CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302953995 23138802   Compliance Compliance Federal Compliance TRID Defect 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 $85.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/19/2021 2 B CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302953995 23305932   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 23305934   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 23305936   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 23305937   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302953995 23305938   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CO Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302956376 23240129   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 10/19/2021 1 A CA Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302956376 23240130   Compliance Compliance Federal Compliance TRID 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 $67.53 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/15/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302959251 22871859   Compliance Compliance Federal Compliance TRID 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 $715.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/14/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302960659 23658047   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/09/2021 1 A OR Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302960921 22807152   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Homeowners Insurance Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302960921 22807153   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Property Taxes Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether property taxes are included in escrow. xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302960921 22807183   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 09/21/2021 1 A CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302960921 22821314   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302960921 22821315   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Schedule C General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. xxxx       xxxx
 10/07/2021 1 A CA Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302960921 22821316   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 09/22/2021 1 A CA Primary Refinance - Cash-out - Other No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302960932 23438022   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 09/17/2021 1 A AL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302960932 23438023   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - S-Corp General QM: Unable to verify current S-Corp status using reasonably reliable third-party records.         xxxx
 09/17/2021 1 A AL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302960932 23438024   Compliance Compliance Federal Compliance TRID Defect 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 $9,260.50 may be required. xxxx       xxxx
 09/14/2021 1 A AL Primary Purchase No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302960932 23438026   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 09/14/2021 1 A AL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302960932 23438027   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 09/17/2021 1 A AL Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302965652 22857562   Compliance Compliance Federal Compliance TRID Defect 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 $20.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 07/28/2021 1 A TN Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965652 22857563   Compliance Compliance Federal Compliance TRID Defect 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 $450.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 07/28/2021 1 A TN Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965657 23049894   Compliance Compliance Federal Compliance RESPA 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. xxxx       xxxx
 08/24/2021 1 A SC Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965657 23049895   Compliance Compliance Federal Compliance TRID Defect 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 4,945.71 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 08/30/2021 1 A SC Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965657 23049897   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe.  Asset Account date is more than 60 days prior to the Note date or notary date. -         xxxx
 08/19/2021 1 A SC Second Home Refinance - Rate/Term   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965658 23050062   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/31/2021 1 A FL Second Home Purchase   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965658 24384073   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value. Sec ID: 89 Lien Position: ___ xxxx         2 B FL Second Home Purchase   D B A A A A D B Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965662 23437556   Compliance Compliance Federal Compliance TILA TILA NMLSR - Originator Company Not Licensed at time of Application Unable to test LO company NMLS license due to missing information. xxxx       xxxx
 08/25/2021 1 A NC Second Home Purchase   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965662 23437557   Compliance Compliance Federal Compliance TILA TILA NMLSR - Individual Originator License Status Not Approved Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not in approved license status to conduct loan origination activities. xxxx       xxxx
 08/25/2021 1 A NC Second Home Purchase   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965662 23437558   Compliance Compliance Federal Compliance TILA TILA NMLSR - Originator Company License Status Not Approved Unable to test LO company status due to missing information. xxxx       xxxx
 08/25/2021 1 A NC Second Home Purchase   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965662 23437559   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 09/16/2021 2 B NC Second Home Purchase   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965662 23437560   Compliance Compliance Federal Compliance TRID Defect 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 5,504.62 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 08/20/2021 2 B NC Second Home Purchase Letter of Explanation & Corrected Closing Disclosure D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965662 23437562   Compliance Compliance Federal Compliance TRID Defect 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 $75.00 plus 10% or $82.50.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/29/2021 2 B NC Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965662 23437563   Credit Income Document Error Income Tax Return end date is more than 90 days prior to note date.  P&L was not found in file.  (GSE COVID-19) - xxxx       xxxx
 09/27/2021 1 A NC Second Home Purchase   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965662 23437565   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 08/13/2021 1 A NC Second Home Purchase   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965662 23437566   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___; xxxx       xxxx
 10/04/2021 1 A NC Second Home Purchase   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965662 23437567   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/18/2021 1 A NC Second Home Purchase   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965662 23437568   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and  does not have 2 months bank statements. (GSE COVID-19) - xxxx       xxxx
 10/04/2021 1 A NC Second Home Purchase   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965665 23050040   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 08/24/2021 2 B AL Second Home Purchase   D B A A B B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965665 23050041   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/20/2021 1 A AL Second Home Purchase   D B A A B B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965667 23050030   Compliance Compliance Federal Compliance TILA Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application Unable to test Loan Originator license due to missing information. xxxx       xxxx
 08/09/2021 1 A AL Second Home Purchase   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965667 23050031   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 07/23/2021 1 A AL Second Home Purchase Final CD evidences Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965669 23050059   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/13/2021 1 A TX Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965670 23437553   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 08/16/2021 1 A FL Second Home Refinance - Rate/Term   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965670 23437554   Credit Income Document Error Income YTD P&L Statement was not signed and/oor dated  by Borrower.  (GSE COVID-19) -         xxxx
 08/16/2021 1 A FL Second Home Refinance - Rate/Term   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965670 23437555   Credit Income Document Error Income Missing verification of the existance of self-employed business  within 20 days of the Note Date (COVID-19). - Application Date:  ___;         xxxx
 08/27/2021 1 A FL Second Home Refinance - Rate/Term   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965671 23049890   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 08/09/2021 1 A FL Second Home Purchase   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965671 23049891   Compliance Compliance Federal Compliance RESPA 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. xxxx       xxxx
 08/11/2021 1 A FL Second Home Purchase   C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965671 23049892   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 08/11/2021 1 A FL Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965672 23437544   Credit Guideline Guideline Issue Guideline Aged document: Primary Valuation is older than guidelines permit -         xxxx
 08/12/2021 1 A FL Second Home Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965672 23437546   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___ xxxx       xxxx
 08/12/2021 1 A FL Second Home Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965672 23437547   Compliance Compliance Federal Compliance RESPA 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.         xxxx
 08/12/2021 1 A FL Second Home Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965672 23437548   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $765.00 exceeds tolerance of $650.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/04/2021 2 B FL Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965672 23437550   Compliance Compliance Federal Compliance ECOA 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.         xxxx
 08/12/2021 1 A FL Second Home Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965672 23437551   Compliance Compliance Federal Compliance ECOA 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.         xxxx
 08/12/2021 1 A FL Second Home Refinance - Cash-out - Other   C B C A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965675 23437571   Compliance Compliance Federal Compliance TRID 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 $690.00 exceeds tolerance of $640.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 07/22/2021 1 A FL Second Home Purchase Final CD evidences Cure B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965675 23437572   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 08/30/2021 1 A FL Second Home Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965675 23437573   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 09/01/2021 2 B FL Second Home Purchase   B B A A B B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965676 24319622   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___
___		 xxxx       xxxx
 10/28/2021 1 A FL Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965679 23049899   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/19/2021 1 A FL Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965679 23049901   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx       xxxx
 08/19/2021 1 A FL Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965679 23049902   Compliance Compliance Federal Compliance TILA TILA NMLSR - Originator Company Not Licensed at time of Application Unable to test LO company NMLS license due to missing information. xxxx       xxxx
 07/29/2021 1 A FL Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965679 23049903   Compliance Compliance Federal Compliance TILA TILA NMLSR - Individual Originator License Status Not Approved Unable to test Individual Loan Originator license status due to missing information. xxxx       xxxx
 07/29/2021 1 A FL Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965679 23049904   Compliance Compliance Federal Compliance TILA Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Application Unable to test Loan Originator license due to missing information. xxxx       xxxx
 07/29/2021 1 A FL Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965679 23049905   Compliance Compliance Federal Compliance TILA TILA NMLSR - Originator Company License Status Not Approved Unable to test LO company status due to missing information. xxxx       xxxx
 07/29/2021 1 A FL Second Home Purchase   D A A A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965681 24319631   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 10/07/2021 1 A FL Second Home Refinance - Rate/Term Lender to provide updated ATR/QM status D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965681 24319632   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   xxxx       xxxx
 07/29/2021 1 A FL Second Home Refinance - Rate/Term   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965681 24319634   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/31/2021 1 A FL Second Home Refinance - Rate/Term   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965681 24319635   Compliance Compliance Federal Compliance ATR/QM Defect Retirement Documentation Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. xxxx       xxxx
 10/05/2021 1 A FL Second Home Refinance - Rate/Term   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965681 24319636   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 10/05/2021 1 A FL Second Home Refinance - Rate/Term   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965681 24319637   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit AUS Findings: Total cash-out discrepancy.           xxxx
 09/08/2021 1 A FL Second Home Refinance - Rate/Term   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965681 24319639   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. Most Recent Valuation Inspection Date: ___                 
Disaster End Date: ___
Disaster Name: ___
Disaster Declaration Date: ___		 xxxx       xxxx
 09/20/2021 1 A FL Second Home Refinance - Rate/Term   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965682 23437578   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 08/16/2021 1 A FL Second Home Refinance - Limited Cash-out GSE No Defined Cure C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965682 23437579   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $525.00 exceeds tolerance of $450.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/10/2021 2 B FL Second Home Refinance - Limited Cash-out GSE Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965691 24319606   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/30/2021 1 A LA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965691 24319608   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 10/18/2021 1 A LA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965691 24319609   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/10/2021 1 A LA Second Home Refinance - Rate/Term   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965693 23437604   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 08/13/2021 1 A LA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965693 23437605   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 09/22/2021 1 A LA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965693 23437606   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 09/30/2021 1 A LA Second Home Purchase   C A C A A A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965695 23437657   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/24/2021 1 A LA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965695 23437658   Credit Credit Miscellaneous Credit Missing Document: Credit Letter of Explanation (LOE) not provided   xxxx       xxxx
 09/22/2021 1 A LA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965695 23437659   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 09/22/2021 1 A LA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965695 23437660   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 08/19/2021 1 A LA Second Home Purchase Final CD evidences Cure D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965695 23437661   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit AUS Findings: PITIA months reserves discrepancy. Calculated PITIA months reserves of ___ is less than AUS PITIA months reserves of ___. xxxx       xxxx
 09/22/2021 1 A LA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965695 23437662   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 09/28/2021 1 A LA Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965697 22857536   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/13/2021 1 A MS Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965697 22857537   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 08/11/2021 1 A MS Second Home Purchase   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965698 23050066   Compliance Compliance Federal Compliance TRID Defect 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 12,659.13 on Final Closing Disclosure provided on xx/xx/xxxx not accurate.         xxxx
 08/26/2021 1 A LA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965698 23050068   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $650.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 08/26/2021 1 A LA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965698 23050069   Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees TILA-RESPA Integrated Disclosure:  Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. xxxx       xxxx
 08/26/2021 1 A LA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965702 22857555   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 08/13/2021 1 A MS Second Home Purchase   D A A A B A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965702 22857556   Compliance Compliance Federal Compliance RESPA 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. xxxx       xxxx
 08/12/2021 1 A MS Second Home Purchase   D A A A B A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965703 23050036   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/16/2021 1 A MS Second Home Refinance - Cash-out - Other   D B A A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965703 23050038   Compliance Compliance Federal Compliance TRID Defect 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 2,695.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 08/30/2021 2 B MS Second Home Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure D B A A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965713 22857540   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/13/2021 1 A GA Second Home Refinance - Limited Cash-out GSE   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965714 23050046   Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided           xxxx
 08/17/2021 1 A TN Second Home Purchase   D B D A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965714 23050048   Compliance Compliance Federal Compliance TRID Defect 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 110.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 08/30/2021 2 B TN Second Home Purchase Letter of Explanation & Corrected Closing Disclosure D B D A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965714 23050050   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 08/13/2021 1 A TN Second Home Purchase   D B D A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965716 24319645   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and  does not have 2 months bank statements. (GSE COVID-19) -         xxxx
 08/11/2021 1 A FL Second Home Refinance - Limited Cash-out GSE   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965716 24319646   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized, and was originated with an Appraisal Waiver. The supporting secondary valuation is missing.; Sec ID: 36           xxxx
 10/18/2021 1 A FL Second Home Refinance - Limited Cash-out GSE   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965716 24319647   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized, and was originated with an Appraisal Waiver. Secondary Valuation supports value.(PIW: Moodys/Kroll =B). Sec ID: 89 Lien Position: ___ xxxx       xxxx
 10/21/2021 1 A FL Second Home Refinance - Limited Cash-out GSE   D A C A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965720 22857577   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/13/2021 1 A TX Second Home Purchase   D A A A A A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965729 23437621   Compliance Compliance Federal Compliance TRID 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 $550.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 07/24/2021 1 A AR Second Home Refinance - Cash-out - Other Final CD evidences Cure D B A A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965729 23437622   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $250.00 exceeds tolerance of $145.00 plus 10% or $159.50.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/23/2021 2 B AR Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965729 23437623   Compliance Compliance Federal Compliance TRID Defect 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 $550.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/21/2021 1 A AR Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965729 23437624   Compliance Compliance Federal Compliance TRID Defect 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 $27.00 exceeds tolerance of $10.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/22/2021 2 B AR Second Home Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965729 23437625   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/19/2021 1 A AR Second Home Refinance - Cash-out - Other   D B A A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965730 23437575   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 08/30/2021 1 A MO Second Home Purchase   B A A A B A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965732 23437592   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 09/29/2021 1 A TN Second Home Refinance - Rate/Term   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965732 23437593   Compliance Compliance Federal Compliance TRID Defect 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 $375.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/05/2021 2 B TN Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965732 23437594   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $695.00 exceeds tolerance of $450.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 08/10/2021 1 A TN Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965732 23437596   Credit Guideline Guideline Issue Guideline This loan closed during the COVID-19 affected timeframe. VOE was not provided within 10 days before note date or prior to disbursement date. At least one of these requirements are missing:  Employer Letter, Paystub, Bank Statement within 10 days before note date or prior to disbursement date. -         xxxx
 08/30/2021 1 A TN Second Home Refinance - Rate/Term   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965732 23437597   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 10/05/2021 1 A TN Second Home Refinance - Rate/Term   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965732 23437598   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/13/2021 1 A TN Second Home Refinance - Rate/Term   D B C A C B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965734 22857570   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 08/16/2021 1 A MS Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965734 22857571   Compliance Compliance Federal Compliance TILA TILA NMLSR - Originator Company NMLS information on documents does not match NMLS website Unable to test Loan Originator Organization match due to missing information. xxxx       xxxx
 07/30/2021 1 A MS Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965734 22857572   Compliance Compliance Federal Compliance TILA TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website Unable to test Individual Loan Originator NMLSR status due to missing information. xxxx       xxxx
 07/30/2021 1 A MS Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302965734 22857574   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Divorce Decree / Child Support not provided           xxxx
 08/13/2021 1 A MS Second Home Purchase   D A C A C A D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965737 23437599   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/23/2021 1 A TX Second Home Purchase   D B A A B B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965737 23437601   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 09/09/2021 2 B TX Second Home Purchase   D B A A B B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302965737 23437602   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $152.00 exceeds tolerance of $125.00 plus 10% or $137.50.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 07/23/2021 1 A TX Second Home Purchase Final CD evidences Cure D B A A B B D A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
302967270 22573189   Compliance Compliance Federal Compliance TRID Defect 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 15,380.75 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/07/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302967287 23072112   Compliance Compliance Federal Compliance TRID 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 $1,334.00 exceeds tolerance of $1,315.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 09/30/2021 1 A OR Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302970776 22824619   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 10/06/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302970776 22824621   Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003/Declarations:  D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes.  Unable to determine qualification without this information. - xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302970776 22824623   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 10/14/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302970776 22824681   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Partnership General QM: Unable to verify current Partnership status using reasonably reliable third-party records. xxxx       xxxx
 10/18/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302970776 22824682   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. xxxx       xxxx
 10/18/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302970776 22824683   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 10/18/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302970776 22940379   Compliance Compliance Federal Compliance TRID 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 $845.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 09/17/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302970776 23865713   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx         2 B CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302970776 23865714   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx         2 B CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302970849 22525163   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 08/31/2021 1 A AZ Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302970849 22525768   Compliance Compliance Federal Compliance TRID 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 $1,150.00 exceeds tolerance of $575.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 08/23/2021 1 A AZ Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302970851 22525810   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 08/31/2021 1 A CA Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302970851 22526733   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 08/26/2021 1 A CA Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302970878 22537529   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 08/31/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302971104 23140097   Compliance Compliance Federal Compliance ATR/QM Defect Partnership Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). xxxx       xxxx
 11/10/2021 1 A AZ Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302971104 23140098   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 11/10/2021 1 A AZ Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302971104 23140099   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/10/2021 1 A AZ Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
302971157 22805637   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 12/02/2021 1 A TX Primary Refinance - Rate/Term No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302971157 22806545   Compliance Compliance Federal Compliance TRID 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 $820.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/07/2021 1 A TX Primary Refinance - Rate/Term Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302971157 22806546   Compliance Compliance Federal Compliance TRID 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 $150.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/07/2021 1 A TX Primary Refinance - Rate/Term Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302971157 22807732   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 10/04/2021 1 A TX Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302971244 23231628   Compliance Compliance Federal Compliance TRID 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 $650.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/15/2021 1 A AZ Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302978424 22256371   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 08/23/2021 1 A CA Second Home Refinance - Rate/Term No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302978424 22538183   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 09/08/2021 1 A CA Second Home Refinance - Rate/Term No Defined Cure C A A A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
302981415 23115248   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. xxxx       xxxx
 10/20/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302981415 23115250   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 10/20/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
302981415 23115328   Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         xxxx
 10/18/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302981415 23115331   Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. -         xxxx
 10/26/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
302981418 22846709   Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003/Declarations:  D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? was entered Yes.  Unable to determine qualification without this information. - xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302991149 23438031   Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.         xxxx
 09/13/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   B A B A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302991149 23438032   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 09/03/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   B A B A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302991832 22972273   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 10/11/2021 1 A FL Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302991832 22975310   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - S-Corp General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. xxxx       xxxx
 10/11/2021 1 A FL Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302991832 22975311   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - S-Corp General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. xxxx       xxxx
 10/11/2021 1 A FL Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302991832 22975313   Compliance Compliance Federal Compliance TRID Defect 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 19,297.56 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/11/2021 1 A FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302991832 22975373   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 10/11/2021 1 A FL Second Home Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302991832 22975499   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/24/2021 1 A FL Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
302991842 22880529   Compliance Compliance Federal Compliance TRID 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 $445.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 09/14/2021 1 A CA Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302991881 24204424   Compliance Compliance Federal Compliance TRID 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 $830.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/20/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302991881 24204425   Compliance Compliance Federal Compliance TRID 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 $40.50 exceeds tolerance of $40.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/20/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
302999203 22960553   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 10/06/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303006260 22695352   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 12/01/2021 1 A FL Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303006260 22698028   Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. xxxx       xxxx
 12/02/2021 1 A FL Primary Purchase No Defined Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303006260 22698048   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 09/24/2021 1 A FL Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303013649 22962991   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.           xxxx
 11/10/2021 1 A ID Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303013652 23873826   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 12/03/2021 1 A CO Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303013652 23873827   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 12/03/2021 1 A CO Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303013652 23874208   Compliance Compliance Federal Compliance TRID 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 $30,650.00 exceeds tolerance of $28,150.00.  Sufficient or excess cure was provided to the borrower. xxxx       xxxx
 11/23/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303013652 23874209   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $800.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower. xxxx       xxxx
 11/23/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303013652 23874255   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy.   xxxx       xxxx
 11/29/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303013652 23876953   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/29/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303013652 23891129   Compliance Compliance Federal Compliance TRID 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 $800.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/29/2021 1 A CO Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303013677 23068812   Compliance Compliance Federal Compliance TRID 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 $860.00 exceeds tolerance of $760.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/29/2021 1 A CA Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303013677 23079538   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 10/04/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303017222 24320072   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Rate/Term   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303017222 24320075   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/17/2021 1 A CA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303017275 23576765   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A PA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303017302 23770529   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303017302 23770605   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303017302 23771477   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/17/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303017302 23771838   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303022945 23476388   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Missing Document: Note - Subordinate Lien not provided   xxxx       xxxx
 10/29/2021 1 A CA Second Home Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303022945 23476618   Compliance Compliance Federal Compliance TRID Defect 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 26,691.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/08/2021 2 B CA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303023381 22849575   Credit Credit Credit Documentation Guideline Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification. -         xxxx
 12/06/2021 1 A TX Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303023381 22850182   Credit Title Lien Title Missing evidence of lien position on Other Financing. - xxxx       xxxx
 10/27/2021 1 A TX Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303023381 22853307   Compliance Compliance Federal Compliance TRID Defect 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 26,902.92 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/06/2021 1 A TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303023512 22578072   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/07/2021 1 A CA Second Home Purchase No Defined Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
303023512 22578085   Credit Income Document Error Income YTD P&L Statement was not signed and/oor dated  by Borrower.  (GSE COVID-19) - xxxx       xxxx
 10/07/2021 1 A CA Second Home Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
303025686 23671690   Compliance Compliance State Compliance State Defect Illinois SB 1894 IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. xxxx       xxxx
 11/17/2021 1 A IL Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303025830 24319571   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/03/2021 1 A WA Second Home Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303025830 24319572   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. -         xxxx
 11/04/2021 1 A WA Second Home Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303025830 24319573   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 12/03/2021 1 A WA Second Home Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303025830 24319574   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/11/2021 1 A WA Second Home Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303025830 24319575   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/01/2021 1 A WA Second Home Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303025830 24319576   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/04/2021 1 A WA Second Home Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303025830 24319579   Compliance Compliance Federal Compliance TRID Defect 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 7,328.50 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/10/2021 2 B WA Second Home Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303026417 23068876   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/04/2021 1 A MT Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303026417 23069036   Compliance Compliance Federal Compliance TRID 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 $2,500.00 exceeds tolerance of $2,000.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/29/2021 1 A MT Second Home Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303030391 23565209   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/09/2021 1 A NJ Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303031154 23512495   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/01/2021 1 A MN Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303032701 24319641   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 09/15/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303032701 24319642   Compliance Compliance Federal Compliance TRID Defect 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 31,658.28 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/08/2021 2 B CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303032701 24319643   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 09/15/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303037420 23445479   Compliance Compliance Federal Compliance TRID 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 $935.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/22/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303037464 23486153   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,072.32  is less than amount of binding Lender Credit previously disclosed in the amount of $-4,880.00. xxxx       xxxx
 10/29/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303039586 23926699   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy.           xxxx
 12/06/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303039586 23929297   Compliance Compliance Federal Compliance TRID 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 $1,290.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/02/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303039586 23929298   Compliance Compliance Federal Compliance TRID 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 $196.60 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/02/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303039586 23930510   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/06/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303042154 23609387   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/09/2021 1 A NY Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303045431 23768795   Compliance Compliance Federal Compliance TRID 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.         xxxx
 11/15/2021 1 A IL Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303045431 23768891   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 12/03/2021 1 A IL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303048116 22979790   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 10/12/2021 1 A UT Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303048585 23078784   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 12/16/2021 1 A NY Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303050832 23438258   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 09/24/2021 1 A NV Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303051864 23233636   Compliance Compliance Federal Compliance TRID Defect 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 $850.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/03/2021 2 B CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303051864 23233637   Compliance Compliance Federal Compliance TRID Defect 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 $2,000.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/03/2021 2 B CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303051997 23648075   Compliance Compliance Federal Compliance TRID 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 $28.98 exceeds tolerance of $26.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303057257 22837902   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.           xxxx
 10/04/2021 1 A TX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303057257 22838476   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - S-Corp General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. xxxx       xxxx
 10/04/2021 1 A TX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303057257 22838477   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - S-Corp General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. xxxx       xxxx
 10/04/2021 1 A TX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303057257 22838478   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Wages General QM: Unable to verify current Wages / W-2 employment status using reasonably reliable third-party records. xxxx       xxxx
 11/17/2021 1 A TX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303057257 22838479   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Wages General QM:  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. xxxx       xxxx
 12/03/2021 1 A TX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303057257 22838480   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 11/22/2021 1 A TX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303057257 22838503   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/03/2021 1 A TX Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303057257 22838661   Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - xxxx       xxxx
 10/12/2021 1 A TX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303057257 22852417   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $923.88 exceeds tolerance of $684.00 plus 10% or $752.40.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 09/10/2021 1 A TX Primary Purchase Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303057257 22852510   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 10/06/2021 1 A TX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303057257 23795844   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - S-Corp General QM: Unable to verify S-Corp income using reasonably reliable third-party records. xxxx       xxxx
 11/22/2021 1 A TX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303057257 23860275   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B TX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303058346 22869119   Compliance Compliance Federal Compliance TRID Defect 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 $3,007.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/08/2021 2 B CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM Safe Harbor QM Yes
303058346 22870735   Credit Property - Appraisal Appraisal Documentation Property - Appraisal Update/recertification of value is more than 4 months old at the time of origination. - xxxx       xxxx
 09/29/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM Safe Harbor QM No
303061055 23225713   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 10/20/2021 1 A CA Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061055 23226035   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $2,500.00 exceeds tolerance of $1,000.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/09/2021 2 B CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061055 23228687   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 10/24/2021 1 A CA Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061674 23517086   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A UT Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061674 23520187   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $200.00 exceeds tolerance of $160.00 plus 10% or $176.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/28/2021 1 A UT Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061680 22865401   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 09/13/2021 1 A IN Primary Refinance - Rate/Term   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061680 22865403   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan).  Fee Amount of $8.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 09/13/2021 1 A IN Primary Refinance - Rate/Term   A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061712 22853446   Compliance Compliance Federal Compliance TRID 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 $745.00 exceeds tolerance of $480.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/10/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061712 22863246   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ xxxx       xxxx
 09/20/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061730 23184228   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 10/14/2021 1 A CA Primary Refinance - Rate/Term   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061730 23184243   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/13/2021 1 A CA Primary Refinance - Rate/Term   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061730 23184251   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 10/13/2021 1 A CA Primary Refinance - Rate/Term   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061730 23184342   Compliance Compliance Federal Compliance TRID 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 $103.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/08/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061730 23184443   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 10/14/2021 1 A CA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061730 23184444   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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). xxxx       xxxx
 10/14/2021 1 A CA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061732 22853597   Compliance Compliance Federal Compliance TRID 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 $800.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/10/2021 1 A OR Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061733 23080035   Credit Credit Credit Documentation Guideline Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification. -         xxxx
 10/13/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061733 23080759   Credit Credit Credit Documentation Guideline Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification. -         xxxx
 10/13/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061733 23081468   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___         xxxx
 10/12/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061733 23081469   Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003/Declarations:  F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes.  Missing  documented and/or does not meet guideline requirements. -         xxxx
 11/22/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061733 23092229   Credit Missing Document General Missing Document Incomplete Document: 1003 Final is incomplete   xxxx       xxxx
 10/12/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061740 23491974   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/01/2021 1 A MI Primary Refinance - Rate/Term   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061740 23493418   Compliance Compliance Federal Compliance TRID Defect 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 14,500.56 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/09/2021 2 B MI Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061740 23493419   Compliance Compliance Federal Compliance TRID 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 $640.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/27/2021 1 A MI Primary Refinance - Rate/Term Final CD evidences Cure D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061817 22862449   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B CA Primary Purchase   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061870 23813295   Compliance Compliance Federal Compliance TRID 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 $1,125.00 exceeds tolerance of $1,010.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/17/2021 1 A WA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061912 23305622   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 10/27/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061912 23305907   Compliance Compliance Federal Compliance TRID 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 $950.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/21/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061996 23087125   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/07/2021 1 A CO Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303061996 23087392   Compliance Compliance Federal Compliance TRID 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 $103.30 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/01/2021 1 A CO Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303061996 23087393   Compliance Compliance Federal Compliance TRID 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 $49.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/01/2021 1 A CO Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303062013 22853407   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 10/08/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062020 23084453   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 10/19/2021 1 A GA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062020 23125243   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/04/2021 1 A GA Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303062044 22873771   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Appraisal is missing.; Sec ID: 1   xxxx       xxxx
 10/18/2021 1 A CA Primary Refinance - Cash-out - Other   D B C A A B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062044 22877412   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 10/14/2021 1 A CA Primary Refinance - Cash-out - Other   D B C A A B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062044 23242629   Property Valuation Valuation Issue Valuation The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal           xxxx
 10/21/2021 1 A CA Primary Refinance - Cash-out - Other   D B C A A B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062044 23907355   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CA Primary Refinance - Cash-out - Other   D B C A A B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062049 23583164   Compliance Compliance Federal Compliance TRID 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 $130.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/02/2021 1 A AZ Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303062066 22852146   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 09/22/2021 1 A AZ Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062066 22852156   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 09/22/2021 1 A AZ Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062066 22852157   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 09/22/2021 1 A AZ Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062066 22852259   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 10/04/2021 1 A AZ Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062085 23826702   Compliance Loan Package Documentation Closing / Title Missing, Incorrect, or Incomplete Note Missing Document: Note - Subject Lien not provided   xxxx       xxxx
 11/22/2021 1 A UT Primary Refinance - Rate/Term   D A C A D A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062085 23829994   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/22/2021 1 A UT Primary Refinance - Rate/Term   D A C A D A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062085 23830288   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/07/2021 1 A UT Primary Refinance - Rate/Term   D A C A D A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303062099 23082940   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 10/20/2021 1 A UT Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303062099 23125206   Compliance Compliance Federal Compliance TRID 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 $59.00 exceeds tolerance of $55.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/04/2021 1 A UT Primary Refinance - Cash-out - Other Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303062410 23174120   Compliance Compliance Federal Compliance TRID Defect 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 $10,840.00 exceeds tolerance of $8,040.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/08/2021 1 A VA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303062410 23174121   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 11/12/2021 1 A VA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303062410 23174122   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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). xxxx       xxxx
 11/12/2021 1 A VA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303063214 23680105   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other No Defined Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303063214 23680106   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,650.00 exceeds tolerance of $945.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/14/2021 2 B CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303063214 23683769   Compliance Compliance Federal Compliance TRID Defect 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 $275.00 exceeds tolerance of $200.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303063214 23683770   Compliance Compliance Federal Compliance TRID Defect 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 $51.50 exceeds tolerance of $33.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303063230 24320030   Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Document: Rider - PUD not provided   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303063230 24320032   Property Property - Appraisal Appraisal Data Integrity Property - Appraisal Appraiser's license or certification was not active at the time of the appraisal. - xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303063230 24320033   Credit Property - Appraisal General Appraisal Requirements Property - Appraisal Subject is a refinance and property is listed for sale. -         xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303063230 24320034   Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. xxxx       xxxx
 11/18/2021 1 A CA Primary Refinance - Rate/Term   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303063230 24320035   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/19/2021 1 A CA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303063230 24320036   Compliance Compliance Federal Compliance TRID Defect 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 9,093.36 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/19/2021 2 B CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303063230 24320037   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $227.00 exceeds tolerance of $143.00 plus 10% or $157.30.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/15/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303063230 24320039   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.           xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303063230 24320040   Credit Credit Credit Calculation / Analysis Guideline Guideline Requirement: Representative FICO score discrepancy.           xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303063230 24320041   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303063230 24320042   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303063230 24320043   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Rate/Term   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303063272 23223470   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/22/2021 1 A DE Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303063272 23225944   Compliance Compliance Federal Compliance TRID 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 $47.70 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/14/2021 1 A DE Second Home Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303063369 23724548   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/16/2021 1 A NY Primary Purchase   C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) No
303063369 23728076   Compliance Compliance Federal Compliance TRID Defect 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 $400.00 plus 10% or $440.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/07/2021 1 A NY Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
303063369 23962687   Compliance Compliance Federal Compliance TRID 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 $400.00 plus 10% or $440.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/07/2021 1 A NY Primary Purchase Final CD evidences Cure C A C A C A A A Temporary SHQM (GSE/Agency Eligible) Temporary SHQM (GSE/Agency Eligible) Yes
303064609 24319690   Property Valuation Valuation Issue Valuation Loan requires a Desk Review to be within 10% of the Appraised Value.   xxxx       xxxx
 10/28/2021 1 A FL Second Home Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303064609 24319691   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 10/29/2021 1 A FL Second Home Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303064609 24319693   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,825.00 exceeds tolerance of $1,750.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/29/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303064609 24319694   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $725.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/29/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303064609 24319695   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/26/2021 1 A FL Second Home Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303064609 24319696   Compliance Compliance Federal Compliance TRID 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 $1,825.00 exceeds tolerance of $1,750.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/29/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303065526 22927213   Compliance Compliance Federal Compliance TRID Defect 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 28,301.04 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 09/22/2021 1 A CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303065526 22927220   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 09/21/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303065526 22928640   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. xxxx       xxxx
 09/21/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303065526 22929717   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 09/21/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303066724 23160108   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 10/13/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303066748 23604687   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 11/08/2021 2 B CO Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303066749 23226705   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 2 B CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303066749 23226706   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 2 B CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303066749 23226707   Compliance Compliance Federal Compliance TRID 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 $83.66 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/14/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303066749 23251338   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. xxxx       xxxx
 10/20/2021 1 A CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303066750 23756316   Credit Insurance Insurance Analysis Insurance The Flood Insurance Policy effective date is after the Note Date.   xxxx       xxxx
 11/12/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303066750 23756326   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date.   xxxx       xxxx
 11/12/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303076660 22978057   Compliance Compliance Federal Compliance TRID 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 $1,150.00 exceeds tolerance of $1,000.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/21/2021 1 A MI Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303076664 23067081   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 10/04/2021 1 A CO Primary Refinance - Cash-out - Other   C B C A A A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303076664 23079853   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7   xxxx       xxxx
 10/29/2021 1 A CO Primary Refinance - Cash-out - Other   C B C A A A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303076664 23943222   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7   xxxx       xxxx
 12/28/2021 1 A CO Primary Refinance - Cash-out - Other   C B C A A A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303076664 24295636   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 Note Date:  ___; Lien Position: ___           2 B CO Primary Refinance - Cash-out - Other   C B C A A A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303079060 23441340   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303079060 23441341   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303079060 23441342   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303079060 23441343   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303079060 23441344   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303079060 23441348   Compliance Compliance Federal Compliance ATR/QM 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 xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx         2 B CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303079060 23441769   Compliance Compliance Federal Compliance ATR/QM 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 xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 12/02/2021 1 A CA Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303079060 23441770   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of Non QM. xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303079491 23820081   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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). xxxx       xxxx
 11/30/2021 1 A CO Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303079491 23820097   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 11/30/2021 1 A CO Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303079491 23820238   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/30/2021 1 A CO Primary Refinance - Cash-out - Other   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303079516 23802781   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/23/2021 1 A MI Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303079516 23803923   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. -         xxxx
 11/29/2021 1 A MI Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303079544 23804782   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Rate/Term   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303079577 24198137   Compliance Compliance Federal Compliance TRID Defect 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 1,272.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/21/2021 1 A CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303079583 22981523   Property Property - Appraisal Appraisal Documentation Property - Appraisal The property type differs between the valuation documents in file. Unable to verify the property type.  Ineligible per guidelines.   xxxx       xxxx
 10/14/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303079583 22981651   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303079583 22981652   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines General QM: The DTIs calculated in accordance with the Lenders Guidelines of 45.01043% and based on 1026.43(e) of 45.01041% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303079583 22981653   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303079583 23015590   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303079596 24319665   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/10/2021 1 A UT Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303079596 24319666   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Schedule C General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. xxxx       xxxx
 11/10/2021 1 A UT Primary Refinance - Cash-out - Other   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303079596 24319667   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/25/2021 1 A UT Primary Refinance - Cash-out - Other   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303083302 23064355   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/18/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303083305 22981826   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B FL Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303083305 22981854   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/19/2021 1 A FL Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303083305 23220912   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 11/19/2021 1 A FL Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303083966 23071521   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/04/2021 1 A MD Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303083966 23071570   Compliance Compliance Federal Compliance TRID 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 $1,150.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 09/29/2021 1 A MD Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303083966 23071571   Compliance Compliance Federal Compliance TRID 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 $81.00 exceeds tolerance of $62.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 09/29/2021 1 A MD Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303083966 23071572   Compliance Compliance Federal Compliance TRID 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 $7,546.50 exceeds tolerance of $7,526.25.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 09/29/2021 1 A MD Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303086548 23238856   Compliance Compliance Federal Compliance TRID 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 $88.56 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/15/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303086550 23866003   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,215.96  is less than amount of binding Lender Credit previously disclosed in the amount of $-2,250.00. xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303086550 23866004   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $225.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303086556 23488910   Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303086556 23488912   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303086556 23488914   Compliance Compliance Federal Compliance TRID Defect 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 42,317.44 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/16/2021 1 A CA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303086556 23488929   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303086556 23488930   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of Non QM. xxxx       xxxx
 11/16/2021 1 A CA Second Home Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303086556 23488996   Credit Guideline Guideline Issue Guideline Aged document: Asset Account date is more than 90 days prior to Closing. -         xxxx
 11/12/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303086556 23490225   Compliance Compliance Federal Compliance ATR/QM Defect Retirement Documentation Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303086556 23490374   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/05/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303086556 23490376   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/16/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303086556 23490378   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/17/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303086556 23490381   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/10/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303086556 23490391   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/16/2021 1 A CA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303088945 23438252   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.         xxxx
 09/30/2021 2 B CA Primary Purchase   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303088945 23438253   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.         xxxx
 09/30/2021 2 B CA Primary Purchase   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303089136 22987881   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 10/13/2021 1 A CO Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303089136 22987884   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 09/28/2021 1 A CO Primary Refinance - Cash-out - Other No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303089136 23017420   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines General QM: The DTIs calculated in accordance with the Lenders Guidelines of 45.46194% and based on 1026.43(e) of 45.46186% moderately exceed the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 10/13/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303089136 23017421   Compliance Compliance Federal Compliance TRID 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 $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 09/23/2021 1 A CO Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303089136 23017422   Compliance Compliance Federal Compliance TRID 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 $32.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 09/23/2021 1 A CO Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303089136 23017425   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 10/13/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303089136 23017427   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 10/13/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303089565 23007299   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $171.00 exceeds tolerance of $145.00 plus 10% or $159.50.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/23/2021 1 A CO Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303089565 23010424   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 09/28/2021 1 A CO Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303089615 23233739   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 2 B CA Primary Purchase   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303092644 23437451   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Transaction Error: Outstanding liens were not paid at closing. - xxxx       xxxx
 07/21/2021 1 A WA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303092644 23437452   Credit TRID General TRID Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $2000.   xxxx       xxxx
 07/19/2021 1 A WA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303092644 23437453   Credit TRID General TRID Refi Purpose reflects Rate/Term and cash out greater than the lesser of 2% of the loan amount or $2000. Cash to Borrower:  ___; Total Cash Out:    ___;  Refi Purpose:  ___ xxxx       xxxx
 07/26/2021 1 A WA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303092645 23437463   Compliance Compliance Federal Compliance TRID Defect 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 20,672.60 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 07/30/2021 2 B CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
303092646 23437398   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 07/01/2021 1 A AZ Primary Purchase   C A B A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303092646 23437399   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 07/01/2021 1 A AZ Primary Purchase No Defined Cure C A B A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303092646 23437401   Compliance Compliance Federal Compliance TRID 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 $760.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 06/15/2021 1 A AZ Primary Purchase Final CD evidences Cure C A B A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303092646 23437402   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 07/21/2021 1 A AZ Primary Purchase   C A B A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303092659 23437251   Compliance Compliance Federal Compliance ATR/QM Defect Commission Tax Documentation Qualified Mortgage (Dodd-Frank 2014): Commission income missing two years consecutive signed tax returns or tax transcripts xxxx       xxxx
 06/09/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   C A A A C A A A Safe Harbor QM Safe Harbor QM No
303092659 23437252   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 06/09/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM Yes
303092726 23453214   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/08/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303101024 23895693   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/14/2021 1 A CO Primary Purchase   D A B A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303101024 23895695   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/06/2021 1 A CO Primary Purchase   D A B A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303101072 24319684   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/27/2021 1 A TX Primary Refinance - Rate/Term   B A B A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303101072 24319686   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 11/03/2021 1 A TX Primary Refinance - Rate/Term   B A B A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303101075 22972365   Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided   xxxx       xxxx
 10/01/2021 1 A CA Primary Purchase   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303101075 22973118   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date:  ___ xxxx       xxxx
 09/22/2021 1 A CA Primary Purchase   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303101075 22975890   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 09/22/2021 1 A CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303101075 22976186   Compliance Compliance Federal Compliance TRID Defect 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.         xxxx
 09/22/2021 1 A CA Primary Purchase   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303101075 23091329   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 10/01/2021 1 A CA Primary Purchase   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303101090 22980500   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 10/15/2021 1 A OR Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303101090 22980664   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. xxxx       xxxx
 10/15/2021 1 A OR Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303101090 22980665   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. xxxx       xxxx
 10/15/2021 1 A OR Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303101090 23013316   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Partnership General QM: Unable to verify current Partnership status using reasonably reliable third-party records. xxxx       xxxx
 10/15/2021 1 A OR Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303101090 23013317   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Partnership General QM: Unable to verify current Partnership status using reasonably reliable third-party records. xxxx       xxxx
 10/15/2021 1 A OR Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303101090 23013318   Compliance Compliance Federal Compliance TRID 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 $840.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/23/2021 1 A OR Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303101090 23013319   Compliance Compliance Federal Compliance TRID 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 $66.00 exceeds tolerance of $35.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/23/2021 1 A OR Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303101090 23239961   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 2 B OR Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303101090 23239962   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 2 B OR Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303102146 23909105   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/06/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303102171 23153507   Compliance Compliance Federal Compliance TRID Defect 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 21,618.30 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/27/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303102184 24319857   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/08/2021 1 A GA Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303102867 23785452   Compliance Compliance Federal Compliance TRID 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 $805.00 exceeds tolerance of $705.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/16/2021 1 A FL Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303102867 23785453   Compliance Compliance Federal Compliance TRID 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 $45.97 exceeds tolerance of $45.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/16/2021 1 A FL Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303103690 23768018   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/22/2021 1 A UT Primary Refinance - Cash-out - Other   D A B A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303103690 23768080   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/16/2021 1 A UT Primary Refinance - Cash-out - Other   D A B A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303103690 23768101   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A UT Primary Refinance - Cash-out - Other   D A B A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303103690 23781670   Compliance Compliance Federal Compliance TRID 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 $725.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/15/2021 1 A UT Primary Refinance - Cash-out - Other Final CD evidences Cure D A B A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303103690 23781671   Compliance Compliance Federal Compliance TRID 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 $87.50 exceeds tolerance of $46.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/15/2021 1 A UT Primary Refinance - Cash-out - Other Final CD evidences Cure D A B A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303106448 23037780   Compliance Compliance Federal Compliance TRID Defect 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 $7,992.00 exceeds tolerance of $7,807.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/01/2021 1 A NC Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303106448 23037781   Compliance Compliance Federal Compliance TRID Defect 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 $109.50 exceeds tolerance of $31.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/29/2021 1 A NC Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303106448 23037782   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee.  Fee Amount of $90.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/29/2021 1 A NC Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303106448 23037783   Compliance Compliance Federal Compliance TRID Defect 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 $63.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/29/2021 1 A NC Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303106448 23037823   Credit Guideline Guideline Issue Guideline Aged document: Primary Valuation is older than guidelines permit - xxxx       xxxx
 11/29/2021 1 A NC Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303106448 23042818   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/01/2021 1 A NC Primary Refinance - Cash-out - Other No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303106741 24319588   Compliance Compliance Federal Compliance TRID 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.         xxxx
 09/29/2021 1 A TN Primary Purchase Final CD evidences Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303106741 24319589   Compliance Compliance Federal Compliance TRID 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 $114.00 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 09/29/2021 1 A TN Primary Purchase Final CD evidences Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303106741 24319590   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/26/2021 1 A TN Primary Purchase No Defined Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303106741 24319593   Credit Guideline Guideline Issue Guideline Guideline Issue:  non-occupant co-borrower. - (Require user to enter explanation)
(Require user to enter explanation)		 xxxx       xxxx
 10/20/2021 1 A TN Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303106741 24319594   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 10/20/2021 1 A TN Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303106741 24319595   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 10/20/2021 1 A TN Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303106741 24319596   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 10/20/2021 1 A TN Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303106741 24319597   Credit Income / Employment Income Documentation Income / Employment The verification of employment does not meet the guideline requirements. - xxxx       xxxx
 10/11/2021 1 A TN Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303106741 24319598   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 10/13/2021 1 A TN Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303106741 24319600   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/05/2021 1 A TN Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303106741 24319601   Compliance Compliance Federal Compliance TRID Defect 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 $114.00 exceeds tolerance of $50.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/05/2021 1 A TN Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303107242 24320000   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/15/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303107742 24319586   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.           xxxx
 11/11/2021 1 A FL Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303107742 24319587   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 10/15/2021 2 B FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303107758 23569187   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303107758 23569428   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303107758 23569429   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303110243 24320007   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303110243 24320008   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303110243 24320009   Compliance Compliance Federal Compliance FACTA 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. xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Other   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303110243 24320010   Compliance Compliance Federal Compliance TRID Defect 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 24,513.24 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/23/2021 2 B CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303110243 24320011   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Cash-out - Other   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303110252 23740981   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/12/2021 1 A MT Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303110252 23741339   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $2,000.00 exceeds tolerance of $1,285.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/11/2021 1 A MT Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303110252 23755108   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/17/2021 1 A MT Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303110252 23761691   Compliance Compliance Federal Compliance TRID 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 $2,000.00 exceeds tolerance of $1,285.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/12/2021 1 A MT Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303110276 23641133   Compliance Compliance Federal Compliance TRID 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.         xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303110281 23785527   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/22/2021 1 A UT Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303110281 23785714   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/19/2021 1 A UT Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303110281 23785721   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/22/2021 1 A UT Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303110281 23786852   Compliance Compliance Federal Compliance TRID 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 $725.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A UT Primary Refinance - Rate/Term Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303110360 23202596   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/xxxx not accurate. xxxx       xxxx
 10/29/2021 2 B TN Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303115084 24319655   Credit Credit Credit Documentation Guideline The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.   xxxx       xxxx
 11/04/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303115084 24319657   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/22/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303115084 24319658   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/24/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303115084 24319659   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. xxxx       xxxx
 11/24/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303115644 23060408   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Schedule B General QM: Unable to verify Interest / Dividend income using reasonably reliable third-party records. xxxx       xxxx
 11/19/2021 1 A CA Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303115644 23060412   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/19/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303116606 23246483   Compliance Compliance Federal Compliance TRID 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 $43.75 exceeds tolerance of $36.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/18/2021 1 A AZ Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303118881 23438132   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 08/17/2021 1 A CO Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303118881 23438134   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 09/07/2021 1 A CO Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303119234 23571514   Compliance Compliance Federal Compliance TRID Defect 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 $1,700.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/11/2021 1 A NJ Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303119234 23572225   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. xxxx       xxxx
 12/02/2021 1 A NJ Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303119234 23572227   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 12/02/2021 1 A NJ Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303119242 24319624   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/11/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303119242 24319625   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Lender TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). xxxx       xxxx
 10/27/2021 2 B FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303119242 24319627   Compliance Compliance Federal Compliance TRID 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 $2,100.00 exceeds tolerance of $1,500.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/06/2021 1 A FL Second Home Purchase Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303119242 24319629   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.           xxxx
 11/02/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303119242 24319630   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 11/02/2021 1 A FL Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303120795 23769173   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/19/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303121099 24320091   Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 calendar days of the Note. -         xxxx
 11/22/2021 1 A SC Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303121625 23587273   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 12/13/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303121625 23587279   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure xx/xx/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.) xxxx       xxxx
 11/29/2021 1 A CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303121625 23587311   Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - xxxx       xxxx
 11/16/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303121788 24320005   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303121788 24320006   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. xxxx       xxxx
 11/17/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303121804 23799381   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/01/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303121804 23805321   Compliance Compliance Federal Compliance TRID 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 $43.99 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/17/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303124499 23783891   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A FL Second Home Purchase   D B C B C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124499 23784089   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $2,325.00 exceeds tolerance of $1,500.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/18/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B C B C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303124499 23784264   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy.     The representative FICO score is above 680.

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.

Borrower has verified disposable income of at least $2500.00.

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.		 33.143% DTI Owner

Owner

Owner

Owner

Owner

Owner

Owner,Aggregator		 xxxx
 12/01/2021 2 B FL Second Home Purchase   D B C B C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124499 23914138   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy. Note loan amount of ___ is greater than Guideline maximum loan amount of ___. xxxx The representative FICO score is above 680.

Borrower has worked in the same position for more than 3 years.		   Owner

Owner		 xxxx
 12/01/2021 2 B FL Second Home Purchase   D B C B C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124508 24319603   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,813.00 exceeds tolerance of $224.00 plus 10% or $246.40.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/04/2021 1 A FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303124508 24319604   Compliance Compliance Federal Compliance TRID Defect 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 $21,031.25 exceeds tolerance of $8,976.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/04/2021 1 A FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303124508 24319605   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 10/14/2021 2 B FL Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303124527 24319873   Credit Guideline Guideline Issue Guideline Borrower has been on current job less than 2 years, and prior employment history was not documented as required. - xxxx       xxxx
 11/09/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124527 24319874   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/09/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124527 24319875   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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. xxxx       xxxx
 11/19/2021 1 A CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303124912 23768940   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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. xxxx         2 B CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303124929 23285051   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 11/03/2021 1 A NY Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124929 23732055   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $449.00 exceeds tolerance of $389.00 plus 10% or $427.90.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/10/2021 1 A NY Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303124931 24320109   Compliance Compliance Federal Compliance TRID 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 $98.35 exceeds tolerance of $75.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/12/2021 1 A VA Primary Refinance - Cash-out - Other Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303124931 24320110   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/16/2021 1 A VA Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124933 24319669   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 10/26/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124933 24319670   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 10/26/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124933 24319671   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of ATR Fail. xxxx       xxxx
 10/26/2021 1 A FL Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303124933 24319672   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Total cash-out discrepancy.   xxxx       xxxx
 10/27/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124933 24319673   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. xxxx       xxxx
 10/26/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124933 24319674   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/26/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124933 24319675   Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Employment - S-Corp Test Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp 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
 10/26/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124933 24319676   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 10/26/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124933 24319677   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 10/27/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124933 24319678   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/27/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303124933 24319679   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 10/29/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303127002 23494472   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/01/2021 1 A CA Second Home Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303127022 24319750   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date.   xxxx       xxxx
 11/09/2021 1 A MT Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303127022 24319753   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - S-Corp General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. xxxx       xxxx
 11/01/2021 1 A MT Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303127022 24319754   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/01/2021 1 A MT Second Home Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303127022 24319755   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/29/2021 1 A MT Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303127022 24319756   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 10/26/2021 1 A MT Second Home Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303127022 24319757   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/01/2021 1 A MT Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303127458 23493927   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/04/2021 1 A SC Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303128068 23742940   Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - xxxx       xxxx
 11/18/2021 1 A FL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303128068 23743753   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $775.00 exceeds tolerance of $715.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/15/2021 1 A FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303128086 23521037   Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Security Instrument - Subject Lien not provided   xxxx       xxxx
 11/09/2021 1 A NY Primary Refinance - Cash-out - Other   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303128086 23523438   Compliance Compliance Federal Compliance TRID Defect 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 $6,931.20 exceeds tolerance of $6,627.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/22/2021 1 A NY Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303128086 23523439   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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 xxxx       xxxx
 11/09/2021 1 A NY Primary Refinance - Cash-out - Other   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303128086 23625336   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 11/09/2021 1 A NY Primary Refinance - Cash-out - Other   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303128091 23549926   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.           xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303128120 22997861   Compliance Compliance Federal Compliance TRID 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 $1,145.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 09/22/2021 1 A FL Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303132358 23864227   Compliance Compliance Federal Compliance TRID Defect 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 17,352.60 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/24/2021 1 A FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303132375 24319930   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Rate/Term   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303132386 23226161   Compliance Compliance Federal Compliance TRID 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 $300.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/14/2021 1 A CO Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303132402 23466109   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 11/22/2021 1 A CA Second Home Purchase   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303132402 23466110   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 11/22/2021 1 A CA Second Home Purchase   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303132402 23466111   Compliance Compliance Federal Compliance ATR/QM 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 xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CA Second Home Purchase   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303132402 23466112   Compliance Compliance Federal Compliance ATR/QM 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 xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CA Second Home Purchase   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303132402 23466113   Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). xxxx       xxxx
 11/22/2021 1 A CA Second Home Purchase   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303132402 23466122   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of Non QM. xxxx       xxxx
 11/22/2021 1 A CA Second Home Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303132402 23466125   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Homeowners Insurance Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether Homeowners Insurance is included in escrow. xxxx       xxxx
 11/05/2021 2 B CA Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303132402 23466126   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Property Taxes Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether property taxes are included in escrow. xxxx       xxxx
 10/26/2021 1 A CA Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303132402 23466127   Compliance Compliance Federal Compliance TRID Defect 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 19,032.20 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/26/2021 1 A CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303132402 23466129   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $129.00 exceeds tolerance of $115.00 plus 10% or $126.50.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/04/2021 1 A CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303132402 23466130   Compliance Compliance Federal Compliance TRID Defect 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 $1,125.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/09/2021 1 A CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303132402 24383781   Compliance Compliance Federal Compliance ATR/QM 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 xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B CA Second Home Purchase   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303132404 23623531   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A SC Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303133926 24319986   Compliance Compliance Federal Compliance TRID Defect 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 $-2,000.00. xxxx       xxxx
 11/17/2021 1 A WA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303133993 23675150   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/12/2021 1 A IL Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303133993 23677741   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $294.00 exceeds tolerance of $198.00 plus 10% or $217.80.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/08/2021 1 A IL Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303133993 23677742   Compliance Compliance Federal Compliance TRID 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 $550.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/08/2021 1 A IL Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303133993 23683381   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/22/2021 1 A IL Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303134002 23622422   Compliance Compliance Federal Compliance TRID 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 $49.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303134003 24320130   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/24/2021 1 A OR Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303134003 24320134   Compliance Compliance Federal Compliance TRID 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 $2,300.00 exceeds tolerance of $1,200.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/15/2021 1 A OR Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303134003 24320135   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/24/2021 1 A OR Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303134003 24320136   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. xxxx       xxxx
 11/24/2021 1 A OR Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303134758 24320087   Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - xxxx       xxxx
 11/30/2021 1 A GA Primary Refinance - Cash-out - Debt Consolidation   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303134758 24320089   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/19/2021 1 A GA Primary Refinance - Cash-out - Debt Consolidation   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303134780 24320205   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/22/2021 1 A FL Second Home Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303134780 24320207   Compliance Compliance Federal Compliance TRID 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 $505.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/17/2021 1 A FL Second Home Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303135328 23573004   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/15/2021 1 A NY Second Home Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303135328 23573005   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. xxxx       xxxx
 11/12/2021 1 A NY Second Home Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303135328 23573006   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. xxxx       xxxx
 11/12/2021 1 A NY Second Home Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303135328 23573044   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/10/2021 1 A NY Second Home Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303135328 23622803   Compliance Compliance Federal Compliance TRID 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 $300.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/04/2021 1 A NY Second Home Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303135328 23622945   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/12/2021 1 A NY Second Home Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303135328 23767669   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/15/2021 1 A NY Second Home Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303135446 24320168   Credit Guideline Guideline Issue Guideline Borrower has been on current job less than 2 years, and prior employment history was not documented as required. - xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303135446 24320169   Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303135446 24320170   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/19/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303136996 23834224   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303136996 23834305   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303136996 23834316   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303136996 23845338   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 49.63196% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303136996 23845344   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303136996 23845345   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303136996 23845408   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303136996 23845412   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303136996 23886407   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - K-1 Less Than 25 Percent General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records.         xxxx
 12/08/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303137000 23897898   Compliance Compliance Federal Compliance TRID 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 $42.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/30/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303137576 24319916   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/16/2021 1 A CO Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303137576 24319917   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%).         xxxx
 11/16/2021 1 A CO Primary Refinance - Cash-out - Other   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303137576 24319918   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee.  Fee Amount of $60.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/15/2021 1 A CO Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303137576 24319919   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/09/2021 1 A CO Primary Refinance - Cash-out - Other   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303141150 23626165   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303142832 23245788   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/20/2021 1 A AZ Second Home Purchase No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303142832 23247959   Compliance Compliance Federal Compliance TRID 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 $150.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/18/2021 1 A AZ Second Home Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303142834 23693832   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/16/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303143087 23081033   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/06/2021 1 A WA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143091 23436549   Compliance Compliance Federal Compliance TRID 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 $1,010.00 exceeds tolerance of $1,000.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/22/2021 1 A CO Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143113 23586165   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7   xxxx       xxxx
 11/22/2021 1 A CO Primary Purchase   C B A A C A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143113 23586825   Compliance Compliance Federal Compliance TRID Defect 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 $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/09/2021 1 A CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143113 23586826   Compliance Compliance Federal Compliance TRID Defect 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 $45.00 exceeds tolerance of $10.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/09/2021 1 A CO Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143113 23693586   Compliance Compliance Federal Compliance TRID 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 $45.00 exceeds tolerance of $10.00.  Sufficient or excess cure was provided to the borrower. xxxx       xxxx
 11/09/2021 1 A CO Primary Purchase   C B A A C A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143113 23849874   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 Note Date:  ___; Lien Position: ___           2 B CO Primary Purchase   C B A A C A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143116 23578788   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 11/11/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143126 23680471   Compliance Compliance Federal Compliance TILA TILA NMLSR - Originator Company License Status Not Approved Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities.         xxxx
 11/12/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143126 23680476   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 11/10/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143126 23680635   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/11/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143128 23574971   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A MN Primary Refinance - Rate/Term   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143135 23669232   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/12/2021 1 A HI Primary Refinance - Rate/Term   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143145 23788401   Compliance Compliance Federal Compliance TRID 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 $1,325.00 exceeds tolerance of $1,000.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A AZ Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143154 24054885   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A SC Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143154 24055106   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $40.00 exceeds tolerance of $25.00 plus 10% or $27.50.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/10/2021 1 A SC Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143167 23305857   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/30/2021 1 A CO Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143176 24036071   Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided           xxxx
 12/13/2021 1 A WA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143194 23863176   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ xxxx       xxxx
 11/29/2021 1 A CO Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143210 23577478   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/19/2021 1 A CO Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143210 23577485   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/19/2021 1 A CO Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143210 23577501   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A CO Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143217 23753154   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/15/2021 1 A AZ Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143223 24319662   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/05/2021 1 A PA Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143223 24319663   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - K-1 Less Than 25 Percent General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. xxxx       xxxx
 11/05/2021 1 A PA Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143237 24320065   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 11/18/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143237 24320066   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/17/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143241 24319826   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143241 24319827   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143241 24319828   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143241 24319829   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143250 23261501   Compliance Compliance Federal Compliance TRID 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 $550.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/19/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143250 23261502   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/19/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143251 23253081   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/23/2021 1 A UT Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143256 23881677   Compliance Compliance Federal Compliance TRID 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 $700.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143280 23770067   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/19/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143284 23578370   Compliance Compliance Federal Compliance TRID Defect 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 797.04 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/18/2021 2 B NC Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143284 23578782   Compliance Compliance Federal Compliance TRID Defect 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 $3,045.05 exceeds tolerance of $1,726.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/09/2021 1 A NC Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143286 23649738   Compliance Compliance Federal Compliance TRID 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 $325.00 plus 10% or $357.50.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure C A A A A A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143286 23649739   Compliance Compliance Federal Compliance TRID 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 $725.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure C A A A A A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143286 23659030   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7   xxxx       xxxx
 11/12/2021 1 A CA Primary Refinance - Rate/Term   C A A A A A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143290 24073954   Compliance Compliance Federal Compliance TRID 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 $1,300.00 exceeds tolerance of $1,250.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/13/2021 1 A WA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143301 23770630   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B FL Primary Purchase   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143301 23774401   Compliance Compliance Federal Compliance TRID 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 $55.51 exceeds tolerance of $35.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/15/2021 1 A FL Primary Purchase Final CD evidences Cure B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143326 23077079   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/04/2021 1 A CA Primary Purchase No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143337 23219409   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/03/2021 1 A NH Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143337 23222121   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.           xxxx
 10/19/2021 1 A NH Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143339 23600117   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A ID Primary Refinance - Cash-out - Home Improvement   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143339 23623822   Credit Loan Package Documentation Closing / Title Loan Package Documentation Missing Lien(s) negatively impacting title   xxxx       xxxx
 11/09/2021 1 A ID Primary Refinance - Cash-out - Home Improvement   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143689 23744393   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/24/2021 1 A CA Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143689 23744793   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 11/24/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143689 23744795   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 11/24/2021 1 A CA Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143689 23744796   Compliance Compliance Federal Compliance TRID Defect 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 18,789.60 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/01/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143689 23880583   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM   xxxx       xxxx
 12/01/2021 2 B CA Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143694 24093354   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/16/2021 1 A CA Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143702 23053832   Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. xxxx         2 B FL Primary Purchase   D B B B C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143702 23053859   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/04/2021 1 A FL Primary Purchase   D B B B C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143702 23055852   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - C-Corp 1120 General QM: Unable to verify current C-Corp status using reasonably reliable third-party records. xxxx       xxxx
 12/01/2021 1 A FL Primary Purchase   D B B B C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143702 23057210   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 10/27/2021 1 A FL Primary Purchase Lender to provide updated ATR/QM status D B B B C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143702 23057211   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - C-Corp 1120 General QM: Unable to verify C-Corp income using reasonably reliable third-party records. xxxx       xxxx
 10/27/2021 1 A FL Primary Purchase   D B B B C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143709 24320098   Compliance Compliance Federal Compliance TRID Defect 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 16,362.50 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/29/2021 2 B CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143709 24320099   Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003   xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143709 24320102   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/19/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143746 23798686   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/18/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143746 23801957   Compliance Compliance Federal Compliance TRID 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 $142.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/17/2021 1 A CA Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143746 23801958   Compliance Compliance Federal Compliance TRID 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 $49.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/17/2021 1 A CA Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143747 23788135   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/22/2021 1 A TN Second Home Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143747 23788252   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 11/29/2021 1 A TN Second Home Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143747 23788752   Compliance Compliance Federal Compliance TRID Defect 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 $205.48 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/18/2021 1 A TN Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143747 23815684   Compliance Compliance Federal Compliance TRID 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 $205.48 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/18/2021 1 A TN Second Home Purchase Final CD evidences Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143752 23621560   Compliance Compliance Federal Compliance TRID Defect 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 34,836.72 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/17/2021 2 B NJ Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143754 23794602   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/23/2021 1 A MN Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143784 23062966   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 12/13/2021 1 A NY Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143788 23305931   Compliance Compliance Federal Compliance TRID Defect 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 2,758.44 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/26/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143805 23651162   Compliance Compliance Federal Compliance TRID 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 $150.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143806 23652522   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143806 23652535   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143806 23658029   Compliance Compliance Federal Compliance TRID 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 $550.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143807 23746022   Compliance Compliance Federal Compliance TRID 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 $1,770.00 exceeds tolerance of $895.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/11/2021 1 A SC Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143825 23789549   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/19/2021 1 A AZ Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143830 23492164   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/01/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143837 23434663   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 11/05/2021 1 A MO Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143851 23663715   Compliance Compliance Federal Compliance TRID Defect 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 $-766.32. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143851 23663717   Compliance Compliance Federal Compliance TRID Defect 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 $5,319.60 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143851 23683953   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143870 23781581   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/29/2021 1 A SC Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143870 23781745   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 11/22/2021 1 A SC Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143870 23782329   Compliance Compliance State Compliance State Defect 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.         xxxx
 11/18/2021 1 A SC Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143870 23783472   Compliance Compliance Federal Compliance TRID 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 $720.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/15/2021 1 A SC Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143873 24320172   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Rate/Term No Defined Cure C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143873 24320173   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143876 24319959   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/11/2021 1 A CA Primary Purchase   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143876 24319960   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $145.00 exceeds tolerance of $120.00 plus 10% or $132.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/08/2021 1 A CA Primary Purchase Final CD evidences Cure C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143876 24319961   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/23/2021 2 B CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143880 23576708   Compliance Compliance Federal Compliance TRID 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 $755.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143880 23576709   Compliance Compliance Federal Compliance TRID 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 $1,643.40 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143881 23546094   Compliance Compliance Federal Compliance TRID Defect 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 1,235.30 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/12/2021 2 B WA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143891 24320093   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/16/2021 1 A MD Primary Refinance - Cash-out - Other   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143891 24320095   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,985.00 exceeds tolerance of $1,980.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/17/2021 1 A MD Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143891 24320096   Compliance Compliance Federal Compliance TRID 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 $1,985.00 exceeds tolerance of $1,980.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/17/2021 1 A MD Primary Refinance - Cash-out - Other Final CD evidences Cure C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143905 23313765   Compliance Compliance Federal Compliance TRID 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 $730.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/21/2021 1 A AZ Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143914 23289491   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 10/26/2021 1 A UT Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303143915 23707392   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $6,041.00 exceeds tolerance of $5,333.00 plus 10% or $5,866.30.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/09/2021 1 A DC Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303143915 23707397   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/09/2021 1 A DC Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303144046 24318562   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 09/29/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303144046 24318563   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 10/01/2021 2 B CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303144046 24318564   Compliance Compliance Federal Compliance TRID Defect 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 $179.00 plus 10% or $196.90.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/01/2021 2 B CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303144046 24318565   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Total cash-out discrepancy. HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. xxxx       xxxx
 10/19/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303144046 24318566   Credit Credit Credit Documentation Credit Missing Document: Compliance Report (Mavent, ComplianceEase, etc.) not provided           xxxx
 09/23/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303144046 24318567   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 09/29/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303144046 24318568   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   xxxx       xxxx
 09/29/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303144046 24318569   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   xxxx       xxxx
 09/29/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303145806 23940103   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 12/06/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303157298 23832000   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 12/17/2021 2 B FL Second Home Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303157298 23882580   Compliance Compliance Federal Compliance TRID 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 $705.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/24/2021 1 A FL Second Home Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303157298 23882814   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B FL Second Home Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303157298 23882815   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B FL Second Home Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303180650 23438411   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   xxxx       xxxx
 09/17/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303180650 23438412   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 09/17/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303180652 24319876   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/10/2021 1 A AZ Primary Purchase   C A C A A A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303180652 24319878   Credit Credit Credit Documentation Credit No evidence of fraud report in file - xxxx       xxxx
 11/10/2021 1 A AZ Primary Purchase   C A C A A A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303180654 24319962   Credit Title Document Error Title There is no dollar amount noted on the title policy.   xxxx       xxxx
 11/12/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303180654 24319963   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/12/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303180654 24319964   Credit Guideline Guideline Issue Guideline Aged document: Asset Account date is more than 90 days prior to Closing. - xxxx       xxxx
 11/12/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303180654 24319965   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 11/11/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303181203 24333017   Property Appraisal Appraisal Reconciliation Appraisal Missing secondary valuation via Desk Review, Field Review, or 2nd URAR.   xxxx       xxxx
 10/11/2021 1 A NV Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303181203 24333019   Compliance Compliance Federal Compliance ECOA 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.         xxxx
 10/11/2021 2 B NV Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303181203 24333020   Compliance Compliance Federal Compliance TRID Defect 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 -1,384.56 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/15/2021 2 B NV Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303181203 24333021   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $2,200.00 exceeds tolerance of $2,000.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/29/2021 1 A NV Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303181203 24333022   Compliance Compliance Federal Compliance TRID Defect 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 $2,200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/29/2021 2 B NV Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303181203 24333023   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx.         xxxx
 10/14/2021 1 A NV Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303181203 24333024   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 10/11/2021 2 B NV Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303181203 24333026   Compliance Compliance Federal Compliance TRID 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 $2,200.00 exceeds tolerance of $2,000.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 10/29/2021 1 A NV Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303181203 24333027   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $2,200.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 10/29/2021 1 A NV Primary Refinance - Cash-out - Other   C B A A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303181234 23870543   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $575.00 exceeds tolerance of $375.00 plus 10% or $412.50.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Home Improvement Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303181234 23870544   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Home Improvement Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303181234 23870545   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lenders Coverage Premium.  Fee Amount of $1,350.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Home Improvement Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303181234 23870546   Compliance Compliance Federal Compliance TRID 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 $550.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Home Improvement Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303181234 23870626   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303181234 23870657   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303181249 24333356   Credit Credit Credit Documentation Guideline Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided           xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303181249 24333360   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 11/09/2021 2 B CA Primary Refinance - Cash-out - Home Improvement   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303181249 24333364   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/03/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303181262 23610832   Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303181262 23615543   Compliance Compliance Federal Compliance TRID Defect 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 28,205.64 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303181262 23615544   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Rate/Term No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184083 23850813   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx         2 B FL Primary Purchase   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184086 23579839   Compliance Compliance Federal Compliance TRID 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 $720.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A ID Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184086 23579840   Compliance Compliance Federal Compliance TRID 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 $350.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A ID Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184086 23579841   Compliance Compliance Federal Compliance TRID 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 $56.00 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A ID Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184095 23485852   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/01/2021 1 A FL Second Home Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184096 24041747   Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.           xxxx
 12/21/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184096 24041968   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,743.60  is less than amount of binding Lender Credit previously disclosed in the amount of $-4,233.60. xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184118 23652209   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/11/2021 1 A FL Second Home Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184118 23652540   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/11/2021 1 A FL Second Home Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184118 23652551   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/12/2021 1 A FL Second Home Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184118 23658085   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/11/2021 1 A FL Second Home Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184118 23658086   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/11/2021 1 A FL Second Home Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184118 23658155   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 60.34185% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.)         xxxx
 11/11/2021 1 A FL Second Home Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184118 23658157   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.         xxxx
 11/11/2021 1 A FL Second Home Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184118 23658195   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 11/11/2021 1 A FL Second Home Refinance - Cash-out - Other Lender to provide updated ATR/QM status D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184118 23685539   Compliance Compliance Federal Compliance TRID 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 $1,365.00 exceeds tolerance of $850.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/08/2021 1 A FL Second Home Refinance - Cash-out - Other Final CD evidences Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184118 23687961   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/11/2021 1 A FL Second Home Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184123 23596343   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/08/2021 1 A AZ Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184123 23597403   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/08/2021 1 A AZ Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184123 23599070   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/08/2021 1 A AZ Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184123 23606933   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A AZ Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184123 23609420   Compliance Compliance Federal Compliance TRID Defect TRID Closing Disclosure Issue Date Not Provided TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on xx/xx/xxxx did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. xxxx       xxxx
 11/08/2021 1 A AZ Primary Refinance - Cash-out - Other Good Faith Redisclosure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184124 23851173   Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Rider - Other not provided   xxxx       xxxx
 11/23/2021 1 A TX Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184125 23708819   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/12/2021 1 A MN Primary Refinance - Rate/Term   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184126 23704405   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 12/01/2021 1 A TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184126 23704776   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           xxxx
 12/01/2021 1 A TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184126 23708833   Compliance Compliance Federal Compliance TRID Defect 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 $119.62 exceeds tolerance of $100.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/12/2021 1 A TX Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184126 23708913   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B TX Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184126 23708915   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $9,016.24  is less than amount of binding Lender Credit previously disclosed in the amount of $-16,783.00. xxxx       xxxx
 11/22/2021 1 A TX Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184126 23850682   Compliance Compliance Federal Compliance TRID 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 $119.62 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/22/2021 1 A TX Primary Refinance - Rate/Term Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184127 23479506   Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - xxxx       xxxx
 11/05/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184132 23398431   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/27/2021 1 A WI Primary Refinance - Rate/Term   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184132 23433246   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.30 exceeds tolerance of $60.00 plus 10% or $66.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/21/2021 1 A WI Primary Refinance - Rate/Term Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184132 23433247   Compliance Compliance Federal Compliance TRID 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 $110.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/21/2021 1 A WI Primary Refinance - Rate/Term Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184188 23578232   Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003           xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Other   B A A A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184188 23584660   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $225.00 exceeds tolerance of $175.00 plus 10% or $192.50.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/02/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure B A A A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184188 23584661   Compliance Compliance Federal Compliance TRID 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 $22.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/02/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure B A A A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184190 23696142   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/12/2021 1 A AZ Primary Refinance - Cash-out - Other   D B A A C A D B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184190 23696620   Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Appraisal is required to be in name of Lender - xxxx         2 B AZ Primary Refinance - Cash-out - Other   D B A A C A D B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184190 23696891   Compliance Compliance Federal Compliance TRID Defect 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 $7,860.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/12/2021 1 A AZ Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C A D B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184217 23770186   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184217 23771975   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx did not disclose Estimated Property Costs over Year 1. xxxx       xxxx
 11/16/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184217 23773719   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. xxxx       xxxx
 11/17/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184222 23497639   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/01/2021 1 A MI Primary Purchase Lender to provide updated ATR/QM status D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303184222 23498087   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/01/2021 1 A MI Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184222 23507670   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/03/2021 1 A MI Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184233 23573442   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/08/2021 1 A NY Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184247 23244528   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/22/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184247 23244581   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 12/01/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184247 23247625   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 12/01/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303184440 23787163   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/19/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188345 23772451   Compliance Compliance Federal Compliance TRID 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 $52.00 exceeds tolerance of $42.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/15/2021 1 A CO Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303188345 23772766   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/22/2021 1 A CO Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303188345 23774406   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 11/22/2021 1 A CO Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188345 23775802   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. xxxx       xxxx
 11/22/2021 1 A CO Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188352 23476485   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A MI Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188379 24319760   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/04/2021 1 A CA Second Home Purchase   C A C A A A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303188379 24319762   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy.   xxxx       xxxx
 11/02/2021 1 A CA Second Home Purchase   C A C A A A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303188389 24320251   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/24/2021 1 A OR Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188389 24320253   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/29/2021 1 A OR Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188965 23571991   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/09/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188967 24319846   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/12/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303188967 24319850   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 11/30/2021 1 A CA Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303188967 24319851   Compliance Compliance Federal Compliance ATR/QM Defect 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 44.64172% moderately exceeds the guideline maximum of 43.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303188967 24319852   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of ATR Risk. xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303188967 24319853   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303188967 24319854   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303188967 24319855   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303188973 24319941   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $84.00 exceeds tolerance of $42.00 plus 10% or $46.20.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/29/2021 1 A NV Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303188974 24319911   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 11/11/2021 1 A SC Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188974 24319912   Compliance Compliance State Compliance State Defect 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. xxxx       xxxx
 11/10/2021 1 A SC Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188974 24319913   Credit Guideline Guideline Issue Guideline Borrower has been on current job less than 2 years, and prior employment history was not documented as required. - xxxx       xxxx
 11/11/2021 1 A SC Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188974 24319914   Compliance Compliance Federal Compliance TRID 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 $625.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A SC Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303188983 24319776   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/03/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188983 24319777   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188983 24319779   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/01/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188983 24319780   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/18/2021 1 A CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303188983 24319781   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. xxxx       xxxx
 11/18/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188986 23851422   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/23/2021 1 A FL Second Home Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188986 23852287   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $232.50 exceeds tolerance of $207.00 plus 10% or $227.70.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/28/2021 1 A FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303188987 23493238   Credit Credit Credit Documentation Guideline Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification. - xxxx       xxxx
 11/10/2021 1 A CA Primary Purchase   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188987 23493617   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 10/29/2021 1 A CA Primary Purchase No Defined Cure C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303188987 23493618   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $284.00 exceeds tolerance of $117.00 plus 10% or $128.70.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 2 B CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303188989 23816147   Compliance Compliance Federal Compliance TRID Defect 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 14,183.70 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/21/2021 2 B NV Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303190569 23833292   Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003           xxxx
 11/29/2021 1 A ID Second Home Purchase   D A C A B A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190569 23833685   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/29/2021 1 A ID Second Home Purchase   D A C A B A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190569 23840458   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A ID Second Home Purchase   D A C A B A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190571 23792820   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/17/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190571 23792830   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/23/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190571 23792834   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/17/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190571 23792858   Compliance Compliance Federal Compliance TRID 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 $106.50 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A FL Second Home Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303190587 23784754   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/22/2021 1 A WA Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190587 23785769   Compliance Compliance Federal Compliance TRID Defect 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 $250.00 exceeds tolerance of $200.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/02/2021 1 A WA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303190587 23920654   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $250.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 12/02/2021 1 A WA Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303190592 24319977   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/12/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190599 23548150   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.           xxxx
 11/05/2021 1 A CA Primary Purchase   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190599 23581179   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx         2 B CA Primary Purchase   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190674 23788649   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/22/2021 1 A CO Primary Refinance - Cash-out - Home Improvement   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190675 23578405   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B FL Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190675 23578408   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-484.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-764.00. xxxx       xxxx
 12/16/2021 2 B FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303190675 23578409   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,500.00 exceeds tolerance of $705.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/11/2021 1 A FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303190675 23578410   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $6,160.00 exceeds tolerance of $6,050.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/11/2021 1 A FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303190675 23578420   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx       xxxx
 11/11/2021 1 A FL Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190675 23616927   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 11/10/2021 1 A FL Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190675 23721298   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 12/16/2021 2 B FL Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303190675 23721299   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 12/16/2021 2 B FL Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303190675 23721300   Compliance Compliance Federal Compliance TRID Defect 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 $356.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/16/2021 2 B FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303190680 23493325   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/01/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303190946 24319843   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/08/2021 1 A CO Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303192604 24319887   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/05/2021 1 A CA Primary Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303192604 24319888   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/09/2021 1 A CA Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193450 23660824   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx         2 B FL Second Home Purchase   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193470 23741900   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-6,451.50  is less than amount of binding Lender Credit previously disclosed in the amount of $-6,664.00. xxxx       xxxx
 11/15/2021 1 A NY Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193474 23769768   Credit Credit Credit Documentation Guideline Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification. - xxxx         2 B CA Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193474 23772353   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 12/01/2021 1 A CA Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193482 23093549   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/29/2021 1 A OR Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193488 24319935   Compliance Compliance Federal Compliance Missing Non-Required Data (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.         xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193488 24319936   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193491 24320144   Credit Credit Credit Documentation Credit No evidence of fraud report in file - xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193491 24320145   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193491 24320146   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193491 24320147   Compliance Compliance Federal Compliance ATR/QM Defect 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
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193491 24320148   Compliance Compliance Federal Compliance TRID Defect 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 30,160.68 on Final Closing Disclosure provided on xx/xx/xxxx not accurate.         xxxx
 11/23/2021 2 B CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193491 24320149   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of Non QM. xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193491 24320151   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy.           xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Other   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193491 24320153   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Other   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193493 24319615   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 10/08/2021 1 A CA Primary Purchase   D A C A C A D A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303193493 24319616   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date:  ___ xxxx       xxxx
 10/08/2021 1 A CA Primary Purchase   D A C A C A D A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303193493 24319617   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of Non QM. xxxx       xxxx
 10/13/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status D A C A C A D A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303193493 24319618   Compliance Compliance Federal Compliance ATR/QM Defect Overtime Bonus Declining Qualified Mortgage (Dodd-Frank 2014): Use of continual decline in income for Overtime/Bonus not justified or documented. xxxx       xxxx
 10/13/2021 1 A CA Primary Purchase   D A C A C A D A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303193493 24319619   Compliance Compliance Federal Compliance ATR/QM Defect Overtime Bonus Method of Calculation Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. xxxx       xxxx
 10/13/2021 1 A CA Primary Purchase   D A C A C A D A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303193493 24319620   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 11/11/2021 1 A CA Primary Purchase   D A C A C A D A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303193501 23479157   Property Valuation Valuation Issue Valuation The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal           xxxx
 11/04/2021 1 A CA Primary Refinance - Cash-out - Other   C A A A A A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193516 23478584   Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - xxxx       xxxx
 10/29/2021 1 A WA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303193516 23481003   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,958.01 exceeds tolerance of $1,584.00 plus 10% or $1,742.40.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/26/2021 1 A WA Primary Refinance - Rate/Term Final CD evidences Cure C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303193518 24319681   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/04/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C A B A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303193518 24319682   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 11/04/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   C A B A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303193518 24319683   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/27/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   C A B A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303193524 24320256   Compliance Compliance Federal Compliance TRID Defect 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 $525.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/29/2021 1 A TX Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193524 24320257   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/29/2021 1 A TX Primary Refinance - Rate/Term No Defined Cure C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193524 24320258   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/24/2021 1 A TX Primary Refinance - Rate/Term   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193525 24319953   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193526 24319746   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/01/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193526 24319748   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/02/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193526 24319749   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/29/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193539 24319933   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/09/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303193550 23772579   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $577.00 exceeds tolerance of $403.00 plus 10% or $443.30.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/15/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193550 23772581   Compliance Compliance Federal Compliance TRID 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 $795.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/15/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193550 23774251   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/17/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193551 23638951   Compliance Compliance Federal Compliance TRID Defect 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 2,284.37 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/11/2021 1 A AZ Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193558 23656453   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Insurance Binder Fee.  Fee Amount of $85.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193558 23657111   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/08/2021 2 B CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193558 23657112   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/08/2021 2 B CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193569 23574776   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/18/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193569 23574816   Credit Loan Package Documentation Closing / Title Loan Package Documentation Title Error: Title vesting does not concur with deed   xxxx       xxxx
 11/18/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193569 23593538   Compliance Compliance Federal Compliance TRID 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 $835.00 exceeds tolerance of $725.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/02/2021 1 A WA Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193578 23770728   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7           xxxx
 11/19/2021 1 A CO Primary Purchase   C B C A C B C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193578 23770902   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/17/2021 1 A CO Primary Purchase   C B C A C B C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193578 23771576   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/xxxx not accurate. xxxx       xxxx
 11/23/2021 2 B CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193578 23931660   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 Note Date:  ___; Lien Position: ___           2 B CO Primary Purchase   C B C A C B C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193604 23768350   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/22/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193606 23597210   Credit Credit Credit Documentation Guideline Missing Document: Asset not provided   xxxx       xxxx
 11/10/2021 1 A FL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193606 23600070   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/10/2021 1 A FL Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193606 23608161   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 11/10/2021 1 A FL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193606 23608579   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/12/2021 1 A FL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193606 23609010   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. xxxx       xxxx
 11/10/2021 1 A FL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193620 23460402   Compliance Compliance Federal Compliance TRID 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 $705.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/25/2021 1 A FL Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193622 23606588   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/10/2021 1 A CT Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193622 23623027   Compliance Compliance Federal Compliance TRID Defect 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 $7,206.17 exceeds tolerance of $1,664.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A CT Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193622 23623028   Compliance Compliance Federal Compliance TRID Defect 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 $975.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/14/2021 2 B CT Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303193654 23554804   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/03/2021 1 A VA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM Safe Harbor QM (43-Q) No
303193782 23636328   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/10/2021 1 A TX Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303193782 23643030   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $136.00 exceeds tolerance of $0.00 plus 10% or $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A TX Second Home Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303196022 23669158   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/11/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303196022 23671772   Compliance Compliance Federal Compliance TRID 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 $760.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303196022 23673177   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303196023 23776677   Compliance Compliance Federal Compliance TRID Defect 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 7,684.56 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303196023 23776716   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-495.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-3,120.00. xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303196023 23781704   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303196023 23795456   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/18/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303196111 24319943   Compliance Compliance Federal Compliance TRID 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 $900.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A CO Primary Refinance - Cash-out - Home Improvement Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303196972 23451936   Compliance Compliance Federal Compliance TRID 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 $1,095.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/22/2021 1 A NY Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303196972 23451937   Compliance Compliance Federal Compliance TRID 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 $225.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/22/2021 1 A NY Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303196972 23451938   Compliance Compliance Federal Compliance TRID 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 $37,338.00 exceeds tolerance of $37,308.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/22/2021 1 A NY Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303197026 24333375   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/16/2021 1 A CA Second Home Refinance - Rate/Term No Defined Cure D B D B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197026 24333376   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 11/15/2021 1 A CA Second Home Refinance - Rate/Term   D B D B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197026 24333377   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Other not provided   xxxx       xxxx
 11/15/2021 1 A CA Second Home Refinance - Rate/Term   D B D B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197026 24333378   Credit System General Appraisal Reconciliation Valuation address does not match Note address. - xxxx       xxxx
 11/15/2021 1 A CA Second Home Refinance - Rate/Term   D B D B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197026 24333380   Credit Guideline Guideline Issue Guideline Aged document: Primary Valuation is older than guidelines permit - xxxx 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 been employed in the same industry for more than 5 years.		   Owner

Owner

Owner

Owner

Owner		 xxxx
 11/08/2021 2 B CA Second Home Refinance - Rate/Term   D B D B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197026 24333381   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 11/11/2021 1 A CA Second Home Refinance - Rate/Term   D B D B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197026 24333382   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 11/11/2021 1 A CA Second Home Refinance - Rate/Term   D B D B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197026 24333383   Compliance Compliance Federal Compliance TRID Defect 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 66,631.56 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/09/2021 2 B CA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure D B D B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303197026 24333384   Credit System General Appraisal Reconciliation Valuation address does not match Note address. - xxxx       xxxx
 11/08/2021 1 A CA Second Home Refinance - Rate/Term   D B D B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197026 24333385   Credit Hazard Insurance Document Error Hazard Insurance Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.   xxxx       xxxx
 11/08/2021 1 A CA Second Home Refinance - Rate/Term   D B D B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197026 24333386   Credit Missing Document General Missing Document Missing Document: Credit Report - Gap not provided   xxxx       xxxx
 11/08/2021 1 A CA Second Home Refinance - Rate/Term   D B D B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197026 24333387   Credit Insurance Insurance Analysis Insurance Insurance address does not match Note address.   xxxx       xxxx
 11/08/2021 1 A CA Second Home Refinance - Rate/Term   D B D B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197078 23598290   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/10/2021 1 A CO Primary Refinance - Rate/Term   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197078 23599523   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 11/12/2021 2 B CO Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303197078 23647813   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 11/12/2021 2 B CO Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303197442 24320213   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/30/2021 1 A CA Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197442 24320215   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/23/2021 1 A CA Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197442 24320216   Credit Title Document Error Title There is no dollar amount noted on the title policy.   xxxx       xxxx
 11/30/2021 1 A CA Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197461 23890001   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/30/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303197461 23890007   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/30/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303200500 23669555   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/10/2021 1 A TN Primary Refinance - Rate/Term   D A A A B A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303200500 23671578   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 11/11/2021 1 A TN Primary Refinance - Rate/Term   D A A A B A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303200822 23680607   Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003           xxxx
 2 B CA Primary Refinance - Rate/Term   D B C A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303200822 23680768   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/10/2021 1 A CA Primary Refinance - Rate/Term   D B C A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303200822 23683979   Credit Income Income Eligibility Income Borrower has un-audited YTD P&L and does not have 2 months bank statements. (GSE COVID-19) -         xxxx
 12/10/2021 1 A CA Primary Refinance - Rate/Term   D B C A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303201350 23496232   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,239.06 exceeds tolerance of $2,006.00 plus 10% or $2,206.60.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/27/2021 1 A WA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303201350 23496233   Compliance Compliance Federal Compliance TRID 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 $180.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/27/2021 1 A WA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303201350 23496234   Compliance Compliance Federal Compliance TRID 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 $10.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/27/2021 1 A WA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303201683 24320126   Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 calendar days of the Note. - xxxx       xxxx
 11/23/2021 1 A AZ Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303201687 23681041   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form Notice of Right to Cancel Missing Truth in Lending Act: Notice of Right to Cancel was not provided. xxxx       xxxx
 11/10/2021 1 A OR Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303201687 23683425   Compliance Compliance Federal Compliance TRID Defect 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 $3,555.75 exceeds tolerance of $2,525.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/15/2021 2 B OR Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303205095 23282927   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___         xxxx
 10/29/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303205095 23434601   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 10/29/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303205567 24320175   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (43-Q) does not match Due Diligence Loan Designation of Non QM. xxxx       xxxx
 12/01/2021 1 A FL Second Home Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303205567 24320177   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 12/01/2021 1 A FL Second Home Purchase   C A A A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303205567 24320178   Compliance Compliance Federal Compliance ATR/QM Defect S-Corp Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). xxxx       xxxx
 11/30/2021 1 A FL Second Home Purchase   C A A A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303205749 24319648   Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. xxxx       xxxx
 10/28/2021 1 A GA Primary Purchase No Defined Cure C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303205749 24319650   Compliance Compliance Federal Compliance TRID Defect 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 $850.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/08/2021 2 B GA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303205749 24319651   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/09/2021 1 A GA Primary Purchase   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303205758 24333036   Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Cell Phone Consent not provided     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 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.		   Owner

Owner

Owner

Owner

Owner		 xxxx
 10/08/2021 2 B CA Primary Refinance - Cash-out - Other   C B B B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303205758 24333037   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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). xxxx       xxxx
 10/08/2021 2 B CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B B B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303205758 24333038   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 10/08/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B B B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303205758 24333040   Compliance Compliance Federal Compliance ATR/QM Defect 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
 10/08/2021 1 A CA Primary Refinance - Cash-out - Other   C B B B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303205763 23795072   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/29/2021 1 A CO Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303205763 23795113   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/19/2021 1 A CO Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208265 24319561   Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold)         xxxx
 11/24/2021 1 A FL Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208265 24319562   Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) Truth in Lending Act (HOEPA):  HOEPA disclosure was not provided to the Borrower         xxxx
 11/24/2021 1 A FL Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208265 24319563   Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days.         xxxx
 11/24/2021 1 A FL Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208265 24319564   Compliance Compliance Federal Compliance Federal Defect (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.10131% is in excess of the allowable maximum of  5.00000% of the Federal Total Loan Amount. Points and Fees of $xxx on a Federal Total Loan Amount of $xxx vs. an allowable total of $xxx (an overage of $xxx or .10131%).  Non-Compliant High Cost Loan.         xxxx
 11/24/2021 1 A FL Primary Purchase (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303208265 24319565   Compliance Legal / Regulatory / Compliance Anti-Predatory Violation Federal Defect (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling.         xxxx
 11/24/2021 1 A FL Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208265 24319566   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%).         xxxx
 11/24/2021 1 A FL Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208265 24319567   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/24/2021 1 A FL Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303208265 24319568   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure xx/xx/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.) xxxx       xxxx
 12/02/2021 1 A FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303208333 23751438   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. xxxx       xxxx
 12/10/2021 1 A CA Second Home Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303208333 23751439   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx did not disclose Estimated Property Costs over Year 1. xxxx       xxxx
 12/10/2021 1 A CA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303208333 23751440   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. xxxx       xxxx
 12/10/2021 1 A CA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303208333 23751441   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 12/10/2021 1 A CA Second Home Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303208337 24319834   Compliance Compliance Federal Compliance TRID Defect 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 34,701.26 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/10/2021 2 B CA Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303208337 24319835   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/04/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208344 23651996   Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003   xxxx       xxxx
 11/17/2021 1 A IN Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208344 23670151   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided           xxxx
 11/11/2021 1 A IN Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208344 23671217   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/11/2021 1 A IN Primary Refinance - Cash-out - Other No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208347 24319548   Compliance Compliance Federal Compliance TRID Defect 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 43,503.48 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/20/2021 2 B CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303208347 24319549   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   xxxx       xxxx
 09/22/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208347 24319550   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 09/30/2021 1 A CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303208347 24319551   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 09/30/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208347 24319552   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208347 24319553   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 09/30/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208347 24319554   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 09/22/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208347 24319555   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 44.94505% significantly exceeds the guideline maximum of 35.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) xxxx       xxxx
 09/30/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208347 24319556   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/12/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208904 23849557   Compliance Compliance Federal Compliance TRID Defect 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 $4,275.00 exceeds tolerance of $2,375.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/23/2021 1 A AZ Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303208904 23860334   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/23/2021 1 A AZ Primary Refinance - Cash-out - Other   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208908 23770010   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/19/2021 1 A CO Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303208908 23776694   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Divorce Decree / Child Support not provided   xxxx       xxxx
 11/16/2021 1 A CO Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212028 24319764   Compliance Compliance Federal Compliance TRID Defect 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 27,515.04 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/08/2021 2 B CA Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303212122 24319824   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 11/09/2021 1 A CA Primary Refinance - Cash-out - Home Improvement TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303212122 24319825   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/03/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212128 24319743   Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). xxxx       xxxx
 10/29/2021 2 B CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303212128 24319744   Compliance Compliance Federal Compliance TRID Defect 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 6,854.28 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/28/2021 2 B CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303212129 24319808   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212129 24319809   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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. xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Home Improvement TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303212129 24319810   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Minimum Loan Amount discrepancy.   xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212129 24319812   Compliance Compliance Federal Compliance TRID Defect 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 18,224.28 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/23/2021 2 B CA Primary Refinance - Cash-out - Home Improvement Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303212129 24319813   Credit Credit Credit Eligibility Guideline There are red flags on the fraud report that have not been addressed - xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212129 24319814   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212133 24319804   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212133 24319805   Compliance Compliance Federal Compliance TRID Defect 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 15,218.52 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/08/2021 2 B CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303212133 24319806   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/03/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212146 24319653   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/22/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212306 24320121   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/30/2021 1 A CA Second Home Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212306 24320123   Compliance Compliance Federal Compliance TRID 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 $8,732.60 exceeds tolerance of $7,087.60.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A CA Second Home Refinance - Rate/Term Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303212306 24320124   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/18/2021 1 A CA Second Home Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212341 23458292   Compliance Compliance Federal Compliance ATR/QM Defect Retirement Documentation Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. xxxx       xxxx
 11/16/2021 1 A WA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212341 23458293   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 11/16/2021 1 A WA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303212341 23458294   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/16/2021 1 A WA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303212341 23459135   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/16/2021 1 A WA Primary Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212342 23786509   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount. The Final Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         xxxx
 11/18/2021 1 A OR Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303212342 23787863   Compliance Compliance Federal Compliance TRID 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 $1,235.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/16/2021 1 A OR Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303212342 23787864   Compliance Compliance Federal Compliance TRID 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 $900.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/16/2021 1 A OR Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303216420 23672526   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/12/2021 1 A WA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303216422 24320114   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/15/2021 1 A GA Primary Refinance - Cash-out - Other Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303216422 24320115   Compliance Compliance Federal Compliance TRID 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 $2,880.00 exceeds tolerance of $2,250.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/15/2021 1 A GA Primary Refinance - Cash-out - Other Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303216422 24320116   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/18/2021 1 A GA Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303216444 23788053   Compliance Compliance Federal Compliance TRID 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 $730.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A AZ Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303216446 23670067   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   xxxx Property inspected post disaster but pre-FEMA declaration of disaster end date. Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: 8/24/21. Owner xxxx
 11/11/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303217970 24320244   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/23/2021 1 A OR Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303218364 24319702   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   xxxx       xxxx
 11/17/2021 1 A CA Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303218364 24319704   Compliance Compliance Federal Compliance TRID Defect 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 18,064.68 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 10/22/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303218631 24319881   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/08/2021 1 A CA Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303218641 24173296   Compliance Compliance Federal Compliance TRID 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 $32.80 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/17/2021 1 A AZ Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303218641 24173299   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $60.00 plus 10% or $66.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/17/2021 1 A AZ Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303218642 23786515   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/22/2021 1 A CO Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303218642 23786519   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/16/2021 1 A CO Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303218642 23786535   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/16/2021 1 A CO Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303218642 23788735   Compliance Compliance Federal Compliance TRID 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 $124.50 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A CO Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303218643 23832384   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/22/2021 1 A CO Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303218647 23781055   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/19/2021 1 A FL Primary Refinance - Cash-out - Other No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303218647 23781056   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,189.60  is less than amount of binding Lender Credit previously disclosed in the amount of $-2,573.00. xxxx       xxxx
 11/17/2021 1 A FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303218654 23285985   Compliance Compliance Federal Compliance TRID Defect 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 9,057.12 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/16/2021 2 B FL Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303218654 23434689   Compliance Compliance Federal Compliance TRID 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 $3,905.00 exceeds tolerance of $2,756.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/21/2021 1 A FL Primary Refinance - Cash-out - Other Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303218659 24320119   Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 calendar days of the Note. - xxxx       xxxx
 11/24/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303218659 24320120   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/18/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303218667 24319968   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/11/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303218672 23722970   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - ___ xxxx       xxxx
 11/11/2021 1 A OR Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303218675 23654992   Compliance Compliance Federal Compliance TRID Defect 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 2,405.37 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/15/2021 1 A FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303218675 23654994   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/19/2021 2 B FL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303218679 23580283   Compliance Compliance Federal Compliance TRID 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 $1,200.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303220623 23699582   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 11/12/2021 2 B GA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303220992 24320157   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,099.60 exceeds tolerance of $834.00 plus 10% or $917.40.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/29/2021 1 A IA Primary Refinance - Cash-out - Home Improvement Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303220992 24320158   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/19/2021 1 A IA Primary Refinance - Cash-out - Home Improvement   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303220993 24319926   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/09/2021 1 A TX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303221704 23645579   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/12/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303221704 23646392   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/12/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303221704 23648120   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/14/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303221714 23838508   Compliance Compliance Federal Compliance TRID Defect 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 $90.60 exceeds tolerance of $59.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/29/2021 1 A WY Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303221714 23838620   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation (YSP).  Fee Amount of $5,585.64 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/29/2021 1 A WY Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303221714 23886280   Compliance Compliance Federal Compliance TRID 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 $90.60 exceeds tolerance of $59.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/29/2021 1 A WY Second Home Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303221729 23788516   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/19/2021 1 A FL Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303221729 23790196   Compliance Compliance Federal Compliance TRID Defect 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 $-1,158.00. xxxx       xxxx
 11/19/2021 1 A FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303221732 24320055   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/17/2021 1 A CA Primary Refinance - Rate/Term   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303221732 24320056   Compliance Compliance Federal Compliance TRID Defect 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 29,297.04 on Final Closing Disclosure provided on xx/xx/xxxx not accurate.         xxxx
 11/19/2021 1 A CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303221748 24320058   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/19/2021 1 A WA Second Home Refinance - Rate/Term No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303221748 24320060   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/18/2021 1 A WA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303221748 24320061   Credit System General Appraisal Reconciliation Valuation address does not match Note address. - xxxx       xxxx
 11/22/2021 1 A WA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303221748 24320062   Credit Insurance Insurance Analysis Insurance Insurance address does not match Note address.   xxxx       xxxx
 11/24/2021 1 A WA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303221748 24320063   Credit System General System Flood Certificate Subject Address does not match Note address.   xxxx       xxxx
 11/24/2021 1 A WA Second Home Refinance - Rate/Term   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303221751 24320155   Compliance Compliance Federal Compliance TRID 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 $995.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A TX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222191 24319972   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/11/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222194 24319975   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/11/2021 1 A CA Second Home Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222243 23583285   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Recording Fee Total.  Fee Amount of $176.00 exceeds tolerance of $171.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/16/2021 2 B CO Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303222245 23658170   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/05/2021 1 A IL Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222259 23563914   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/10/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222259 23563915   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/10/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222259 23564102   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/10/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222259 23564130   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   xxxx       xxxx
 11/10/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222259 23564489   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 11/10/2021 1 A WA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222259 23686247   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 74.35299% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) xxxx       xxxx
 11/10/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222259 23686249   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 11/10/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222309 24320045   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/17/2021 1 A CA Primary Purchase   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222309 24320046   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/17/2021 1 A CA Primary Purchase   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222309 24320047   Credit Title Document Error Title There is no dollar amount noted on the title policy.   xxxx       xxxx
 11/18/2021 1 A CA Primary Purchase   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222309 24320048   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/17/2021 1 A CA Primary Purchase   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222325 23318813   Compliance Compliance Federal Compliance TRID 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 $900.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/21/2021 1 A AZ Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222326 24070053   Compliance Compliance Federal Compliance TRID Defect 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 $-805.00. xxxx       xxxx
 12/16/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222326 24070055   Compliance Compliance Federal Compliance TRID Defect 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 $1,439.38 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/16/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222326 24070066   Compliance Compliance Federal Compliance TRID Defect 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 $705.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222326 24070099   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Other No Defined Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222326 24070310   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222326 24070311   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222326 24070526   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. xxxx       xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222326 24070533   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222326 24106770   Compliance Compliance Federal Compliance TRID 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 $705.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/16/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222337 23863257   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ xxxx       xxxx
 11/29/2021 1 A UT Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222346 23787960   Compliance Compliance Federal Compliance TRID 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 $600.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/16/2021 1 A UT Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222363 23585459   Compliance Compliance Federal Compliance TRID 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 $160.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/02/2021 1 A WI Primary Refinance - Rate/Term Final CD evidences Cure C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303222363 23604881   Compliance Compliance Federal Compliance TRID Defect 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 $160.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/19/2021 1 A WI Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303222363 23605085   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for 1004D Re-cert of Value.  Fee Amount of $160.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/07/2021 2 B WI Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303222373 23785960   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/19/2021 1 A CA Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222376 24320103   Credit Loan Package Documentation Closing / Title Collateral Security Instrument is not signed by borrower(s).   xxxx       xxxx
 11/17/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222376 24320105   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 11/22/2021 2 B CA Primary Refinance - Cash-out - Other   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222376 24320107   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303222384 23656352   Compliance Compliance Federal Compliance TRID Defect 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 3,465.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/16/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222384 23656650   Compliance Compliance Federal Compliance TRID 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.         xxxx
 11/05/2021 1 A CA Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222384 23656651   Compliance Compliance Federal Compliance TRID 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.         xxxx
 11/05/2021 1 A CA Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222384 23656652   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee.  Fee Amount of $104.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/05/2021 1 A CA Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303222384 23658632   Compliance Compliance Federal Compliance TRID 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 $350.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A CA Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303223682 24320210   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 12/01/2021 2 B UT Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303223682 24320212   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/22/2021 1 A UT Primary Purchase   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303223685 24319836   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/09/2021 1 A CA Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303223685 24319838   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 11/17/2021 1 A CA Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303223685 24319840   Compliance Compliance Federal Compliance TRID Defect 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 20,655.96 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/03/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303223702 23773712   Compliance Compliance Federal Compliance TRID 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 $2,145.00 exceeds tolerance of $1,000.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/15/2021 1 A TX Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303224552 23554240   Compliance Compliance Federal Compliance TRID 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 $1,650.00 exceeds tolerance of $1,100.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/01/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303224973 24319889   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/08/2021 1 A FL Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303224973 24319891   Compliance Compliance Federal Compliance TRID 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 $750.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A FL Primary Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303224991 23786502   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 12/09/2021 1 A MT Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303224991 23787789   Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   xxxx       xxxx
 11/19/2021 1 A MT Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303224991 23789382   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/19/2021 1 A MT Second Home Purchase No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303224999 23770091   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/19/2021 1 A UT Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225002 23834240   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 12/03/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225002 23842941   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $265.00 exceeds tolerance of $141.00 plus 10% or $155.10.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/19/2021 1 A CA Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225002 23842942   Compliance Compliance Federal Compliance TRID 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 $935.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/19/2021 1 A CA Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225002 23842943   Compliance Compliance Federal Compliance TRID 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 $56.00 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/19/2021 1 A CA Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225002 23842944   Compliance Compliance Federal Compliance TRID 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 $37.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/19/2021 1 A CA Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225012 24320111   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/18/2021 1 A GA Primary Refinance - Cash-out - Other   B B B A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225012 24320112   Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). xxxx       xxxx
 11/24/2021 2 B GA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure B B B A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225020 24319687   Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: # of years at current address was not provided - xxxx       xxxx
 10/28/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225020 24319689   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/28/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225023 24319698   Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Appraisal is required to be in name of Lender - xxxx       xxxx
 11/02/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A B A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225023 24319699   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/25/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A B A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225023 24319700   Credit Income / Employment Income Documentation Income / Employment Income documentation requirements not met.   xxxx       xxxx
 10/27/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A B A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225027 23753158   Compliance Compliance Federal Compliance TRID 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 $600.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/11/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225036 23568601   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/12/2021 1 A NJ Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303225057 24320077   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 12/01/2021 1 A CO Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225057 24320080   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/17/2021 1 A CO Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225057 24320081   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 11/29/2021 1 A CO Second Home Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225057 24320082   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.83009% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) xxxx       xxxx
 11/22/2021 1 A CO Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225057 24320083   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/22/2021 1 A CO Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225057 24320084   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.         xxxx
 11/29/2021 1 A CO Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225065 23572921   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/08/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225065 23572992   Compliance Compliance Federal Compliance TRID 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 $200.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/01/2021 1 A CA Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225077 23553232   Compliance Compliance Federal Compliance TRID 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 $79.13 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/30/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225077 23553233   Compliance Compliance Federal Compliance TRID 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 $246.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/30/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225079 24093701   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/17/2021 1 A AZ Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225080 23767747   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/16/2021 1 A UT Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225080 23767907   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/16/2021 1 A UT Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225080 23767909   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/16/2021 1 A UT Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225080 23767913   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A UT Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303225080 23768548   Compliance Compliance Federal Compliance TRID Defect 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 $-466.00. xxxx       xxxx
 11/19/2021 1 A UT Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225080 23768549   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $80.00 plus 10% or $88.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/19/2021 1 A UT Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225080 23768550   Compliance Compliance Federal Compliance TRID Defect 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 $399.15 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/16/2021 1 A UT Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225080 23833571   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $80.00 plus 10% or $88.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/19/2021 1 A UT Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303225087 23554715   Compliance Compliance Federal Compliance TRID 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 $700.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/01/2021 1 A AZ Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303225087 23554716   Compliance Compliance Federal Compliance TRID 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 $110.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/01/2021 1 A AZ Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303226242 23700851   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/12/2021 1 A CO Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303227410 24319989   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of . xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303227410 24319990   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/19/2021 1 A CA Primary Refinance - Cash-out - Other   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303227455 24319797   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/03/2021 1 A CA Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303227797 24319884   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/08/2021 1 A CA Second Home Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303227807 23890493   Compliance Compliance Federal Compliance TRID Defect 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 4,400.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/10/2021 2 B MT Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303227807 23893005   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 12/07/2021 1 A MT Second Home Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303228126 24320003   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.           xxxx
 11/24/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303228127 24319798   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/03/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303228127 24319802   Credit Credit Miscellaneous Credit Missing Document: Credit Letter of Explanation (LOE) not provided   xxxx       xxxx
 11/05/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303228134 24067832   Compliance Compliance Federal Compliance TRID 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 $815.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/10/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228137 23787652   Compliance Compliance Federal Compliance TRID Defect 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 19,810.08 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/23/2021 2 B MI Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228137 23787816   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/22/2021 1 A MI Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303228139 24068611   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 12/15/2021 1 A GA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303228139 24068612   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 12/15/2021 1 A GA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303228153 23786760   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 12/10/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303228154 24046428   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/10/2021 1 A CA Primary Refinance - Cash-out - Other   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303228154 24046680   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 12/21/2021 2 B CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228154 24046682   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 12/21/2021 2 B CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228154 24046683   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,923.00 exceeds tolerance of $1,639.00 plus 10% or $1,802.90.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/16/2021 2 B CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228154 24046684   Compliance Compliance Federal Compliance TRID Defect 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 $750.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/13/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228154 24046685   Compliance Compliance Federal Compliance TRID Defect 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 $80.40 exceeds tolerance of $40.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/13/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228154 24108248   Compliance Compliance Federal Compliance TRID 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 $1,923.00 exceeds tolerance of $1,639.00 plus 10% or $1,802.90.  Sufficient or excess cure was provided to the borrower.         xxxx
 12/16/2021 1 A CA Primary Refinance - Cash-out - Other   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228154 24108249   Compliance Compliance Federal Compliance TRID 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 $1,000.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 12/16/2021 1 A CA Primary Refinance - Cash-out - Other   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228154 24108250   Compliance Compliance Federal Compliance TRID 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 $80.40 exceeds tolerance of $40.00.  Sufficient or excess cure was provided to the borrower.         xxxx
 12/16/2021 1 A CA Primary Refinance - Cash-out - Other   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228165 23790022   Compliance Compliance Federal Compliance TRID Defect 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 7,941.48 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/19/2021 2 B CO Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228165 23791687   Compliance Compliance Federal Compliance TRID 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 $885.00 exceeds tolerance of $875.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A CO Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228170 23617335   Compliance Compliance Federal Compliance TRID 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 $77.56 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/04/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303228179 23579458   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-3,535.86  is less than amount of binding Lender Credit previously disclosed in the amount of $-3,788.07. xxxx       xxxx
 12/03/2021 1 A CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230115 23875714   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230115 23876514   Compliance Compliance Federal Compliance TRID 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 $36.00 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230125 23724392   Compliance Compliance Federal Compliance TRID Defect 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 $36,986.49 exceeds tolerance of $34,473.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/01/2021 1 A CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230509 24319893   Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. xxxx       xxxx
 11/16/2021 1 A CA Primary Purchase   C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303230509 24319895   Compliance Compliance Federal Compliance TRID Defect 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 12,429.60 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/16/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303230509 24319896   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. xxxx       xxxx
 11/16/2021 2 B CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303230509 24319897   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Additional Processing Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303230511 24320247   Credit Title Document Error Title There is no dollar amount noted on the title policy.   xxxx       xxxx
 11/30/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230511 24320249   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/30/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230517 23251301   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 12/20/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303230517 23251302   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 12/20/2021 1 A CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
303230517 23491339   Compliance Compliance Federal Compliance TRID Defect 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 30,933.96 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/04/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303230517 23515466   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/13/2021 1 A CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
303230517 23515478   Compliance Compliance Federal Compliance ATR/QM Defect 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 45.36113% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 12/20/2021 1 A CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
303230517 23515798   Compliance Compliance Federal Compliance ATR/QM Defect 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. xxxx       xxxx
 12/20/2021 1 A CA Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM (43-Q) No
303230538 24320012   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date:  ___ xxxx       xxxx
 11/23/2021 1 A CA Primary Purchase   C B C A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303230538 24320014   Compliance Compliance Federal Compliance TRID Defect 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 35,980.92 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/19/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303230565 23791307   Compliance Compliance Federal Compliance TRID 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 $780.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A TN Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230566 23697112   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee.  Fee Amount of $77.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/09/2021 1 A CA Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230566 23697113   Compliance Compliance Federal Compliance TRID 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 $250.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/09/2021 1 A CA Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230566 23697530   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/12/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230575 23700503   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,299.00 exceeds tolerance of $2,866.00 plus 10% or $3,152.60.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/09/2021 1 A CO Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303230581 24106722   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 12/17/2021 1 A CT Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230581 24169035   Compliance Compliance Federal Compliance TRID 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 $705.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/16/2021 1 A CT Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230591 23854485   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/01/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230595 23854471   Compliance Compliance State Compliance Misc. State Level Michigan CMPA Home Loan Toolkit Status Michigan Consumer Mortgage Protection Act:  Home Loan Toolkit not provided to borrower. xxxx         2 B MI Primary Refinance - Limited Cash-out GSE   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230600 23854468   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $174.90 exceeds tolerance of $150.00 plus 10% or $165.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/19/2021 2 B CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230606 23854454   Credit Guideline Guideline Issue Guideline Borrower has been on current job less than 2 years, and prior employment history was not documented as required. - xxxx       xxxx
 11/01/2021 1 A OH Primary Refinance - Limited Cash-out GSE   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230613 23854436   Credit Credit Credit Documentation Missing Document  Missing Document: Credit Report not provided           xxxx
 11/01/2021 1 A CA Primary Purchase   D A D A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230615 23854430   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230617 23854439   Compliance Compliance Federal Compliance TRID Defect 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 31,310.64 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/01/2021 2 B CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230621 23854424   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/01/2021 1 A CO Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230622 23854418   Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Rider - Other not provided   xxxx       xxxx
 11/11/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230622 23854419   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-11,234.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-11,555.00. xxxx       xxxx
 11/03/2021 1 A CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230627 23854404   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx       xxxx
 01/07/2022 1 A FL Primary Refinance - Cash-out - Other   B A A A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230628 23854410   Credit Asset Asset Calculation / Analysis Asset Guideline Requirement: Available for Reserves discrepancy.   xxxx       xxxx
 11/16/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230629 23854395   Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.           2 B CO Primary Refinance - Cash-out - Other   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230629 23854397   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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.           2 B CO Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230631 23854384   Credit Credit Credit Documentation Missing Document  Missing Document: Credit Report not provided   xxxx       xxxx
 11/03/2021 1 A WA Primary Refinance - Rate/Term   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230631 23854385   Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Credit History Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. xxxx       xxxx
 11/03/2021 1 A WA Primary Refinance - Rate/Term   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230631 23854386   Compliance Compliance Federal Compliance ATR/QM NonQM ATR Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. xxxx       xxxx
 11/03/2021 1 A WA Primary Refinance - Rate/Term   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230631 23854387   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/03/2021 1 A WA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230631 23854388   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/03/2021 1 A WA Primary Refinance - Rate/Term   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230631 23854389   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/03/2021 1 A WA Primary Refinance - Rate/Term   D A D A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230632 23854398   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-2,403.46  is less than amount of binding Lender Credit previously disclosed in the amount of $-3,235.00. xxxx       xxxx
 11/17/2021 2 B CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230635 23854382   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/05/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230635 23854383   Compliance Compliance Federal Compliance TRID 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 $1,516.74 exceeds tolerance of $1,516.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/20/2021 1 A FL Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230637 23854372   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/03/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230638 23854371   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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. xxxx         2 B CO Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230640 23854370   Compliance Compliance Federal Compliance TRID Defect 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 34,522.56 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/02/2021 2 B TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230644 23854361   Compliance Compliance Federal Compliance TRID Defect 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 22,858.80 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/03/2021 2 B TX Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230647 23854355   Compliance Compliance Federal Compliance ECOA 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.           2 B CA Primary Refinance - Limited Cash-out GSE   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230652 23854344   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 11/05/2021 2 B PA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230652 23854345   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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). xxxx       xxxx
 11/05/2021 1 A PA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230653 23854346   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 11/05/2021 2 B PA Primary Refinance - Limited Cash-out GSE TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230653 23854347   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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). xxxx       xxxx
 11/05/2021 2 B PA Primary Refinance - Limited Cash-out GSE TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230657 23854323   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $841.74 exceeds tolerance of $799.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/04/2021 1 A TN Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230657 23854324   Compliance Compliance Federal Compliance TRID Defect 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 $6,473.44 exceeds tolerance of $6,400.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/04/2021 1 A TN Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230664 23854299   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/11/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230664 23854301   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/05/2021 1 A FL Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230664 23854302   Compliance Compliance Federal Compliance ATR/QM Defect 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 xxxx%). xxxx       xxxx
 11/05/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303230669 23854297   Compliance Compliance Federal Compliance TRID 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 $15.00 exceeds tolerance of $10.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A AR Primary Refinance - Limited Cash-out GSE Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303230686 23854279   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/02/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303232611 23785968   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/19/2021 1 A CA Primary Refinance - Rate/Term   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303232613 23853394   Compliance Compliance Federal Compliance TRID 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 $725.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/22/2021 1 A CA Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303232617 23794454   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/22/2021 1 A UT Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303232625 24320227   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/23/2021 1 A GA Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303232631 23747821   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/15/2021 1 A UT Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303233482 23785085   Compliance Compliance Federal Compliance TRID 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 $760.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303233483 23898529   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 12/06/2021 1 A NY Primary Purchase   C A C A A A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303233483 23906773   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7           xxxx
 12/02/2021 1 A NY Primary Purchase   C A C A A A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303233498 23797510   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303233498 23798646   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 11/24/2021 1 A FL Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303233498 23798647   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 52.53972% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) xxxx       xxxx
 11/23/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303233498 23798651   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/24/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303233498 23798652   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/23/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303233498 23798740   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 11/24/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303233504 23768352   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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 xxxx       xxxx
 11/21/2021 1 A AZ Primary Refinance - Cash-out - Other   B A A A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303233516 23802233   Compliance Compliance Federal Compliance TRID 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 $740.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/17/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303236570 23726893   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/11/2021 1 A NC Second Home Purchase No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303236570 23726894   Compliance Compliance Federal Compliance TRID 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 $1,592.00 exceeds tolerance of $1,523.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/10/2021 1 A NC Second Home Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303236570 23728567   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 11/11/2021 1 A NC Second Home Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237279 24319705   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 11/08/2021 1 A CA Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237279 24319708   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/12/2021 1 A CA Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237279 24319709   Compliance Compliance Federal Compliance TRID Defect 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 11,115.06 on Final Closing Disclosure provided on xx/xx/xxxx not accurate.         xxxx
 11/08/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303237279 24319710   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure xx/xx/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.) xxxx       xxxx
 11/08/2021 1 A CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303237821 24042872   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237821 24042950   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237821 24169073   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $350.00 exceeds tolerance of $314.00 plus 10% or $345.40.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/16/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303237822 23880312   Compliance Compliance Federal Compliance TRID Defect 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 15,473.76 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303237832 23897178   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 12/06/2021 1 A CA Second Home Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237832 23897183   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/03/2021 1 A CA Second Home Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237832 23898117   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. xxxx       xxxx
 12/01/2021 1 A CA Second Home Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237832 23900971   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs don't match and both significantly exceed Guidelines General QM: The DTIs calculated in accordance with the Lenders Guidelines of 63.95447% and based on 1026.43(e) of 63.95444% significantly exceed the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) xxxx       xxxx
 12/01/2021 1 A CA Second Home Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237832 23901628   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/01/2021 1 A CA Second Home Purchase Lender to provide updated ATR/QM status D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303237832 23901655   Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003   xxxx       xxxx
 12/01/2021 1 A CA Second Home Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237832 23902873   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/01/2021 1 A CA Second Home Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237832 23902935   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 12/01/2021 1 A CA Second Home Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237832 23904775   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/01/2021 1 A CA Second Home Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237832 23905768   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/01/2021 1 A CA Second Home Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237834 23787604   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A MN Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303237834 23787724   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/18/2021 1 A MN Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238374 24320193   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238374 24320195   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/24/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238383 23754283   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee.  Fee Amount of $32.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/11/2021 1 A CA Second Home Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303238383 23754642   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided   xxxx       xxxx
 11/15/2021 1 A CA Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238390 23946836   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 12/06/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303238390 23949891   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/08/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238392 23832633   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238392 23832707   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238392 23832708   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238392 23832710   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238393 23842929   Compliance Compliance Federal Compliance TRID 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 $550.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/19/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303238401 23788878   Compliance Compliance Federal Compliance TRID Defect 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 9,803.64 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/17/2021 1 A FL Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303238406 23653521   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 11/09/2021 1 A NY Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238420 23575776   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Missing Document: Note - Subordinate Lien not provided           xxxx
 11/24/2021 1 A SC Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238420 23575884   Compliance Compliance State Compliance State Defect 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. xxxx       xxxx
 11/09/2021 1 A SC Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238420 23576481   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/08/2021 1 A SC Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303238420 23694698   Compliance Compliance State Compliance State Defect 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.         xxxx
 11/12/2021 1 A SC Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303241667 23657347   Compliance Compliance Federal Compliance TRID 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 $825.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A NJ Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303241667 23657350   Compliance Compliance Federal Compliance TRID 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 $140.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A NJ Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303241667 23657351   Compliance Compliance Federal Compliance TRID 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 $16,899.00 exceeds tolerance of $12,900.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/05/2021 1 A NJ Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303241679 23900845   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/02/2021 1 A CO Primary Refinance - Rate/Term   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303241679 23901205   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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. xxxx       xxxx
 12/13/2021 1 A CO Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303243627 24049068   Compliance Compliance Federal Compliance TRID 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 $1,518.32 exceeds tolerance of $1,518.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A HI Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303244175 24318533   Compliance Compliance Federal Compliance TRID 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 $11,550.00 exceeds tolerance of $11,500.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/04/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303244179 24318539   Credit Missing Document General Missing Document Missing Document: Source of Funds/Deposit not provided   xxxx       xxxx
 11/01/2021 1 A CA Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244179 24318541   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided           xxxx
 10/26/2021 1 A CA Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244179 24318542   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 10/26/2021 1 A CA Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244179 24318543   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 10/26/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303244179 24318544   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Wages General QM:  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. xxxx       xxxx
 10/26/2021 1 A CA Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244179 24318545   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 10/28/2021 1 A CA Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244179 24318547   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 10/21/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303244179 24318548   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx 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.

The representative FICO score exceeds the guideline minimum by at least 40 points.		 Credit Score is 750, 70 points > program requirement of 680. Owner

Owner

Owner

Owner

Owner,Originator		 xxxx
 10/19/2021 2 B CA Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244179 24318549   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx 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.

The representative FICO score exceeds the guideline minimum by at least 40 points.		 Credit Score is 750, 70 points > program requirement of 680. Owner

Owner

Owner

Owner

Owner,Originator		 xxxx
 10/19/2021 2 B CA Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244437 24319869   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/29/2021 2 B CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303244437 24319870   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 11/09/2021 1 A CA Primary Refinance - Cash-out - Other   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244437 24319871   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Cash-out - Other   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244444 24320052   Compliance Compliance Federal Compliance TRID Defect 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 16,493.40 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/18/2021 1 A CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303244444 24320053   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/17/2021 1 A CA Primary Refinance - Cash-out - Other   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244870 23742103   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/22/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244896 24035567   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244896 24035976   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 12/15/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244896 24035985   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/13/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244896 24036004   Property Property - Appraisal General Appraisal Requirements Property - Appraisal The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant.  Unable to verify occupancy. - xxxx       xxxx
 12/13/2021 1 A FL Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244896 24036958   Compliance Compliance Federal Compliance TRID 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 $99.60 exceeds tolerance of $95.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/08/2021 1 A FL Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303244898 23867410   Credit Missing Document General Missing Document Missing Document: Credit Card Statement not provided   xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244898 23869867   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244898 23869870   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244898 23869872   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244898 23869874   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244901 23629252   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - K-1 Less Than 25 Percent General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244901 23629253   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - K-1 Less Than 25 Percent General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244901 23629254   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - K-1 Less Than 25 Percent General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244901 23629255   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - K-1 Less Than 25 Percent General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244901 23629256   Compliance Compliance Federal Compliance TRID Defect 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 1,608.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/15/2021 2 B CA Primary Refinance - Cash-out - Debt Consolidation Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303244901 23629267   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303244901 23630615   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Debt Consolidation No Defined Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244977 23789899   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $225.00 exceeds tolerance of $175.00 plus 10% or $192.50.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303244977 23789900   Compliance Compliance Federal Compliance TRID 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 $39.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303244986 23614611   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Cash-out - Other   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244986 23614777   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy. Note loan amount of ___ is greater than Guideline maximum loan amount of ___.   The representative FICO score is above 680.

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 has worked in the same position for more than 3 years.

Borrower has verified disposable income of at least $2500.00.

The representative FICO score exceeds the guideline minimum by at least 40 points.		 763 FICO Owner

Owner

Owner

Owner

Owner

Owner,Aggregator		 xxxx
 11/16/2021 2 B CA Primary Refinance - Cash-out - Other   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303244987 23750304   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 12/01/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246324 23570365   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 11/11/2021 1 A VA Primary Purchase No Defined Cure C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
303246353 23724888   Compliance Compliance Federal Compliance TRID 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 $1,250.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/10/2021 1 A CA Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303246353 23724911   Credit Missing Document General Missing Document Missing Document: Cancelled Check(s) not provided   xxxx       xxxx
 11/12/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246353 23728990   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/12/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246353 23729033   Credit Credit Credit Documentation Credit No evidence of fraud report in file - xxxx       xxxx
 11/12/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246747 24320021   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246747 24320022   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. xxxx       xxxx
 12/01/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246747 24320023   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246747 24320024   Compliance Compliance Federal Compliance TRID Defect 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 16,017.48 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/18/2021 1 A CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303246747 24320025   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/01/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303246747 24320027   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/16/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246747 24320028   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246747 24320029   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 48.03226% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246749 24319859   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 11/18/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246749 24319860   Credit Credit Credit Documentation Credit No evidence of fraud report in file - xxxx       xxxx
 11/18/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246749 24319861   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 11/19/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246749 24319863   Credit Asset Asset Calculation / Analysis Asset Guideline Requirement: Available for Reserves discrepancy.           xxxx
 11/19/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246749 24319864   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/12/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246749 24319865   Credit Credit Credit Eligibility Guideline There are red flags on the fraud report that have not been addressed - xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246756 24320129   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/19/2021 1 A CA Primary Refinance - Rate/Term   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246762 23768710   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/17/2021 1 A UT Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246762 23768711   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/17/2021 1 A UT Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246762 23782267   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/19/2021 1 A UT Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246766 23875664   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/30/2021 1 A NY Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303246768 24035286   Compliance Compliance Federal Compliance TRID 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 $67.00 exceeds tolerance of $37.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/08/2021 1 A CO Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303246774 23921579   Compliance Compliance Federal Compliance TRID Defect 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 22,225.28 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/07/2021 1 A FL Second Home Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303248008 23897217   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/02/2021 1 A GA Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303248008 23897265   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 12/02/2021 1 A GA Primary Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303248009 23843079   Compliance Compliance Federal Compliance TRID 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 $73.00 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/19/2021 1 A VA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303248742 23862415   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 12/01/2021 1 A MI Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303248742 23862536   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/01/2021 1 A MI Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303248742 23863712   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   xxxx       xxxx
 11/24/2021 1 A MI Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303248753 23832208   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 11/29/2021 1 A TX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303248753 23884819   Compliance Compliance Federal Compliance TRID 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 $150.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/24/2021 1 A TX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303248755 24049668   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/14/2021 1 A SC Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303249574 24333366   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 10/29/2021 1 A CA Second Home Purchase   D B D A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303249574 24333367   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire.  Fee Amount of $400.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/11/2021 2 B CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B D A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303249574 24333368   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $325.00 exceeds tolerance of $105.00 plus 10% or $115.50.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/11/2021 2 B CA Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B D A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303249574 24333369   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/01/2021 1 A CA Second Home Purchase Lender to provide updated ATR/QM status D B D A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303249574 24333370   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 10/26/2021 1 A CA Second Home Purchase   D B D A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303249574 24333371   Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided   xxxx       xxxx
 10/29/2021 1 A CA Second Home Purchase   D B D A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303249574 24333372   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.           xxxx
 10/29/2021 1 A CA Second Home Purchase   D B D A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303249574 24333373   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Appraisal is missing.; Sec ID: 1   xxxx       xxxx
 10/29/2021 1 A CA Second Home Purchase   D B D A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303249574 24333374   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/01/2021 1 A CA Second Home Purchase   D B D A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303252761 23865472   Credit Credit Credit Documentation Guideline Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification. -           2 B AZ Primary Refinance - Cash-out - Other   B B B B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303252761 23865510   Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.           2 B AZ Primary Refinance - Cash-out - Other   B B B B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303252761 23866462   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $70.00 exceeds tolerance of $60.00 plus 10% or $66.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/23/2021 1 A AZ Primary Refinance - Cash-out - Other Final CD evidences Cure B B B B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303252764 23616705   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/10/2021 1 A HI Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303252764 23625023   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/28/2021 1 A HI Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303252834 24319956   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/10/2021 1 A NJ Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303252834 24319957   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/10/2021 1 A NJ Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303253352 23963338   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/08/2021 1 A NY Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303253352 23963500   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 12/09/2021 1 A NY Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303254541 23785570   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A AZ Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303254882 24319996   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $150.00 exceeds tolerance of $108.00 plus 10% or $118.80.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/10/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303257028 24318501   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided           xxxx
 10/28/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257028 24318502   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 11/05/2021 2 B CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303257031 24318488   Compliance Compliance Federal Compliance TRID Defect 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 $525.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/29/2021 2 B CO Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303257031 24318489   Compliance Compliance Federal Compliance TRID Defect 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 $41.48 exceeds tolerance of $38.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 10/29/2021 2 B CO Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303257031 24318490   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx 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.		 Credit score is 721, 41 points > program minimum of 680
DTI is 42.557%, 7.443% < program maximum of 50%
Borrower is an attorney since 5/1/2012		 Owner

Owner,Originator		 xxxx
 10/26/2021 2 B CO Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257031 24318491   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/02/2021 1 A CO Primary Refinance - Cash-out - Other   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257032 24318891   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 10/28/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257032 24318892   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 10/28/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257032 24318893   Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         xxxx
 11/09/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257032 24318894   Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. -         xxxx
 11/09/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257032 24318897   Credit Guideline Guideline Issue Guideline Borrower has been on current job less than 2 years, and prior employment history was not documented as required.   xxxx       xxxx
 11/09/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257032 24318898   Credit Guideline Guideline Issue Guideline Borrower has been on current job less than 2 years, and prior employment history was not documented as required. -         xxxx
 11/09/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257457 23900674   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/03/2021 1 A CA Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257458 24057123   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/13/2021 1 A NY Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257480 24319739   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Courier / Express Mail / Messenger Fee.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/18/2021 1 A ID Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303257480 24319740   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   xxxx       xxxx
 10/21/2021 1 A ID Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257480 24319741   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/21/2021 1 A ID Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257484 23833589   Compliance Compliance Federal Compliance TRID 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.         xxxx
 11/19/2021 1 A CA Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303257484 23843774   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257487 23772905   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/19/2021 1 A UT Primary Refinance - Cash-out - Other   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303257487 23777175   Compliance Compliance Federal Compliance TRID Defect 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 $30,000.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/16/2021 1 A UT Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303258970 23905899   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/30/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303259519 24320071   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/17/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303260164 24320229   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date.   xxxx       xxxx
 11/29/2021 1 A CA Primary Purchase   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303260164 24320230   Compliance Compliance Federal Compliance TRID TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). xxxx       xxxx
 11/29/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303260164 24320232   Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - xxxx       xxxx
 12/01/2021 1 A CA Primary Purchase   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303260164 24320233   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 12/01/2021 1 A CA Primary Purchase   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303260164 24320234   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/30/2021 1 A CA Primary Purchase   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303260178 24319907   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/17/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303260178 24319908   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided           xxxx
 11/15/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303260186 23638923   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.           xxxx
 11/12/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303260202 24065212   Compliance Compliance Federal Compliance TRID Defect 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 4,737.12 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/17/2021 2 B FL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303260202 24065229   Compliance Compliance Federal Compliance TRID 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 $1,100.00 exceeds tolerance of $895.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/10/2021 1 A FL Second Home Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303260202 24065230   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee.  Fee Amount of $145.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/10/2021 1 A FL Second Home Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303260202 24065231   Compliance Compliance Federal Compliance TRID 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 $148.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/10/2021 1 A FL Second Home Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303260211 23851917   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/24/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303260212 24070499   Compliance Compliance Federal Compliance TRID 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 $1,335.00 exceeds tolerance of $1,000.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/13/2021 1 A OR Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303260212 24070531   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/16/2021 1 A OR Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303260215 23897640   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 12/01/2021 1 A FL Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303260219 23863125   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Rate/Term   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303260232 23862245   Compliance Compliance Federal Compliance TRID Defect 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 $1,060.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/16/2021 2 B CO Second Home Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303260234 23775807   Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. - xxxx       xxxx
 11/17/2021 1 A CA Primary Purchase   D A A A C A D A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303260234 23775824   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/19/2021 1 A CA Primary Purchase   D A A A C A D A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303260234 23782017   Compliance Compliance Miscellaneous Compliance ATR/QM Defect Rental Income Vacating Primary Qualified Mortgage (Dodd-Frank 2014): Analysis of Rental income requirement not met. Borrower's current address matches the REO property address. xxxx       xxxx
 11/23/2021 1 A CA Primary Purchase   D A A A C A D A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303260234 23782018   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of Non QM. xxxx       xxxx
 11/23/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status D A A A C A D A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303260781 23784721   Compliance Compliance Federal Compliance TRID 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 $2,000.00 exceeds tolerance of $475.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A NV Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303260781 23784722   Compliance Compliance Federal Compliance TRID 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 $1,938.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A NV Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
303263277 23789710   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,509.27  is less than amount of binding Lender Credit previously disclosed in the amount of $-4,520.00. xxxx       xxxx
 11/23/2021 1 A FL Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303263280 23859236   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7   xxxx       xxxx
 11/23/2021 1 A NY Primary Purchase   C B A A A A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303263280 23870289   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 Note Date:  ___; Lien Position: ___           2 B NY Primary Purchase   C B A A A A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265301 24319766   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/01/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265301 24319768   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/02/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265301 24319769   Compliance Compliance Federal Compliance TRID Defect 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 12,293.64 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303265301 24319770   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/02/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265301 24319771   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265301 24319773   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 46.78303% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.)         xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265301 24319774   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.         xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265301 24319775   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303265385 24319787   Compliance Compliance Federal Compliance TRID 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 $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. xxxx       xxxx
 10/27/2021 1 A NJ Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303265385 24319788   Compliance Compliance Federal Compliance TRID 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 $845.00 exceeds tolerance of $795.00.  Sufficient or excess cure was provided to the borrower. xxxx       xxxx
 10/27/2021 1 A NJ Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303265385 24319789   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $900.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. xxxx       xxxx
 10/27/2021 1 A NJ Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303265385 24319790   Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. xxxx       xxxx
 11/09/2021 1 A NJ Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265385 24319791   Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). xxxx       xxxx
 11/09/2021 1 A NJ Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265385 24319792   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of Non QM. xxxx       xxxx
 11/09/2021 1 A NJ Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303265385 24319793   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/09/2021 1 A NJ Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265385 24319794   Compliance Compliance Federal Compliance ECOA 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. xxxx       xxxx
 11/16/2021 2 B NJ Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265416 23786489   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 11/17/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265416 23786865   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 11/17/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303265416 23788927   Compliance Compliance Federal Compliance TRID 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 $470.50 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A CO Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303266511 24318480   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           xxxx
 11/01/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266511 24318484   Compliance Compliance Federal Compliance TRID 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 $1,595.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/26/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303266511 24318485   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   xxxx       xxxx
 11/01/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266513 24318876   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.         xxxx
 11/10/2021 2 B CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266513 24318877   Compliance Compliance Federal Compliance TRID Defect 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 21,117.91 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/05/2021 2 B CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303266513 24318878   Compliance Compliance Federal Compliance TRID 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 $154.75 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/29/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303266513 24318879   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 11/04/2021 2 B CA Primary Refinance - Cash-out - Other TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303266513 24318880   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on xx/xx/xxxx incorrectly disclosed whether the loan will have an escrow account. xxxx       xxxx
 11/05/2021 2 B CA Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303266513 24318881   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266513 24318882   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266513 24318883   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/08/2021 1 A CA Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266514 24318920   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           xxxx
 11/05/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266514 24318921   Credit Credit Credit Documentation Credit Missing Document: Compliance Report (Mavent, ComplianceEase, etc.) not provided           xxxx
 11/05/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266514 24318923   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266514 24318924   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO Schedule E Method General QM: 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       xxxx
 11/10/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266514 24318925   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx       xxxx
 11/10/2021 2 B CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266514 24318926   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 11/09/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266514 24318927   Compliance Compliance Federal Compliance TRID 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 $1,100.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/28/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303266514 24318928   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303266514 24318929   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266514 24318930   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/10/2021 1 A CA Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266514 24318931   Compliance Compliance Federal Compliance TRID Defect 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 37,070.11 on Final Closing Disclosure provided on xx/xx/xxxx not accurate.         xxxx
 11/04/2021 2 B CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303266514 24318932   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan.         xxxx
 11/04/2021 1 A CA Primary Refinance - Rate/Term TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303266515 24318516   Credit Credit Credit Documentation Credit Missing Document: Compliance Report (Mavent, ComplianceEase, etc.) not provided           xxxx
 10/13/2021 1 A NY Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266515 24318517   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 10/20/2021 1 A NY Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266624 23897269   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/30/2021 1 A AL Second Home Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303266624 23897739   Compliance Compliance Federal Compliance TRID 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 $700.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/30/2021 1 A AL Second Home Purchase Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303266624 23897774   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy.   xxxx       xxxx
 12/06/2021 1 A AL Second Home Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303267781 24319922   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/09/2021 1 A CA Second Home Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303268330 23785092   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/18/2021 1 A PA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303268372 23888201   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/30/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303268896 23801036   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/22/2021 1 A FL Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303268896 23801037   Compliance Compliance Federal Compliance ATR/QM Defect 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       xxxx
 11/22/2021 1 A FL Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303268896 23801114   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 11/22/2021 1 A FL Primary Purchase Lender to provide updated ATR/QM status D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303268896 23801540   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A FL Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303268905 23771321   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/19/2021 1 A FL Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303268905 23775837   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $193.50 exceeds tolerance of $175.00 plus 10% or $192.50.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/15/2021 1 A FL Second Home Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303268905 23775838   Compliance Compliance Federal Compliance TRID 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 $705.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/15/2021 1 A FL Second Home Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303268907 24038504   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A TX Primary Refinance - Rate/Term   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303269529 23999323   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/08/2021 1 A SC Primary Refinance - Cash-out - Other   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303269529 24026720   Compliance Compliance State Compliance State Defect 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. xxxx       xxxx
 12/10/2021 1 A SC Primary Refinance - Cash-out - Other   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303269529 24027011   Compliance Compliance Federal Compliance TRID Defect 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 10,098.36 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/15/2021 2 B SC Primary Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303269530 23962389   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/09/2021 1 A TN Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271112 23793233   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A FL Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271112 23793305   Compliance Compliance Federal Compliance TRID 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 $81.00 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A FL Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303271119 23922647   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/07/2021 1 A FL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271119 23922763   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 12/07/2021 1 A FL Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303271119 23922764   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 53.05900% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) xxxx       xxxx
 12/07/2021 1 A FL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271119 23922765   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 12/07/2021 1 A FL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271119 23926425   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 12/07/2021 1 A FL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271119 23926431   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 12/07/2021 1 A FL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271119 23926433   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 12/07/2021 1 A FL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271124 23785421   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy.   xxxx       xxxx
 11/23/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271124 23786267   Compliance Compliance Federal Compliance TRID 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 $1,700.00 exceeds tolerance of $705.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/16/2021 1 A FL Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303271124 23852054   Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Maximum Loan Amount discrepancy.   xxxx       xxxx
 11/24/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271155 24319815   Credit Missing Document General Missing Document Missing Document: COVID-19 Attestation not provided           xxxx
 10/21/2021 1 A CO Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271155 24319818   Compliance Compliance Federal Compliance TRID 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 $800.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 10/20/2021 1 A CO Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303271155 24319819   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/25/2021 1 A CO Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271155 24319820   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy.   xxxx       xxxx
 10/28/2021 1 A CO Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271155 24319821   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy.   xxxx       xxxx
 10/28/2021 1 A CO Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303271155 24319822   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 10/28/2021 1 A CO Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272221 24320263   Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - xxxx       xxxx
 12/01/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272221 24320264   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272349 24320199   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Rate/Term   C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272349 24320200   Credit Loan Package Documentation Application / Processing Loan Package Documentation Loan originated as Primary residence, yet URLA declarations indicates borrower will not occupy. - xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Rate/Term   C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272349 24320201   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Rate/Term   C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272349 24320202   Compliance Compliance Federal Compliance FACTA 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. xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Rate/Term   C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272349 24320203   Credit Title Document Error Title There is no dollar amount noted on the title policy.   xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Rate/Term   C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272350 24320260   Compliance Compliance Federal Compliance TRID 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 $515.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/19/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303272350 24320261   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Rate/Term   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272372 24215754   Compliance Compliance Federal Compliance TRID 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 $46.00 exceeds tolerance of $40.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/21/2021 1 A NC Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303272376 23963466   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/08/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272379 23879170   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272388 23948888   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/07/2021 1 A FL Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272392 23746540   Compliance Compliance Federal Compliance TRID 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 $850.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/11/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303272392 23746545   Compliance Compliance Federal Compliance TRID 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 $81.42 exceeds tolerance of $80.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/11/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303272393 23998923   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee.  Fee Amount of $1,055.00 exceeds tolerance of $1,050.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/16/2021 2 B NY Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303272393 23998924   Compliance Compliance Federal Compliance TRID Defect 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 $69.15 exceeds tolerance of $60.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/07/2021 1 A NY Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303272394 23926584   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/05/2021 1 A AZ Second Home Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272396 23796977   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/01/2021 1 A UT Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272410 23886067   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/29/2021 1 A UT Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303272410 23886723   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $80.00 plus 10% or $88.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/29/2021 1 A UT Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303272412 23908277   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/03/2021 1 A FL Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303275294 23936842   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7           xxxx
 12/08/2021 1 A CA Primary Refinance - Cash-out - Other   C A A A A A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303275296 24070547   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303275298 23908071   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/02/2021 1 A FL Primary Refinance - Cash-out - Other   D B A A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303275298 23908733   Compliance Compliance Federal Compliance Missing Disclosure 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. xxxx         2 B FL Primary Refinance - Cash-out - Other   D B A A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303275301 23934839   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/07/2021 1 A NY Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303277923 24319900   Compliance Compliance Federal Compliance TRID 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 $1,300.00 exceeds tolerance of $1,100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/03/2021 1 A CO Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303277923 24319901   Compliance Compliance Federal Compliance TRID 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 $97.79 exceeds tolerance of $95.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/03/2021 1 A CO Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303277923 24319902   Compliance Compliance Federal Compliance TRID 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 $95.00 exceeds tolerance of $80.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/03/2021 1 A CO Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303278706 24320191   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303278706 24320192   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303278714 24318869   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided           xxxx
 11/10/2021 1 A UT Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303278714 24318870   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   xxxx       xxxx
 11/05/2021 1 A UT Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303289266 23899564   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 12/01/2021 1 A CA Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303289266 23899567   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 46.34486% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) xxxx       xxxx
 12/01/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303289266 23899628   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/01/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303289266 23899629   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/01/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303289266 23899809   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 12/01/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303289267 23850288   Compliance Compliance Federal Compliance TRID Defect 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 25,749.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/29/2021 1 A CA Second Home Refinance - Cash-out - Other Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303289267 23850289   Compliance Compliance Federal Compliance TRID 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 $1,375.00 exceeds tolerance of $850.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 11/22/2021 1 A CA Second Home Refinance - Cash-out - Other Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303289268 23853939   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 11/24/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303289279 24098636   Compliance Compliance Federal Compliance TRID 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 $725.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/15/2021 1 A CA Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303289282 23922075   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $222.00 exceeds tolerance of $175.00 plus 10% or $192.50.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/02/2021 1 A CO Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303289282 23922076   Compliance Compliance Federal Compliance TRID 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.         xxxx
 12/02/2021 1 A CO Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303289282 23922077   Compliance Compliance Federal Compliance TRID 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 $145.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/02/2021 1 A CO Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303290674 24173223   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/21/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303290674 24173912   Compliance Compliance Federal Compliance TRID 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 $2,100.00 exceeds tolerance of $1,500.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/17/2021 1 A CA Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303290675 23962715   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303290675 24006543   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/08/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303291461 23850281   Compliance Compliance Federal Compliance TRID 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 $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303291462 23877737   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date Truth in Lending Act:  Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303291471 24320219   Compliance Compliance Federal Compliance TRID Defect 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 $168.00 plus 10% or $184.80.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/01/2021 2 B NV Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303291471 24320220   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/23/2021 1 A NV Primary Purchase   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303291487 24320139   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Missing Document: Note - Subordinate Lien not provided           xxxx
 11/24/2021 1 A GA Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303291487 24320142   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/19/2021 1 A GA Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303291491 24181799   Credit Credit Credit Documentation Guideline Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification. -           2 B CA Primary Refinance - Cash-out - Other   B B B B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303293388 24318939   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing:   xxxx       xxxx
 11/12/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303293388 24318940   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 10/15/2021 1 A FL Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303293389 24318520   Credit Guideline Guideline Issue Guideline Aged document: Asset Account date is more than 90 days prior to Closing. - xxxx       xxxx
 10/18/2021 1 A TX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303293389 24318521   Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 calendar days of the Note. - xxxx       xxxx
 11/02/2021 1 A TX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303293389 24318522   Compliance Compliance Federal Compliance TRID Defect 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 19,182.80 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/05/2021 2 B TX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303293389 24318523   Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing Test TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation xxxx       xxxx
 11/01/2021 1 A TX Primary Purchase TRID timing exception, no remediation available. C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303293389 24318524   Compliance Compliance Federal Compliance TRID 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 $1,450.00 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/11/2021 1 A TX Primary Purchase Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303293389 24318525   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $25.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/11/2021 1 A TX Primary Purchase Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303293389 24318526   Compliance Compliance Federal Compliance TRID 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 $843.05 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 10/11/2021 1 A TX Primary Purchase Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303294014 23907598   Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003   xxxx       xxxx
 12/16/2021 1 A CA Primary Purchase   B A A A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303294016 23854493   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303294016 23856656   Compliance Compliance Federal Compliance TRID 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 $715.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303294030 23898089   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-4,918.88  is less than amount of binding Lender Credit previously disclosed in the amount of $-5,733.00. xxxx       xxxx
 11/30/2021 1 A SC Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C A D B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303294030 23898090   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $46.00 exceeds tolerance of $31.00 plus 10% or $34.10.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/30/2021 1 A SC Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C A D B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303294030 23898091   Compliance Compliance Federal Compliance TRID Defect 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 $80.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/30/2021 1 A SC Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C A D B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303294030 23898092   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $186.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/30/2021 1 A SC Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C A D B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303294030 23898104   Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Appraisal is required to be in name of Lender - xxxx         2 B SC Primary Refinance - Rate/Term   D B A A C A D B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303294030 23898109   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/02/2021 1 A SC Primary Refinance - Rate/Term   D B A A C A D B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303294040 23852318   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/24/2021 1 A WA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303294063 23962651   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/08/2021 1 A GA Second Home Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303294063 23963110   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 12/08/2021 1 A GA Second Home Refinance - Rate/Term   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303294065 24006072   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/08/2021 1 A TX Second Home Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303294066 24070818   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303294067 23935327   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/06/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303295670 24046870   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/10/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303295670 24048151   Compliance Compliance Federal Compliance TRID 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 $432.00 exceeds tolerance of $405.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303295670 24048152   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303296475 23773507   Compliance Compliance Federal Compliance TRID Defect 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 22,146.12 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/08/2021 1 A CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303296475 23773511   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $165.00 exceeds tolerance of $116.00 plus 10% or $127.60.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/08/2021 1 A CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303300841 24318873   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided           xxxx
 11/15/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303300841 24318874   Credit Credit Credit Documentation Credit Missing Document: Compliance Report (Mavent, ComplianceEase, etc.) not provided           xxxx
 11/09/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303300928 24055767   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CA Second Home Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303300928 24055905   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/15/2021 1 A CA Second Home Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303300933 24031326   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 12/13/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303300933 24031341   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 12/09/2021 1 A WA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303300946 23934987   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/16/2021 1 A UT Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303300946 23934988   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 12/16/2021 1 A UT Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303300946 23935709   Compliance Compliance Federal Compliance TRID Defect TRID Interim Closing Disclosure Timing Test TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and was not received by borrower at least three (3) business days prior to consummation xxxx       xxxx
 12/07/2021 1 A UT Primary Refinance - Cash-out - Other TRID timing exception, no remediation available. C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303302554 24071930   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/16/2021 1 A AL Second Home Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303302554 24072428   Compliance Compliance Federal Compliance TRID Defect 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 7,564.92 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/16/2021 1 A AL Second Home Purchase Letter of Explanation & Corrected Closing Disclosure D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303302554 24072432   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $775.00 exceeds tolerance of $650.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/15/2021 1 A AL Second Home Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303302554 24097816   Compliance Compliance Federal Compliance TRID 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 $650.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/15/2021 1 A AL Second Home Purchase Final CD evidences Cure D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303302556 23899949   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   xxxx       xxxx
 12/07/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303302556 23900073   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/07/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303302958 24070847   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303302958 24071043   Compliance Compliance Federal Compliance TRID 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 $40.50 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/13/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303304701 24320185   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 11/29/2021 1 A NV Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303304701 24320187   Credit Credit Credit Documentation Credit No evidence of fraud report in file - xxxx       xxxx
 11/29/2021 1 A NV Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303304701 24320188   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 11/29/2021 1 A NV Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303304705 24318907   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303304705 24318908   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided           xxxx
 11/12/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303304705 24318909   Compliance Compliance Federal Compliance RESPA RESPA -  Initial Escrow Account statement Inaccurate RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.         xxxx
 11/12/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303304705 24318910   Compliance Compliance Federal Compliance TRID Defect 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 $4,792.20 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/11/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303304705 24318911   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.         xxxx
 11/12/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303304705 24318912   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/12/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303304705 24318913   Credit Missing Document General Missing Document Missing Document: Desk Review not provided   xxxx       xxxx
 11/11/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303304936 24095843   Compliance Compliance Federal Compliance TRID 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 $41.00 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/15/2021 1 A FL Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303304936 24095844   Compliance Compliance Federal Compliance TRID 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 $46.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/15/2021 1 A FL Second Home Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303304942 23850088   Compliance Compliance Federal Compliance TRID 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 $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303304942 23850089   Compliance Compliance Federal Compliance TRID 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 $65.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303304960 23832798   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303305006 24319945   Compliance Compliance Federal Compliance TRID Defect 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 9,912.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 11/03/2021 1 A CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303305006 24319946   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-332.96  is less than amount of binding Lender Credit previously disclosed in the amount of $-7,493.00. xxxx       xxxx
 11/03/2021 1 A CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303305006 24319948   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   xxxx       xxxx
 11/05/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303305006 24319949   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/02/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303305006 24319950   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/05/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303305015 24057398   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/14/2021 1 A AZ Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303306884 23833053   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ xxxx       xxxx
 11/22/2021 1 A AZ Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303306884 23833261   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $30.00 exceeds tolerance of $0.00 plus 10% or $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/19/2021 1 A AZ Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303306894 23890291   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/01/2021 1 A FL Primary Refinance - Rate/Term Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303306894 23890292   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - S-Corp General QM: Unable to verify S-Corp income using reasonably reliable third-party records. xxxx       xxxx
 12/01/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303306894 23891361   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/14/2021 1 A FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303306894 23915367   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. xxxx         2 B FL Primary Refinance - Rate/Term   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303306912 24319979   Credit Credit Credit Documentation Credit No evidence of fraud report in file - xxxx       xxxx
 10/15/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303306912 24319980   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 10/15/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303306912 24319981   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Total cash-out discrepancy.   xxxx       xxxx
 11/05/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303306916 24320138   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/18/2021 1 A CA Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303307433 24070245   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation.  Fee Amount of $13,548.00 exceeds tolerance of $9,548.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/13/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303307438 24071278   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/21/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303307440 23833605   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 11/22/2021 1 A AZ Primary Refinance - Cash-out - Home Improvement   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303307443 24318934   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided           xxxx
 11/16/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303307443 24318935   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided           xxxx
 11/16/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303307443 24318936   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/11/2021 1 A FL Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303307443 24318937   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 11/16/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303307444 24318861   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 11/16/2021 1 A NC Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303307444 24318862   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $74.00 exceeds tolerance of $64.00 plus 10% or $70.40.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/17/2021 2 B NC Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303307444 24318863   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $845.00 exceeds tolerance of $795.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/16/2021 2 B NC Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303307444 24318864   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   xxxx       xxxx
 11/17/2021 1 A NC Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303307444 24318865   Compliance Compliance Federal Compliance Missing Non-Required Data (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. xxxx       xxxx
 11/17/2021 1 A NC Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303307444 24318866   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   xxxx       xxxx
 11/17/2021 1 A NC Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303307658 23922334   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/06/2021 1 A FL Primary Refinance - Cash-out - Home Improvement   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303307658 23922838   Compliance Compliance Federal Compliance TRID 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 $94.10 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/02/2021 1 A FL Primary Refinance - Cash-out - Home Improvement Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303309021 24320182   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/24/2021 1 A DC Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309230 24095662   Compliance Compliance Federal Compliance TRID 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 $275.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/15/2021 1 A AZ Primary Refinance - Cash-out - Other Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303309230 24099769   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/16/2021 2 B AZ Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303309230 24099770   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Partnership General QM: Unable to verify Partnership income using reasonably reliable third-party records. xxxx       xxxx
 12/16/2021 1 A AZ Primary Refinance - Cash-out - Other   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309234 24084461   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/16/2021 1 A CO Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309234 24085617   Compliance Compliance Federal Compliance TRID 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 $44.75 exceeds tolerance of $42.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/14/2021 1 A CO Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303309245 23887302   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $120.00 exceeds tolerance of $80.00 plus 10% or $88.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/29/2021 1 A UT Primary Refinance - Cash-out - Home Improvement Final CD evidences Cure B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303309245 23894167   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B UT Primary Refinance - Cash-out - Home Improvement   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309245 23894168   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B UT Primary Refinance - Cash-out - Home Improvement   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309246 23862004   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ xxxx       xxxx
 11/29/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309246 23862836   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309246 23862837   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309246 23863010   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.         xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309246 23863011   Compliance Compliance Federal Compliance TRID Defect 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 $10,687.80 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303309246 23863021   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303309363 24068774   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/16/2021 1 A CA Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309363 24068775   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           xxxx
 12/16/2021 1 A CA Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309363 24068778   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 12/16/2021 1 A CA Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309363 24068779   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 12/16/2021 1 A CA Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309366 24035425   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/12/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309370 24095065   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/17/2021 1 A CA Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309370 24095194   Compliance Compliance Federal Compliance TRID 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 $1,900.00 exceeds tolerance of $1,400.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/15/2021 1 A CA Second Home Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303309371 24046766   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 12/16/2021 2 B CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303309371 24064162   Compliance Compliance Federal Compliance TRID 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 $2,924.04 exceeds tolerance of $695.35.  Sufficient or excess cure was provided to the borrower.         xxxx
 12/10/2021 1 A CA Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303309373 23922211   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 12/06/2021 1 A CO Primary Refinance - Cash-out - Other   D B C A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309373 23922246   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/06/2021 1 A CO Primary Refinance - Cash-out - Other   D B C A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309373 23922399   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/06/2021 1 A CO Primary Refinance - Cash-out - Other   D B C A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309373 23924051   Compliance Compliance State Compliance Misc. State Level Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) Colorado Consumer Credit Code: Borrower not provided First Lien Refinance Notice.           2 B CO Primary Refinance - Cash-out - Other   D B C A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309377 24080694   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/16/2021 1 A MA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303309377 24082800   Compliance Compliance Federal Compliance TRID 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 $350.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/14/2021 1 A MA Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303309377 24082801   Compliance Compliance Federal Compliance TRID 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 $124.00 exceeds tolerance of $93.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/14/2021 1 A MA Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303309377 24083200   Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. - xxxx       xxxx
 12/17/2021 1 A MA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303310333 24173721   Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on xx/xx/xxxx not received by borrower at least four (4) business days prior to closing. xxxx       xxxx
 12/20/2021 1 A AZ Primary Refinance - Cash-out - Other No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303310336 23899959   Credit System General System Borrower 1003 current address does not match Note address. - xxxx       xxxx
 12/02/2021 1 A GA Primary Refinance - Cash-out - Other   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303310336 23901057   Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. xxxx         2 B GA Primary Refinance - Cash-out - Other   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303310336 23901337   Credit Credit Miscellaneous Guideline Credit Exception:   xxxx       xxxx
 12/02/2021 1 A GA Primary Refinance - Cash-out - Other   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303310336 23901632   Credit Insurance Insurance Analysis Insurance Insurance address does not match Note address.   xxxx       xxxx
 12/02/2021 1 A GA Primary Refinance - Cash-out - Other   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303310336 23901644   Credit System General System Flood Certificate Subject Address does not match Note address.   xxxx       xxxx
 12/02/2021 1 A GA Primary Refinance - Cash-out - Other   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303310338 23900980   Compliance Compliance Federal Compliance TRID Defect 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 24,168.00 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/14/2021 2 B CA Primary Refinance - Rate/Term Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303311008 24034784   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/10/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303311008 24043165   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303311008 24076462   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303311011 24094798   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/17/2021 1 A AZ Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303311049 24173397   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/21/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303312809 24107223   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/20/2021 1 A MI Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303313097 24175018   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/20/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303313097 24175139   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 12/17/2021 1 A CA Primary Refinance - Cash-out - Other No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303313097 24175140   Compliance Compliance Federal Compliance TRID 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 $835.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/17/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303313097 24175142   Compliance Compliance Federal Compliance TRID 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 $143.05 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/17/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303313715 24095657   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/17/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303313715 24095812   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 12/17/2021 1 A CA Primary Refinance - Cash-out - Other No Defined Cure D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303313717 24056706   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         xxxx
 12/16/2021 1 A FL Second Home Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303313725 23946555   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303313725 23953895   Credit Credit Credit Documentation Guideline Aged document: Credit Report  is more than 90 days prior to the note date. - xxxx       xxxx
 12/07/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303314604 24057321   Compliance Compliance Federal Compliance TRID 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 $1,135.00 exceeds tolerance of $995.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/10/2021 1 A MD Primary Purchase Final CD evidences Cure C B A A A A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303314604 24057322   Compliance Compliance Federal Compliance TRID 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 $173.41 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/10/2021 1 A MD Primary Purchase Final CD evidences Cure C B A A A A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303314604 24061881   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation does not support the value used to qualify.; Sec ID: 7   xxxx       xxxx
 12/15/2021 1 A MD Primary Purchase   C B A A A A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303314604 24102747   Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is to be securitized.  Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value.; Sec ID: 22 Note Date:  ___; Lien Position: ___           2 B MD Primary Purchase   C B A A A A C B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303317294 23897696   Compliance Compliance Federal Compliance TRID 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 $705.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/30/2021 1 A CA Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303317294 23897714   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/01/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303324170 24096104   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/17/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303324170 24097158   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 12/16/2021 1 A CA Primary Refinance - Cash-out - Other No Defined Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303324170 24099276   Compliance Compliance Federal Compliance TRID Defect 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 $14,383.20 exceeds tolerance of $13,503.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/20/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303324170 24100076   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/17/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303324603 24320236   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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.         xxxx
 09/30/2021 1 A CO Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A A A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303324603 24320237   Compliance Compliance Federal Compliance TRID Defect 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 $1,025.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 09/21/2021 1 A CO Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
303324603 24320238   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy.   xxxx       xxxx
 11/17/2021 1 A CO Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303324603 24320239   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy.   xxxx       xxxx
 11/17/2021 1 A CO Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303324603 24320240   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/17/2021 1 A CO Primary Refinance - Cash-out - Other   C A A A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
303325833 24320246   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/24/2021 1 A CA Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303325894 23898930   Compliance Compliance Federal Compliance TRID 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 $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/30/2021 1 A MN Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303325894 23900230   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Missing Document: Note - Subordinate Lien not provided   xxxx       xxxx
 12/03/2021 1 A MN Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303327198 24208042   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 12/20/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303327432 24320281   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   xxxx       xxxx
 12/02/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303327763 24318886   Compliance Compliance Federal Compliance TRID 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 $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 11/08/2021 1 A FL Second Home Purchase Final CD evidences Cure C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303327763 24318887   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 11/11/2021 2 B FL Second Home Purchase   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303327763 24318889   Credit Credit Credit Documentation Guideline The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.   xxxx       xxxx
 11/12/2021 1 A FL Second Home Purchase   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303330863 24060651   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/13/2021 1 A CA Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303330863 24062372   Compliance Compliance Federal Compliance TRID 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 $66.00 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/10/2021 1 A CA Second Home Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303330885 24044690   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CO Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303330885 24044995   Compliance Compliance Federal Compliance TRID 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 $116.67 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A CO Second Home Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303330894 24047155   Compliance Compliance Federal Compliance TRID 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 $95.65 exceeds tolerance of $85.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303330924 24051589   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A MI Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303330924 24051663   Compliance Compliance Federal Compliance TRID Defect 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 12,798.96 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/16/2021 1 A MI Primary Purchase Letter of Explanation & Corrected Closing Disclosure D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303330924 24051666   Compliance Compliance Federal Compliance TRID Defect 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 $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/13/2021 1 A MI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303330924 24052248   Compliance Compliance Federal Compliance TRID Defect 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 $6,400.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/13/2021 1 A MI Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303330924 24074164   Compliance Compliance Federal Compliance TRID 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.         xxxx
 12/13/2021 1 A MI Primary Purchase Final CD evidences Cure D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303330969 24046177   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A FL Primary Refinance - Cash-out - Other   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303330969 24048481   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 12/13/2021 1 A FL Primary Refinance - Cash-out - Other No Defined Cure D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331004 24045304   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331004 24045329   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 12/13/2021 1 A CA Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331019 24048060   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         xxxx
 12/13/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331039 24049581   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/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 xx/xx/xxxx). xxxx       xxxx
 12/17/2021 1 A CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331039 24173089   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $295.00 exceeds tolerance of $183.00 plus 10% or $201.30.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/17/2021 1 A CA Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331042 24046329   Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           xxxx
 12/10/2021 1 A OR Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331042 24046367   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A OR Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331042 24046893   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/10/2021 1 A OR Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331042 24046912   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/10/2021 1 A OR Primary Refinance - Cash-out - Other   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331042 24050716   Compliance Compliance Federal Compliance TRID 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 $1,065.00 exceeds tolerance of $965.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A OR Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331042 24050717   Compliance Compliance Federal Compliance TRID 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 $36.60 exceeds tolerance of $36.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A OR Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331048 24094104   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 12/20/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331048 24099752   Compliance Compliance Federal Compliance TRID 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 $68.00 exceeds tolerance of $46.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Home Improvement Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331056 24044842   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 12/16/2021 1 A UT Primary Refinance - Cash-out - Other   C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331056 24044893   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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. xxxx       xxxx
 12/16/2021 1 A UT Primary Refinance - Cash-out - Other TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331073 24050982   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           xxxx
 12/13/2021 1 A CA Primary Refinance - Cash-out - Home Improvement   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331097 24054860   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/15/2021 1 A UT Primary Refinance - Cash-out - Home Improvement   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331097 24054863   Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   xxxx       xxxx
 12/15/2021 1 A UT Primary Refinance - Cash-out - Home Improvement   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331097 24091314   Compliance Compliance Federal Compliance TRID 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 $53.50 exceeds tolerance of $35.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/14/2021 1 A UT Primary Refinance - Cash-out - Home Improvement Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331135 24050763   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331135 24050769   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331135 24050789   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331135 24052739   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/14/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331136 24049985   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CO Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331136 24053649   Compliance Compliance Federal Compliance TRID 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 $59.00 exceeds tolerance of $40.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/09/2021 1 A CO Primary Refinance - Cash-out - Other Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331154 24049390   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/14/2021 1 A NH Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331166 24054009   Compliance Compliance Federal Compliance TRID 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 $500.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/09/2021 1 A FL Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331169 24057054   Compliance Compliance Federal Compliance TRID 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 $42.00 exceeds tolerance of $32.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/10/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331171 24047592   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/10/2021 1 A AZ Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331196 24045778   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A MI Primary Refinance - Cash-out - Other   D B A A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331196 24048808   Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx,  Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx.           2 B MI Primary Refinance - Cash-out - Other   D B A A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331209 24045141   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/10/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331215 24052802   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CO Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331238 24049856   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A WA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331242 24046904   Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           xxxx
 12/09/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331246 24047907   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/10/2021 1 A DC Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331248 24056701   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ xxxx       xxxx
 12/17/2021 1 A CO Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331260 24045612   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/13/2021 1 A NY Primary Refinance - Cash-out - Other   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331260 24046649   Compliance Compliance Federal Compliance TRID Defect 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 $7,692.88 exceeds tolerance of $7,408.38.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/13/2021 1 A NY Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331261 24049867   Compliance Compliance Federal Compliance TRID 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 $100.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A OR Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331261 24049938   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/14/2021 1 A OR Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303331265 24049456   Compliance Compliance Federal Compliance TRID 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 $895.00 exceeds tolerance of $705.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303331265 24049457   Compliance Compliance Federal Compliance TRID 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 $73.50 exceeds tolerance of $42.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303338282 24320267   Compliance Compliance Federal Compliance TRID Defect 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 17,216.28 on Final Closing Disclosure provided on xx/xx/xxxx not accurate.         xxxx
 09/07/2021 2 B CA Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303338282 24320268   Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xx/xx/xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. xxxx       xxxx
 09/07/2021 2 B CA Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303338282 24320270   Compliance Compliance Federal Compliance TRID 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 $2,186.25 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. xxxx       xxxx
 09/07/2021 1 A CA Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303338282 24320271   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   xxxx       xxxx
 11/19/2021 1 A CA Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303338282 24320272   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/19/2021 1 A CA Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303340568 24320286   Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date:  ___ xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303340568 24320288   Compliance Compliance Federal Compliance TRID Defect 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 $12,163.20 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/24/2021 1 A CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303340568 24320290   Compliance Compliance Federal Compliance TRID Defect 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 xx/xx/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. xxxx       xxxx
 11/24/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303340568 24320292   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303340568 24320293   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/22/2021 1 A CA Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303340578 24318851   Credit Missing Document General Missing Document Missing Document: Desk Review not provided           xxxx
 11/12/2021 1 A FL Primary Refinance - Cash-out - Other   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303340578 24318853   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,500.00 exceeds tolerance of $650.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/10/2021 1 A FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303340578 24318854   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Required Survey Fee.  Fee Amount of $585.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/16/2021 2 B FL Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303341932 24070998   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/16/2021 1 A CA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303341935 24056179   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/14/2021 1 A WA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303342101 24320274   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/12/2021 1 A FL Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303342101 24320275   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   xxxx       xxxx
 11/22/2021 1 A FL Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303342101 24320276   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/22/2021 1 A FL Primary Refinance - Cash-out - Other   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303342200 24320294   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   xxxx       xxxx
 11/17/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303342200 24320297   Compliance Compliance Federal Compliance TRID Defect 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 $6,554.11 exceeds tolerance of $488.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 11/16/2021 1 A CA Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303342200 24320298   Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303342200 24320299   Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - xxxx       xxxx
 11/17/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303342200 24320300   Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   xxxx       xxxx
 11/22/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303342200 24320301   Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   xxxx       xxxx
 11/23/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303355069 24100166   Compliance Compliance Federal Compliance TRID 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 $41.00 exceeds tolerance of $31.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303355069 24105476   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/17/2021 1 A CA Primary Refinance - Cash-out - Other   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303355446 24104777   Credit Missing Document General Missing Document Missing Document: HUD/CD (Asset) not provided   xxxx       xxxx
 12/16/2021 1 A CO Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303355530 24178917   Compliance Compliance Federal Compliance TRID 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 $50.00 exceeds tolerance of $32.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/17/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303361922 24203944   Compliance Compliance Federal Compliance TRID 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 $910.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/20/2021 1 A UT Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303361949 24173462   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/20/2021 1 A CA Second Home Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303362990 24054431   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303362994 24056477   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/16/2021 1 A LA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303362994 24060493   Compliance Compliance Federal Compliance TRID 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.         xxxx
 12/10/2021 1 A LA Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303362994 24060495   Compliance Compliance Federal Compliance TRID 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 $79.80 exceeds tolerance of $70.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/10/2021 1 A LA Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363005 24067383   Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Appraisal is required to be in name of Lender - xxxx         2 B CA Primary Purchase   B B A A A A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363005 24067500   Compliance Compliance Federal Compliance TRID 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 $220.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/10/2021 1 A CA Primary Purchase Final CD evidences Cure B B A A A A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363013 24049636   Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003             2 B TX Primary Purchase   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363014 24045100   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CA Primary Refinance - Rate/Term   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363017 24045283   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $438.00 exceeds tolerance of $345.00 plus 10% or $379.50.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363017 24045284   Compliance Compliance Federal Compliance TRID 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 $595.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363017 24045285   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $14.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363017 24045286   Compliance Compliance Federal Compliance TRID 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 $90.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363017 24045287   Compliance Compliance Federal Compliance TRID 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 $25.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363017 24045288   Compliance Compliance Federal Compliance TRID 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 $595.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363017 24045289   Compliance Compliance Federal Compliance TRID 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.         xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363017 24045290   Compliance Compliance Federal Compliance TRID 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 $720.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/09/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363022 24049318   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Copy Or Fax Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A FL Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363022 24049320   Compliance Compliance Federal Compliance TRID 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 $100.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A FL Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363034 24045585   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363036 24048340   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/16/2021 1 A TX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363041 24057012   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/15/2021 1 A MN Primary Refinance - Cash-out - Home Improvement   D B A A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363041 24057720   Compliance Compliance State Compliance Misc. State Level Minnesota Residential Mortgage Originator and Servicer Licensing Act (Ability to Repay not Verified) Minnesota Residential Mortgage Originator and Servicer Licensing Act Borrower’s ability to repay not verified with reliable documentation.           2 B MN Primary Refinance - Cash-out - Home Improvement   D B A A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363041 24057721   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,596.00 exceeds tolerance of $696.00 plus 10% or $765.60.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/10/2021 1 A MN Primary Refinance - Cash-out - Home Improvement Final CD evidences Cure D B A A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363046 24044359   Compliance Compliance Federal Compliance TRID 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 $70.00 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/09/2021 1 A AZ Second Home Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363053 24059533   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CA Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363053 24066971   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/13/2021 1 A CA Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363053 24066975   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/13/2021 1 A CA Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363053 24066976   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/13/2021 1 A CA Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363053 24066978   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/13/2021 1 A CA Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363053 24066980   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/13/2021 1 A CA Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363053 24066982   Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - xxxx       xxxx
 12/13/2021 1 A CA Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363065 24044688   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363069 24045711   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 12/15/2021 1 A NC Primary Purchase No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363069 24045713   Compliance Compliance Federal Compliance TRID 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 $736.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A NC Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363069 24045714   Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $400.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A NC Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363069 24045715   Compliance Compliance Federal Compliance TRID 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 $63.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A NC Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363076 24057474   Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. -         xxxx
 12/15/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363076 24057482   Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.           xxxx
 12/13/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363076 24057485   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.           xxxx
 12/13/2021 1 A CA Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363078 24049313   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CO Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363079 24048230   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 12/10/2021 1 A CA Primary Refinance - Cash-out - Other No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363090 24061916   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A WA Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363092 24051460   Compliance Compliance Federal Compliance TRID Defect 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 $3,230.21 exceeds tolerance of $1,575.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/16/2021 1 A FL Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363097 24050633   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/15/2021 1 A CA Second Home Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363097 24052398   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/15/2021 1 A CA Second Home Purchase Lender to provide updated ATR/QM status D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363097 24081474   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Wages General QM:  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE. xxxx       xxxx
 12/15/2021 1 A CA Second Home Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363099 24052735   Compliance Compliance Federal Compliance TRID 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 $1,085.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363106 24049330   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CA Primary Refinance - Rate/Term   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363106 24050028   Compliance Compliance Federal Compliance TRID Defect 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. xxxx       xxxx
 12/10/2021 1 A CA Primary Refinance - Rate/Term No Defined Cure D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363106 24050029   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,992.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-1,994.00. xxxx       xxxx
 12/10/2021 1 A CA Primary Refinance - Rate/Term Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363107 24048711   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CO Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363114 24046737   Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $180.00 exceeds tolerance of $149.00 plus 10% or $163.90.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/13/2021 1 A CA Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363114 24087651   Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $180.00 exceeds tolerance of $149.00 plus 10% or $163.90.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/14/2021 1 A CA Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363119 24064030   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 12/14/2021 1 A FL Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363119 24064146   Compliance Compliance Federal Compliance TRID Defect 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 9,013.92 on Final Closing Disclosure provided on xx/xx/xxxx not accurate. xxxx       xxxx
 12/14/2021 1 A FL Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363119 24064148   Compliance Compliance Federal Compliance TRID 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 $88.78 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/10/2021 1 A FL Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363127 24052358   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/10/2021 1 A CA Primary Refinance - Rate/Term   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363129 24055722   Compliance Compliance Federal Compliance TRID 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. xxxx       xxxx
 12/10/2021 1 A FL Primary Refinance - Rate/Term Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363129 24055723   Compliance Compliance Federal Compliance TRID 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 $7,050.00 exceeds tolerance of $6,875.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/10/2021 1 A FL Primary Refinance - Rate/Term Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363129 24055863   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/14/2021 1 A FL Primary Refinance - Rate/Term   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363144 24045958   Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003             2 B MI Primary Purchase   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363146 24045506   Compliance Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Lender's Initial 1003           xxxx
 12/10/2021 1 A NY Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363146 24045781   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,005.00 exceeds tolerance of $785.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/13/2021 1 A NY Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363146 24045783   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $28,875.00 exceeds tolerance of $28,845.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/13/2021 1 A NY Primary Refinance - Cash-out - Other Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363146 24045802   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/13/2021 1 A NY Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363146 24046204   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/10/2021 1 A NY Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363146 24046263   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.         xxxx
 12/10/2021 1 A NY Primary Refinance - Cash-out - Other   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363146 24046266   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. xxxx       xxxx
 12/10/2021 1 A NY Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363146 24069011   Compliance Compliance Federal Compliance TRID 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 $785.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/13/2021 1 A NY Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363146 24069012   Compliance Compliance Federal Compliance TRID 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 $28,875.00 exceeds tolerance of $28,845.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/13/2021 1 A NY Primary Refinance - Cash-out - Other Final CD evidences Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363152 24044776   Compliance Compliance Federal Compliance TRID 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 $1,325.00 exceeds tolerance of $1,010.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/09/2021 1 A ID Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363161 24045987   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           xxxx
 12/14/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363161 24046764   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 12/13/2021 1 A CA Primary Refinance - Rate/Term   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363168 24048330   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A KS Primary Purchase   D A D A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363168 24048804   Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided           xxxx
 12/14/2021 1 A KS Primary Purchase   D A D A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363168 24049392   Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-8,497.60  is less than amount of binding Lender Credit previously disclosed in the amount of $-9,265.00. xxxx       xxxx
 12/14/2021 1 A KS Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A D A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363168 24049449   Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,035.00 exceeds tolerance of $750.00.  Insufficient or no cure was provided to the borrower. xxxx       xxxx
 12/13/2021 1 A KS Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A D A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363179 24045121   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A CO Primary Refinance - Rate/Term   D B A A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363179 24045156   Compliance Compliance Federal Compliance TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form 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.           2 B CO Primary Refinance - Rate/Term TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form D B A A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363193 24051498   Compliance Compliance Federal Compliance TRID 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 $97.66 exceeds tolerance of $75.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/09/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363193 24051499   Compliance Compliance Federal Compliance TRID 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 $49.95 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/09/2021 1 A CA Primary Refinance - Rate/Term Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363194 24048706   Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   xxxx       xxxx
 12/10/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363194 24050178   Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - xxxx       xxxx
 12/10/2021 1 A FL Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363201 24055316   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/13/2021 1 A NY Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303363201 24066928   Compliance Compliance Federal Compliance TRID 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.         xxxx
 12/10/2021 1 A NY Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303363798 24093305   Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided   xxxx       xxxx
 12/15/2021 1 A NY Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303364066 24095750   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/17/2021 1 A CA Second Home Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303364066 24096451   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/17/2021 1 A CA Second Home Purchase Lender to provide updated ATR/QM status D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303364066 24096452   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. xxxx       xxxx
 12/16/2021 1 A CA Second Home Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303364066 24164687   Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   xxxx       xxxx
 12/17/2021 1 A CA Second Home Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303364066 24164719   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. xxxx       xxxx
 12/17/2021 1 A CA Second Home Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303374353 24200268   Compliance Compliance Federal Compliance TRID 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 $1,075.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. xxxx       xxxx
 12/20/2021 1 A CA Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303377198 24096816   Compliance Compliance Federal Compliance TRID 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 $31.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303377205 24073776   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           xxxx
 12/15/2021 1 A AZ Primary Refinance - Cash-out - Other   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303377231 24071507   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   xxxx       xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303377231 24073215   Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. xxxx       xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
303377231 24073226   Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. xxxx       xxxx
 12/15/2021 1 A CA Primary Refinance - Cash-out - Other Lender to provide updated ATR/QM status D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
303377233 24176125   Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ xxxx       xxxx
 12/20/2021 1 A FL Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No