2017-RN4 ID

Lien

ARMorFix

Purpose at Origination

Occupancy at Origination

State

Zip

OrigBal

pppflag

pppterm

Compliance Event

Compliance Exceptions

Eligible For Predatory Testing - Unable to Test

Compliance Comp Factors

Category

Fitch Compliance Grade

DBRS Compliance Grade

OF4C100933

First

FIXED

Cashout Refi

Owner Occ

IA

NO

*Not Applicable

2

[2]   State - Missing Loan Brokerage Agreement [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C105539

First

ARM

Cashout Refi

Owner Occ

WI

YES

36

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Commitment Letter [2]   State - Missing Consumer Disclosure Statement [2]   State - Missing Application Disclosure [2]   State - Missing Adjustable Rate Loan Without Prepayment Penalty [2]   State - Missing Acknowledgment of Receipt of Disclosure Regarding ARM Loan Without Prepayment [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Tax Escrow Notice / Election of Property Tax Payment Method

B

B

OF4C105574

First

FIXED

Rate/Term Refi

Owner Occ

MS

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [3]   State Late Charge Not Standard [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Right to Choose Insurance Provider

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101005

First

FIXED

Cashout Refi

Owner Occ

TX

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing Mortgage Banker Disclosure [2]   State - Missing Loan Agreement Rider [2]   State - Missing Collateral Protection Insurance Notice [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement

B

B

OF4C100890

First

FIXED

Cashout Refi

Owner Occ

MS

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C101114

First

ARM

Purchase

Owner Occ

VA

YES

36

2

[2]   Affiliated Business Doc Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101116

First

FIXED

Cashout Refi

Owner Occ

WI

YES

36

2

[2]   Initial TIL Missing [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Commitment Letter [2]   State - Missing Consumer Disclosure Statement [2]   State - Missing Notice of Choice of Agent or Insurer [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C105575

First

FIXED

Cashout Refi

Owner Occ

VA

YES

36

3

[3]   ROR Violation Funding date is prior to or equals the ROR End Date [2]   Affiliated Business Doc Incomplete [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial TIL Incomplete [2]   GFE Incomplete

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101018

First

FIXED

Cashout Refi

Owner Occ

MO

YES

36

2

[2]   Initial TIL Missing [2]   State - Missing Lock-In Agreement [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C100905

First

ARM

Cashout Refi

Owner Occ

MD

YES

36

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing  Residential Property Disclosure / Homeowner's Certification of Principal Residence [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Net Tangible Benefit Worksheet

B

B

OF4C105613

First

FIXED

Purchase

Owner Occ

CA

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$100 for Purchase [2]   State - Missing Hazard Insurance Disclosure [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100975

First

ARM

Cashout Refi

Owner Occ

VA

NO

*Not Applicable

2

[2]   State - Missing Commitment Letter [2]   State - Missing Lock In Disclosure [2]   State - Missing Virginia Insurance Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Choice of Settlement Agent Disclosure

B

B

OF4C101009

First

ARM

Cashout Refi

Owner Occ

MO

YES

24

2

[2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C105166

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

3

[3]   [GA] Home Loan Provision: Notice of Arbitration Provision found in file. GA Fair Lending Act as amended by Senate Bill 53 prohibits mandatory arbitration clause on GA home loans. [3]   Finance Charge underdisclosed >$35 for Refinance [2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing [2]   State - Missing Application Disclosure [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Right to Select Attorney Disclosure

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. // An action under GAFLA must be brought within five years after the date of the first scheduled payment by the borrower under the home loan.   Specifically for provision prohibiting mandatory arbitration, GAFLA provides that any mandatory arbitration is deemed unconscionable and void.

State - NC

C

C

OF4C105597

First

FIXED

Cashout Refi

Owner Occ

MD

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing MD Finance Agreement [2]   State - Missing Loan Commitment [2]   State - Missing Attorneys' Fees Disclosure [2]   State - Missing Guarantee Of Loan Program [2]   State - Missing Home Buyers Property Tax Payment Option [2]   Missing MD Net Tangible Benefit Worksheet [2]   State - Missing MD Mandatory Arbitration Disclosure [2]   State - Missing MD No Escrow Account Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Right to Choose Attorney or Title Insurance Company [2]   State - Missing Wet Settlement / Delivery of Net Proceeds Authorization [2]   State - Missing Licensee Information or Affidavit of Exemption [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Net Tangible Benefit Worksheet [2]   State - Missing Office of Finance, Treasury Division Finance Affidavit [2]   State - Missing Written Acknowledgement of Delivery of the Note [2]   State - Missing Credit Grantor Election [2]   State - Missing MD Notice of Housing Counseling and Services disclosure

B

B

OF4C101153

First

FIXED

Cashout Refi

Owner Occ

KY

YES

36

2

[2]   Initial TIL Missing [2]   State - Missing Notice of Choice of Agent or Insurer [2]   State - Missing Commitment Letter [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C100901

First

ARM

Cashout Refi

Owner Occ

CA

NO

*Not Applicable

2

[2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage

B

B

OF4C104582

First

ARM

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

2

[2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Initial TIL Missing [2]   State - Missing Attorney/Insurance Preference Dislcosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Notice to Cosigner

B

B

OF4C102214

First

FIXED

Cashout Refi

Owner Occ

NJ

NO

*Not Applicable

3

[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9

ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains.  Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101015

First

ARM

Cashout Refi

Owner Occ

IN

YES

24

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C100941

First

ARM

Cashout Refi

Owner Occ

VA

YES

24

2

[2]   State - Missing Virginia Insurance Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C102217

First

FIXED

Cashout Refi

Owner Occ

AK

NO

*Not Applicable

3

[3]   TIL Missing [3]   ROR Missing [3]   HUD-1 Missing [2]   Initial TIL Missing [2]   Initial GFE Missing

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR Indeterminable

D

D

OF4C101016

First

ARM

Cashout Refi

Owner Occ

MD

YES

24

2

[2]   Credit Score Disclosure Not Present [2]   State - Missing MD Finance Agreement [2]   State - Missing Attorneys' Fees Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Net Tangible Benefit Worksheet [2]   State - Missing Written Acknowledgement of Delivery of the Note [2]   State - Missing Credit Grantor Election

B

B

OF4C101081

First

FIXED

Cashout Refi

Owner Occ

CT

NO

*Not Applicable

2

[2]   Initial TIL Missing

B

B

OF4C101021

First

FIXED

Purchase

Owner Occ

DE

NO

*Not Applicable

3

[3]   HUD-1 Missing [3]   TIL Missing [2]   Initial GFE Missing [2]   Initial TIL Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Broker Agreement [2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze

NO

TNR Testing Not Required

C

C

OF4C100981

First

FIXED

Rate/Term Refi

Owner Occ

MI

YES

36

2

[2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Initial TIL Missing [2]   State - Missing Borrower's Bill of Rights [2]   State - Missing Consumer Caution and Counseling Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101082

First

ARM

Purchase

Owner Occ

CA

NO

*Not Applicable

3

[3]   HUD-1 Missing [3]   TIL Missing [2]   Initial GFE Missing [2]   Initial TIL Missing [2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account [2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Fair Lending Notice [2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate

NO

TNR Testing Not Required

C

C

OF4C105393

First

FIXED

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

2

[2]   Initial TIL Missing

B

B

OF4C101128

First

FIXED

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing [2]   State - Missing Broker Agreement [2]   State - Missing Commitment Letter [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Loan Brokerage Disclosure Statement [2]   Initial GFE Missing

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101139

First

ARM

Purchase

Owner Occ

MI

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$100 for Purchase [2]   Initial TIL Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Consumer Caution and Counseling Disclosure [2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider [2]   Initial GFE Missing

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101166

First

ARM

Rate/Term Refi

Owner Occ

MI

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing

B

B

OF4C100985

First

FIXED

Purchase

Owner Occ

MD

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C105618

First

ARM

Cashout Refi

Second Home

NC

NO

*Not Applicable

2

[2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure

B

B

OF4C100912

First

FIXED

Rate/Term Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   State - Missing Description of Underwriting Criteria and Required Documentation

B

B

OF4C101129

First

FIXED

Cashout Refi

Owner Occ

RI

NO

*Not Applicable

3

[3]   ROR Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Notice of Choice of Insurance Agent Disclosure [2]   State - Missing Title Insurance Disclsoure [2]   State - Missing Tangible Net Benefit Disclosure [2]   State - Missing Notice Regarding Nonrefundability of Loan Fees [2]   State - Missing Application Disclosure [2]   State - Missing Appraisal Notice [2]   Initial GFE Missing

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100984

First

FIXED

Rate/Term Refi

Owner Occ

NY

NO

*Not Applicable

3

[3]   ROR Missing [2]   Initial TIL Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Broker Compensation Disclosure [2]   State - Missing Interest Rate Disclsoure [2]   State - Missing Notice of Expiration of Loan Commitment [2]   State - Missing Prevailing Commitment Disclosure [2]   State - Pre-Application Disclosure Statement [2]   State - Missing Insurance Escrow Account Disclosure Statement [2]   State - Missing Tax Escrow Account Designation [2]   State - Missing Acknowledgment of Receipt of Disclosure Regarding ARM Loan Without Prepayment [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Lock-In Agreement [2]   State - Missing Affidavit of Compliance / Smoke Alarm [2]   State - Missing Appraisal and Consumer Report Notice [2]   State - Missing  Borrower's Choice of Attorney Disclosure [2]   State - Missing  Fair Credit Reporting Act Notice [2]   Initial GFE Missing

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100983

First

FIXED

Cashout Refi

Owner Occ

MD

NO

*Not Applicable

2

[2]   State - Missing Home Buyers Property Tax Payment Option [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Right to Choose Attorney or Title Insurance Company [2]   State - Missing Licensee Information or Affidavit of Exemption [2]   State - Missing Net Tangible Benefit Worksheet

B

B

OF4C101023

First

ARM

Purchase

Second Home

AZ

NO

*Not Applicable

2

[2]   Initial GFE Missing [2]   Affiliated Business Doc Missing

B

B

OF4C101169

First

ARM

Cashout Refi

Owner Occ

MI

NO

*Not Applicable

2

[2]   State - Missing Borrower's Bill of Rights [2]   State - Missing Consumer Caution and Counseling Disclosure

B

B

OF4C105544

First

ARM

Cashout Refi

Owner Occ

MI

NO

*Not Applicable

3

[3]   TIL Missing [2]   Initial GFE Missing [2]   State - Missing Borrower's Bill of Rights [2]   State - Missing Consumer Caution and Counseling Disclosure [2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider

NO

TNR Testing Not Required

C

C

OF4C101182

First

FIXED

Purchase

Owner Occ

NV

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C100909

First

ARM

Cashout Refi

Investment Property

MI

NO

*Not Applicable

3

[3]   TIL Incomplete [2]   State - Missing Dower / Homestead Waiver Rider to Mortgage [2]   State - Missing Borrower's Bill of Rights [2]   State - Missing Consumer Caution and Counseling Disclosure

NO

TNR Testing Not Required

C

C

OF4C105603

First

ARM

Rate/Term Refi

Owner Occ

MI

YES

36

1

A

A

OF4C101084

First

ARM

Cashout Refi

Second Home

MI

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Affiliated Business Doc Missing [2]   State - Missing Dower / Homestead Waiver Rider to Mortgage [2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100982

First

FIXED

Purchase

Owner Occ

MI

NO

*Not Applicable

3

[3]   HUD-1 Missing [3]   TIL Missing [2]   Initial GFE Missing [2]   Initial TIL Missing [2]   State - Missing Dower / Homestead Waiver Rider to Mortgage [2]   State - Missing Borrower's Bill of Rights [2]   State - Missing Consumer Caution and Counseling Disclosure [2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider [2]   State - Missing Rate Lock

NO

TNR Testing Not Required

C

C

OF4C100907

First

FIXED

Rate/Term Refi

Owner Occ

MI

NO

*Not Applicable

2

[2]   Initial GFE Missing

B

B

OF4C101164

First

ARM

Purchase

Owner Occ

MI

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$100 for Purchase [3]   APR Tolerance UnderDisclosed 0.25 [2]   Affiliated Business Doc Missing [2]   Initial GFE Missing

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101024

First

ARM

Rate/Term Refi

Owner Occ

FL

NO

*Not Applicable

2

[2]   Initial GFE Missing [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Notice of Material Change of Mortgage Loan Terms [2]   State - Missing Lock In Agreement

B

B

OF4C101044

First

FIXED

Purchase

Owner Occ

WI

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C100911

First

FIXED

Purchase

Owner Occ

TX

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing Mortgage Banker Disclosure [2]   State - Missing Collateral Protection Insurance Notice [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement

B

B

OF4C100963

First

FIXED

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101043

First

ARM

Cashout Refi

Owner Occ

MS

YES

24

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100986

First

FIXED

Purchase

Owner Occ

PA

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing Commitment Letter [2]   State - Missing Rate Lock [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure

B

B

OF4C100953

First

ARM

Purchase

Owner Occ

IN

YES

24

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C100996

First

ARM

Purchase

Owner Occ

UT

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing

B

B

OF4C102210

First

FIXED

Rate/Term Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   State - Missing Broker Agreement [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Loan Brokerage Disclosure Statement

B

B

OF4C105591

First

ARM

Cashout Refi

Owner Occ

MO

YES

36

2

[2]   Initial GFE Missing [2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Application Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101168

First

FIXED

Cashout Refi

Owner Occ

MI

NO

*Not Applicable

2

[2]   State - Missing Borrower's Bill of Rights [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101041

First

FIXED

Cashout Refi

Owner Occ

MN

NO

*Not Applicable

2

[2]   State - Missing Non Agency Disclosure [2]   State - Missing Right to Choose Insurance Provider

B

B

OF4C102220

First

ARM

Cashout Refi

Owner Occ

WY

NO

*Not Applicable

2

[2]   Initial GFE Missing [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C105549

First

ARM

Cashout Refi

Owner Occ

OH

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2]   State - Missing Closing Statement / Closing Disclosure

B

B

OF4C105559

First

FIXED

Rate/Term Refi

Owner Occ

TX

YES

36

2

[2]   Credit Score Disclosure Not Present [2]   State - Missing Mortgage Banker Disclosure [2]   State - Missing Residential Mortgage Loan Originator Disclosure [2]   State - Missing Loan Agreement Rider [2]   State - Missing Collateral Protection Insurance Notice [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement [2]   State - Missing Disclosure of Multiple Roles in a Consumer Real Estate Transaction [2]   State - Missing Disclosure Statement Required for Residential Construction Contract [2]   State - Missing Complaints and Inquiries Notice

B

B

OF4C105630

First

ARM

Rate/Term Refi

Owner Occ

GA

NO

*Not Applicable

3

[3]   Rescission Period under 3 days [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100954

First

FIXED

Cashout Refi

Owner Occ

HI

NO

*Not Applicable

3

[3]   ROR Violation Funding date is prior to or equals the ROR End Date [2]   Initial GFE Missing

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105590

First

ARM

Purchase

Owner Occ

IN

YES

24

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Broker Agreement [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C100913

First

FIXED

Rate/Term Refi

Owner Occ

OH

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100987

First

ARM

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

3

[3]   ROR Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101170

First

FIXED

Rate/Term Refi

Owner Occ

TX

YES

36

3

[3]   Rescission Period under 3 days [3]   Finance Charge underdisclosed >$35 for Refinance [2]   Affiliated Business Doc Missing [2]   State - Missing Mortgage Banker Disclosure [2]   State - Missing Loan Agreement Rider

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. // ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105570

First

FIXED

Cashout Refi

Owner Occ

CA

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101134

First

ARM

Cashout Refi

Owner Occ

CO

YES

24

3

[3]   ROR Missing [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Credit Score Disclosure Not Present [2]   State - Missing Credit Agreeement/Rate Lock [2]   State - Missing Refinance Dislcosure [2]   State - Missing required broker disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Notice to Cosigner [2]   State - Missing Right to Choose Insurance Provider [2]   State - Missing Tangible Net Benefit Disclosure

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105573

First

ARM

Cashout Refi

Owner Occ

MI

YES

36

3

[3]   ROR Missing [2]   State - Missing Borrower's Bill of Rights [2]   State - Missing Consumer Caution and Counseling Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101133

First

ARM

Cashout Refi

Owner Occ

NC

YES

30

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C105587

First

FIXED

Cashout Refi

Owner Occ

OK

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing

B

B

OF4C105631

First

FIXED

Cashout Refi

Owner Occ

NJ

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Attorney Disclosure [2]   State - Missing Initial Tax Authorization Notice [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C105619

First

FIXED

Purchase

Owner Occ

PA

NO

*Not Applicable

3

[3]   TIL Incomplete

NO

TNR Testing Not Required

C

C

OF4C100359

First

ARM

Purchase

Owner Occ

WI

NO

*Not Applicable

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Commitment Letter [2]   State - Missing Consumer Disclosure Statement [2]   State - Missing Application Disclosure [2]   State - Missing Notice of Choice of Agent or Insurer [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101047

First

ARM

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   Credit Score Disclosure Not Present [2]   State - Mising Illinois Mortgage Escrow Act Disclosure [2]   State - Missing Commitment Letter

B

B

OF4C101100

First

ARM

Cashout Refi

Owner Occ

WI

YES

24

2

[2]   State - Missing Notice of Choice of Agent or Insurer [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C104368

First

FIXED

Cashout Refi

Owner Occ

PA

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Commitment Letter [2]   State - Missing Rate Lock [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105563

First

FIXED

Purchase

Owner Occ

CA

NO

*Not Applicable

2

[2]   Initial GFE Missing [2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing [2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Fair Lending Notice [2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate [2]   State - Missing Interim Interest Disclosure

B

B

OF4C102246

First

ARM

Cashout Refi

Owner Occ

KS

YES

24

3

[3]   ROR Missing [2]   Initial TIL Missing [2]   State - Missing Broker Agreement [2]   State - Missing Application Disclosure [2]   State - Missing  Freedom to Choose Insurance Provider disclosure [2]   State - Missing Loan Broker Disclosure [2]   Initial GFE Missing

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100914

First

ARM

Purchase

Owner Occ

IL

NO

*Not Applicable

3

[3]   Cook County Threshold Loan [2]   State - Missing Borrower Information Document [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Commitment Letter [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

If a threshold loan violations certain provisions, it is considered a predatory loan.  Lenders that make predatory loans may not be awards contracts with the County of Cook. This loan does not violate any of the provisions therefore is considered a threshold loan.

State - Compliant

B

B

OF4C101032

First

FIXED

Purchase

Owner Occ

IL

NO

*Not Applicable

2

[2]   State - Mising Illinois Mortgage Escrow Act Disclosure [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Escrow Account Disclosure Agreement [2]   State - Missing Collateral Protection Act Disclosure

B

B

OF4C100959

First

ARM

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C101091

First

ARM

Purchase

Owner Occ

NJ

NO

*Not Applicable

1

A

A

OF4C101137

First

ARM

Cashout Refi

Owner Occ

DE

YES

12

2

[2]   Affiliated Business Doc Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C105589

First

FIXED

Cashout Refi

Owner Occ

VA

NO

*Not Applicable

2

[2]   State - Missing Commitment Letter [2]   State - Missing Lock In Disclosure

B

B

OF4C101136

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Attorney General Information Statement [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Insurance Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101177

First

FIXED

Cashout Refi

Owner Occ

WI

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C105586

First

FIXED

Rate/Term Refi

Owner Occ

OR

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Notice Pursuant To ORS 746.201 (Force-Placed Insurance Notice)

B

B

OF4C100988

First

FIXED

Rate/Term Refi

Owner Occ

RI

NO

*Not Applicable

2

[2]   State - Missing Additional HELOC Disclosures [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C100950

First

ARM

Purchase

Owner Occ

NC

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C101035

First

FIXED

Cashout Refi

Owner Occ

VA

YES

36

1

A

A

OF4C101034

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

2

[2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C100962

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C105546

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Right to Select Attorney Disclosure

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101039

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   State - Missing Commitment Disclosure [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure

B

B

OF4C100919

First

FIXED

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer [2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note

B

B

OF4C105545

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C102236

First

FIXED

Cashout Refi

Owner Occ

NE

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101038

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing [2]   State - Missing Anti-Coercion Notice [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100956

First

FIXED

Cashout Refi

Owner Occ

NH

YES

36

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   State - Missing Appraisal Notice [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C102245

First

FIXED

Cashout Refi

Owner Occ

VA

YES

36

2

[2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing [2]   State - Missing Lock In Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101090

First

FIXED

Cashout Refi

Owner Occ

IN

YES

36

2

[2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)

B

B

OF4C102228

First

FIXED

Cashout Refi

Owner Occ

GA

YES

36

2

[2]   Initial GFE Missing [2]   Initial TIL Missing [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C100916

First

ARM

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing Attorney/Insurance Preference Dislcosure

B

B

OF4C100989

First

FIXED

Cashout Refi

Owner Occ

TX

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   State - Missing Mortgage Banker Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement [2]   State - Missing Complaints and Inquiries Notice

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101171

First

FIXED

Cashout Refi

Owner Occ

ID

YES

36

3

[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9 [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   State - Missing Prepayment Penalty Disclosure [2]   State - Missing Oral Agreement Notice

ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains.  Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C102244

First

FIXED

Cashout Refi

Owner Occ

MO

YES

36

2

[2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing [2]   State - Missing Application Disclosure [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101175

First

FIXED

Cashout Refi

Owner Occ

MD

NO

*Not Applicable

2

[2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Commercially Reasonable Means or Mechanism Worksheet / Ability to Repay [2]   State - Missing Net Tangible Benefit Worksheet

B

B

OF4C100990

First

FIXED

Cashout Refi

Owner Occ

IN

NO

*Not Applicable

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   Affiliated Business Doc Missing

B

B

OF4C100917

First

FIXED

Rate/Term Refi

Owner Occ

NC

YES

30

2

[2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101048

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105621

First

FIXED

Cashout Refi

Owner Occ

OH

NO

*Not Applicable

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Statutory Authority Disclosure

B

B

OF4C100958

First

FIXED

Rate/Term Refi

Owner Occ

NC

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing Amortization Information Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C102211

First

FIXED

Cashout Refi

Owner Occ

GA

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   State - Missing Right to Select Attorney Disclosure

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105558

First

FIXED

Cashout Refi

Owner Occ

NY

NO

*Not Applicable

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Interest Rate Disclsoure [2]   State - Missing Insurance Disclsoure [2]   State - Missing Acknowledgment of Receipt of Disclosure Regarding ARM Loan Without Prepayment [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Appraisal and Consumer Report Notice [2]   State - Missing  Borrower's Choice of Attorney Disclosure [2]   State - Missing  Fair Credit Reporting Act Notice [2]   State - Missing  Junior / Subordinate Lien Disclosure

B

B

OF4C101094

First

FIXED

Cashout Refi

Owner Occ

LA

NO

*Not Applicable

2

[2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing

B

B

OF4C105620

First

FIXED

Rate/Term Refi

Owner Occ

NC

NO

*Not Applicable

3

[3]   Rescission Period under 3 days [2]   Initial TIL Missing [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   State - Missing Amortization Information Disclosure

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105361

First

FIXED

Cashout Refi

Owner Occ

DE

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing [2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105592

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

2

[2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C105632

First

FIXED

Cashout Refi

Owner Occ

MA

NO

*Not Applicable

2

[2]   Initial TIL Date not within 3 days of Initial Application Date

B

B

OF4C101143

First

FIXED

Cashout Refi

Owner Occ

IA

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing Oral Agreements Notice on the Note [2]   State - Missing Interest Reduction Fee Disclosure [2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents

B

B

OF4C100992

First

FIXED

Rate/Term Refi

Owner Occ

TN

NO

*Not Applicable

2

[2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Initial TIL Missing [2]   State - Missing Right to Choose Insurance Provider [2]   State - Missing Title Insurance Notice [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application

B

B

OF4C105633

First

FIXED

Cashout Refi

Owner Occ

MS

NO

*Not Applicable

2

[2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing

B

B

OF4C100952

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing [2]   State - Missing Anti-Coercion Notice [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101092

First

FIXED

Cashout Refi

Owner Occ

NY

YES

12

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   State - Missing Interest Rate Disclsoure [2]   State - Missing Acknowledgment of Receipt of Disclosure Regarding ARM Loan Without Prepayment [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing  Borrower's Choice of Attorney Disclosure

B

B

OF4C100991

First

FIXED

Cashout Refi

Owner Occ

NJ

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing Attorney Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Domestic Partnership Affidavit [2]   State - Missing Initial Tax Authorization Notice [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101176

First

FIXED

Cashout Refi

Owner Occ

TN

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing Rate Lock

B

B

OF4C100957

First

FIXED

Cashout Refi

Owner Occ

IA

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing Oral Agreements Notice on the Note [2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101049

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

2

[2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C105017

First

FIXED

Rate/Term Refi

Owner Occ

MD

NO

*Not Applicable

3

[3]   ROR Missing [3]   HUD-1 Missing [3]   State Grace Period Below Minimum [2]   Initial TIL Missing [2]   Affiliated Business Doc Missing [2]   State - Missing MD Finance Agreement [2]   State - Missing Loan Commitment [2]   State - Missing  Residential Property Disclosure / Homeowner's Certification of Principal Residence [2]   State - Missing Attorneys' Fees Disclosure [2]   State - Missing Guarantee Of Loan Program [2]   State - Missing Home Buyers Property Tax Payment Option [2]   State - Missing MD Mandatory Arbitration Disclosure [2]   State - Missing MD No Escrow Account Disclosure [2]   State - Missing Commercially Reasonable Means or Mechanism Worksheet / Ability to Repay [2]   State - Missing Right to Choose Attorney or Title Insurance Company [2]   State - Missing Wet Settlement / Delivery of Net Proceeds Authorization [2]   State - Missing Disclosure of Seller-Paid Fees [2]   State - Missing Licensee Information or Affidavit of Exemption [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Net Tangible Benefit Worksheet [2]   State - Missing Office of Finance, Treasury Division Finance Affidavit [2]   State - Missing Written Acknowledgement of Delivery of the Note [2]   State - Missing Credit Grantor Election [2]   State - Missing MD Notice of Housing Counseling and Services disclosure [2]   Initial GFE Missing

NO

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TNR Testing Not Required

C

C

OF4C100362

First

FIXED

Cashout Refi

Owner Occ

MD

NO

*Not Applicable

2

[2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing [2]   State - Missing Loan Commitment [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Right to Choose Attorney or Title Insurance Company [2]   State - Missing Licensee Information or Affidavit of Exemption

B

B

OF4C100363

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Pre-Application Dislcosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101045

First

FIXED

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing Agency to Receive Borrower Complaints [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C105608

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing [2]   State - Missing Anti-Coercion Notice [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101051

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

2

[2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Initial TIL Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Commitment Disclosure [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Right to Select Attorney Disclosure

B

B

OF4C101056

First

FIXED

Cashout Refi

Owner Occ

IA

NO

*Not Applicable

2

[2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing [2]   State - Missing Oral Agreements Notice on the Note [2]   State - Missing Interest Reduction Fee Disclosure [2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents [2]   State - Missing Loan Brokerage Agreement [2]   State - Missing Notice to Consumer [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C104358

First

FIXED

Rate/Term Refi

Owner Occ

FL

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing [2]   Initial GFE Date not within 3 days of Initial Application Date

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101040

First

FIXED

Cashout Refi

Owner Occ

WI

YES

36

2

[2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C100997

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   State - Missing Anti-Coercion Notice

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101142

First

FIXED

Cashout Refi

Owner Occ

HI

YES

60

2

[2]   Initial TIL Missing

B

B

OF4C101101

First

FIXED

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer [2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101095

First

ARM

Cashout Refi

Investment Property

GA

YES

24

3

[3]   State Grace Period Below Minimum [2]   State - Missing Commitment Disclosure [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act

Late Charge

C

C

OF4C101185

First

ARM

Cashout Refi

Owner Occ

NJ

NO

*Not Applicable

3

[3]   ROR Missing [3]   HUD-1 Missing [3]   TIL Missing [2]   Initial GFE Missing [2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Attorney Disclosure [2]   State - Missing Insurance Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Domestic Partnership Affidavit [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Lock In Agreement [2]   State - Missing Initial Tax Authorization Notice [2]   State - Missing Commitment Letter

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR Indeterminable (UAL State)

D

D

OF4C102212

First

FIXED

Purchase

Owner Occ

TX

NO

*Not Applicable

3

[3]   Note P&I Does Not Equal Final TIL P&I [3]   Finance Charge underdisclosed >$100 for Purchase [2]   Initial TIL Missing [2]   Initial GFE Missing [2]   State - Missing Mortgage Banker Disclosure [2]   State - Missing Loan Agreement Rider [2]   State - Missing Collateral Protection Insurance Notice [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement [2]   State - Missing Complaints and Inquiries Notice

APR/Finance Charge/TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100993

First

FIXED

Cashout Refi

Owner Occ

OH

YES

30

2

[2]   Initial GFE Missing [2]   Initial TIL Missing [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Mortgage Loan Origination Dislcosure [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment

B

B

OF4C105561

First

ARM

Cashout Refi

Owner Occ

GA

YES

60

3

[3]   State Late Charge Not Standard [2]   Affiliated Business Doc Missing [2]   State - Missing Application Disclosure [2]   State - Missing Commitment Disclosure [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date

Late Charge

C

C

OF4C100920

First

FIXED

Cashout Refi

Owner Occ

VA

NO

*Not Applicable

3

[3]   Rescission Period under 3 days [2]   State - Missing Commitment Letter [2]   State - Missing Disclosure of Terms of Mortgage Application [2]   State - Missing Virginia Insurance Disclosure [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101098

First

ARM

Rate/Term Refi

Owner Occ

MS

YES

36

3

[3]   TIL Missing [3]   ROR Missing [3]   HUD-1 Missing [2]   Affiliated Business Doc Missing [2]   Initial GFE Missing

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR Indeterminable

D

D

OF4C101113

First

FIXED

Cashout Refi

Owner Occ

AR

YES

36

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101102

First

ARM

Purchase

Owner Occ

MO

YES

24

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Lock-In Agreement [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C101144

First

FIXED

Cashout Refi

Owner Occ

OK

NO

*Not Applicable

1

A

A

OF4C105562

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C101062

First

FIXED

Cashout Refi

Owner Occ

MI

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [3]   ROR Violation Funding date is prior to or equals the ROR End Date [2]   State - Missing Borrower's Bill of Rights [2]   State - Missing Consumer Caution and Counseling Disclosure [2]   Initial TIL Missing [2]   Initial GFE Missing

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. // ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101110

First

FIXED

Purchase

Owner Occ

MI

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C105550

First

ARM

Cashout Refi

Owner Occ

CA

YES

24

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C101104

First

ARM

Rate/Term Refi

Owner Occ

NV

YES

36

3

[3]   ROR Violation Funding date is prior to or equals the ROR End Date [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Commercially Reasonable Means or Mechanism Worksheet / Ability to Repay [2]   State - Missing Disclosure and Acknowledgment of Involvement and Fees Earned by Mortgage Broker [2]   State - Missing Cover Page / Social Security Disclosure

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100360

First

FIXED

Purchase

Owner Occ

NJ

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$100 for Purchase [2]   State - Missing Attorney Disclosure [2]   State - Missing Insurance Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Initial Tax Authorization Notice

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105426

First

ARM

Cashout Refi

Owner Occ

CA

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [3]   ROR Missing [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing [2]   State - Missing Automated Valuation Model Notice [2]   State - Missing Hazard Insurance Disclosure [2]   State - Missing Mortgage Loan Disclosure Statement (DRE) [2]   State - Missing DRE Advance Fee Agreement [2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate [2]   State - Missing Domestic Partnership Affidavit [2]   State - Missing Finance Lender Information Disclosure [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure [2]   State - Missing Loan Modification Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. // ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100556

First

FIXED

Purchase

Owner Occ

NJ

NO

*Not Applicable

2

[2]   State - Missing Insurance Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Domestic Partnership Affidavit [2]   State - Missing Lock In Agreement [2]   State - Missing Initial Tax Authorization Notice [2]   State - Missing Commitment Letter [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C100560

First

ARM

Cashout Refi

Owner Occ

MA

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Loan Application Supplemental Disclosure [2]   State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100598

First

FIXED

Cashout Refi

Owner Occ

FL

NO

*Not Applicable

3

[3]   ROR Violation Funding date is prior to or equals the ROR End Date [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Pre-Application Dislcosure

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100596

First

ARM

Purchase

Second Home

SC

NO

*Not Applicable

3

[3]   TIL Missing [3]   HUD-1 Missing [2]   Credit Score Disclosure Not Present [2]   State - Missing Attorney/Insurance Preference Dislcosure [2]   State - Missing Agency to Receive Borrower Complaints [2]   State - Missing Notice to Cosigner [2]   State - Missing Balloon Addendum to Note and Rider to Mortgage (Right to refinance disclosure) [2]   State - Missing Mortgage Broker Fee Agreement for Financial Services [2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures [2]   Initial GFE Missing [2]   Initial TIL Missing

NO

TNR Testing Not Required

C

C

OF4C105473

First

FIXED

Rate/Term Refi

Owner Occ

VA

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [3]   State Late Charge Not Standard [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Agent's Certification As to the Validity of Power of Attorney and Agent's Authority [2]   Initial GFE Missing [2]   Initial TIL Missing

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105474

First

ARM

Cashout Refi

Owner Occ

NJ

NO

*Not Applicable

3

[3]   TIL Incomplete [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

TESTED

TR Tested

B

B

OF4C100701

First

FIXED

Purchase

Owner Occ

IL

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$100 for Purchase [3]   TIL Incomplete [2]   Affiliated Business Doc Missing [2]   State - Missing Borrower Information Document [2]   State - Mising Illinois Mortgage Escrow Act Disclosure [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Notice of Choice of Agent or Insurer [2]   State - Missing Loan Brokerage Disclosure Statement

TESTED

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TR Tested

B

B

OF4C100698

First

FIXED

Rate/Term Refi

Investment Property

IL

NO

*Not Applicable

3

[3]   State Late Charge Not Standard [2]   Affiliated Business Doc Missing [2]   State - Mising Illinois Mortgage Escrow Act Disclosure [2]   State - Missing Application Disclosure Statement [2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure [2]   State - Missing Escrow Account Disclosure Agreement [2]   State - Missing Collateral Protection Act Disclosure [2]   State - Missing Notice of Choice of Agent or Insurer [2]   State - Missing Loan Brokerage Disclosure Statement [2]   Initial GFE Missing

Late Charge

C

C

OF4C100694

First

FIXED

Cashout Refi

Owner Occ

CT

YES

36

3

[3]   ROR Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Rate Lock Agreement [2]   State - Missing Notice to Mortgage Applicants / Legal Representation Notice [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100695

First

FIXED

Cashout Refi

Owner Occ

WI

YES

36

3

[3]   State Late Charge Not Standard [3]   State Grace Period Below Minimum [2]   Affiliated Business Doc Missing [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Consumer Disclosure Statement [2]   State - Missing Notice of Choice of Agent or Insurer [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing

Late Charge

C

C

OF4C100696

First

ARM

Purchase

Owner Occ

TN

YES

24

2

[2]   Affiliated Business Doc Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C100702

First

FIXED

Rate/Term Refi

Owner Occ

OH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C100700

First

FIXED

Cashout Refi

Owner Occ

VA

YES

36

3

[3]   ROR Missing

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100706

First

FIXED

Rate/Term Refi

Owner Occ

IN

YES

36

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   State - Missing Broker Agreement [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing  Freedom to Choose Insurance Provider disclosure [2]   State - Missing Notice to Borrower/Prospective Borrower / Homeowner Protection Notice [2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04) [2]   Initial TIL Missing

B

B

OF4C105476

First

FIXED

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

3

[3]   ROR Violation Funding date is prior to or equals the ROR End Date [2]   State - Missing Borrower Information Document [2]   State - Mising Illinois Mortgage Escrow Act Disclosure [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Escrow Account Disclosure Agreement [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105475

First

FIXED

Cashout Refi

Owner Occ

GA

YES

36

2

[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Right to Select Attorney Disclosure

B

B

OF4C100705

First

ARM

Cashout Refi

Owner Occ

OH

YES

60

3

[3]   State Late Charge Not Standard [2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2]   State - Missing Closing Statement / Closing Disclosure

Late Charge

C

C

OF4C100703

First

ARM

Cashout Refi

Owner Occ

PA

YES

36

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C105477

First

FIXED

Rate/Term Refi

Owner Occ

VA

YES

36

2

[2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C100699

First

ARM

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   State - Missing Rate and Points Lock/Float Agreement [2]   State - Missing Application Disclosure Statement [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

B

B

OF4C100710

First

FIXED

Purchase

Owner Occ

IL

NO

*Not Applicable

2

[2]   State - Missing Commitment Letter [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C100711

First

FIXED

Cashout Refi

Owner Occ

GA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C100707

First

FIXED

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   State - Missing Rate and Points Lock/Float Agreement [2]   State - Missing Commitment Letter [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C100708

First

FIXED

Cashout Refi

Owner Occ

OH

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Mortgage Loan Origination Dislcosure [2]   State - Missing Attorney General Information Statement [2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure [2]   State - Missing Insurance Disclosure [2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2]   State - Missing Optional Credit Insurance Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2]   State - Missing Closing Statement / Closing Disclosure

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100704

First

FIXED

Cashout Refi

Owner Occ

OH

NO

*Not Applicable

2

[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Mortgage Loan Origination Dislcosure [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure [2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C105478

First

FIXED

Cashout Refi

Owner Occ

MO

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100709

First

ARM

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

3

[3]   ROR Missing [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing [2]   State - Missing Attorney/Insurance Preference Dislcosure [2]   State - Missing Agency to Receive Borrower Complaints [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Notice to Cosigner [2]   Initial GFE Missing

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105357

First

FIXED

Rate/Term Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Affiliated Business Doc Missing [2]   State - Missing Borrower Information Document [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure [2]   State - Missing Commitment Letter [2]   State - Missing Notice of Choice of Agent or Insurer [2]   Initial TIL Missing

B

B

OF4C100723

First

ARM

Rate/Term Refi

Owner Occ

MN

NO

*Not Applicable

3

[3]   No tolerance fees increased at closing (Transfer Taxes) [2]   State - Missing Interest Rate Disclosre [2]   State - Missing Non Agency Disclosure

RESPA

B

B

OF4C100728

First

FIXED

Rate/Term Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C100352

First

FIXED

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C100735

First

FIXED

Purchase

Owner Occ

IL

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$100 for Purchase [3]   HUD-1 Incomplete [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

NO

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TNR Testing Not Required

C

C

OF4C100734

First

FIXED

Purchase

Owner Occ

IL

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Borrower Information Document [2]   State - Missing Broker Agreement [2]   State - Missing Rate and Points Lock/Float Agreement [2]   State - Missing Application Disclosure Statement [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure [2]   State - Missing Collateral Protection Act Disclosure [2]   State - Missing Commitment Letter [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Notice of Choice of Agent or Insurer [2]   State - Missing Loan Brokerage Disclosure Statement [2]   State - Missing FHA/VA Allowed / Disallowed Borrower Paid Charges Disclosure [2]   Initial GFE Missing

B

B

OF4C101199

Second

ARM

HELOC

Owner Occ

IL

NO

*Not Applicable

3

[3]   ROR Missing [3]   HUD-1 Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Borrower Information Document [2]   State - Missing Application Disclosure Statement [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Notice of Choice of Agent or Insurer [2]   Initial GFE Missing

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR Indeterminable (UAL State)

D

D

OF4C100736

First

FIXED

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Commitment Letter [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C100357

First

ARM

Cashout Refi

Owner Occ

IL

YES

36

3

[3]   APR Tolerance UnderDisclosed 0.125 [3]   Finance Charge underdisclosed >$35 for Refinance [3]   HUD-1 Incomplete [3]   Initial TIL Missing [3]   No tolerance fees increased at closing (Credit or Charge for Interest Rate) [3]   No tolerance fees increased at closing (Adjusted Origination Charges) [2]   Loan is subject to IL Predatory Lending Database Program [2]   State - Missing Borrower Information Document [2]   State - Missing Application Disclosure Statement [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure [2]   State - Missing Commitment Letter

YES

APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TR HUD Deficiency

C

C

OF4C105497

First

FIXED

Purchase

Owner Occ

IL

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Commitment Letter [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C100778

First

ARM

Cashout Refi

Owner Occ

OH

NO

*Not Applicable

2

[2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Statutory Authority Disclosure [2]   Initial TIL Missing

B

B

OF4C100786

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

2

[2]   State - Missing Amortization Information Disclosure [2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan

B

B

OF4C100795

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C105504

First

ARM

Cashout Refi

Owner Occ

NJ

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Commitment Letter [2]   Initial GFE Missing

B

B

OF4C100463

First

FIXED

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Date not within 3 days of Initial Application Date

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100792

First

ARM

Purchase

Owner Occ

MA

NO

*Not Applicable

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Childhood Lead Poisoning Prevention [2]   State - Missing Carbon Monoxide Detector Certification and Indemnification Agreement [2]   State - Missing Fire Prevention / Smoke Detector Certification and Indemnification Agreement

B

B

OF4C100788

First

FIXED

Cashout Refi

Owner Occ

KY

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing KY Fair Housing Law Disclosure [2]   State - Missing Notice of Choice of Agent or Insurer [2]   State - Missing Commitment Letter

B

B

OF4C100796

First

FIXED

Cashout Refi

Owner Occ

MO

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C100802

First

FIXED

Purchase

Owner Occ

FL

NO

*Not Applicable

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Notice to Purchaser-Mortgagor

B

B

OF4C100805

First

FIXED

Cashout Refi

Owner Occ

MA

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C100793

First

FIXED

Cashout Refi

Owner Occ

CA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account [2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Loan Commitiment [2]   State - Missing Mortgage Broker Agreement [2]   Initial TIL Missing

B

B

OF4C100794

First

FIXED

Cashout Refi

Owner Occ

TN

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Application Disclosure [2]   State - Missing Rate Lock [2]   State - Missing Title Insurance Notice

B

B

OF4C100799

First

FIXED

Rate/Term Refi

Owner Occ

AL

YES

36

2

[2]   Initial TIL Missing

B

B

OF4C100787

First

FIXED

Purchase

Owner Occ

MS

YES

36

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing [2]   State - Missing Right to Choose Insurance Provider

B

B

OF4C100798

First

ARM

Cashout Refi

Owner Occ

NJ

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Attorney Disclosure [2]   State - Missing Lock In Agreement [2]   State - Missing Initial Tax Authorization Notice

B

B

OF4C100801

First

FIXED

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing [2]   State - Missing Rate and Points Lock/Float Agreement

B

B

OF4C105505

First

FIXED

Cashout Refi

Owner Occ

MI

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Initial TIL Missing

B

B

OF4C105508

First

FIXED

Cashout Refi

Owner Occ

VA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Commitment Letter [2]   State - Missing Disclosure of Terms of Mortgage Application [2]   State - Missing Lock In Disclosure [2]   Initial TIL Missing

B

B

OF4C105506

First

FIXED

Cashout Refi

Owner Occ

NY

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Interest Rate Disclsoure [2]   State - Missing Commitment [2]   State - Missing Insurance Disclsoure [2]   State - Missing Application Disclosure [2]   State - Missing Notice of Expiration of Loan Commitment [2]   State - Missing Prevailing Commitment Disclosure [2]   State - Missing Insurance Escrow Account Disclosure Statement [2]   State - Missing Tax Escrow Account Designation [2]   State - Missing Lock-In Agreement [2]   State - Missing Appraisal and Consumer Report Notice [2]   State - Missing  Fair Credit Reporting Act Notice

B

B

OF4C100797

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Closing Statement / Closing Disclosure [2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE [2]   Initial TIL Missing

B

B

OF4C105507

First

FIXED

Cashout Refi

Investment Property

NC

NO

*Not Applicable

3

[3]   State Late Charge Not Standard [2]   Affiliated Business Doc Missing [2]   State - Missing Amortization Information Disclosure

Late Charge

C

C

OF4C100800

First

FIXED

Rate/Term Refi

Owner Occ

AL

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C100804

First

FIXED

Cashout Refi

Owner Occ

NE

YES

12

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present

B

B

OF4C100820

First

FIXED

Cashout Refi

Owner Occ

NY

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105360

First

ARM

Cashout Refi

Owner Occ

NM

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Disclosure of Facts Material to the Borrower’s Decision, Rights or Interests [2]   State - Missing Disclosure of Mortgage Loan Compensation [2]   State - Missing Disclosure of Loans that Borrower Qualifies For [2]   State - Missing Mortgage Loan Summary

B

B

OF4C100809

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2]   State - Missing Closing Statement / Closing Disclosure [2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE

B

B

OF4C100810

First

FIXED

Cashout Refi

Owner Occ

GA

YES

60

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date

B

B

OF4C100818

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Closing Statement / Closing Disclosure [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100803

First

FIXED

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

2

[2]   State - Missing Agency to Receive Borrower Complaints [2]   State - Missing Notice to Cosigner

B

B

OF4C100819

First

FIXED

Cashout Refi

Owner Occ

IN

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C105400

First

FIXED

Purchase

Owner Occ

TN

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   State - Missing Rate Lock

B

B

OF4C105514

First

ARM

Cashout Refi

Owner Occ

MN

YES

36

3

[3]   State Late Charge Not Standard [2]   Affiliated Business Doc Missing [2]   State - Missing Non Agency Disclosure [2]   State - Missing Notice of Right to Discontinue Escrow [2]   State - Missing Additional Open-End Credit Account Disclosures [2]   State - Missing Right to Choose Insurance Provider [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

Late Charge

C

C

OF4C100814

First

FIXED

Cashout Refi

Owner Occ

GA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C105509

First

FIXED

Rate/Term Refi

Owner Occ

MS

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C100822

First

FIXED

Cashout Refi

Owner Occ

CT

YES

36

1

A

A

OF4C100821

First

FIXED

Cashout Refi

Owner Occ

OK

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C100001

First

FIXED

Purchase

Owner Occ

TX

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Residential Mortgage Loan Originator Disclosure [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement

B

B

OF4C100460

First

FIXED

Cashout Refi

Owner Occ

LA

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105510

First

FIXED

Cashout Refi

Owner Occ

ME

YES

36

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Alternative Financing Disclosure [2]   State - Missing Notice of Borrower's Right to Select Title Attorney [2]   Initial TIL Missing

B

B

OF4C100827

First

FIXED

Cashout Refi

Owner Occ

MS

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   Initial TIL Missing

B

B

OF4C102248

First

FIXED

Rate/Term Refi

Owner Occ

OH

NO

*Not Applicable

3

[3]   HUD-1 Incomplete [2]   Affiliated Business Doc Missing [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Mortgage Loan Origination Dislcosure [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Closing Statement / Closing Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing

YES

TR Indeterminable (UAL State)

D

D

OF4C105516

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C104628

First

FIXED

Cashout Refi

Owner Occ

TX

NO

*Not Applicable

3

[3]   [TXH] Home Loan Provision: No evidence found that TX 50(a)(6) loan is reviewed by a Texas attorney prior to closing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Mortgage Banker Disclosure [2]   State - Missing Residential Mortgage Loan Originator Disclosure [2]   State - Missing Loan Agreement Rider [2]   State - Missing Collateral Protection Insurance Notice

A 50a6 violation may lead to forfeiture of all principal and interest.

State - NC

C

C

OF4C100806

First

FIXED

Cashout Refi

Owner Occ

PA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C100811

First

FIXED

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

3

[3]   APR Tolerance UnderDisclosed 0.125 [3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing [2]   Initial GFE Date not within 3 days of Initial Application Date

APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100807

First

FIXED

Cashout Refi

Owner Occ

NH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date

B

B

OF4C101204

First

ARM

Purchase

Owner Occ

TX

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Collateral Protection Insurance Notice

B

B

OF4C105642

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Application Disclosure [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing

B

B

OF4C100808

First

ARM

Purchase

Owner Occ

NC

NO

*Not Applicable

2

[2]   State - Missing Choice of Attorney disclosure

B

B

OF4C105513

First

ARM

Cashout Refi

Owner Occ

PA

YES

24

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Application Disclosure [2]   Initial TIL Missing

B

B

OF4C100823

First

FIXED

Purchase

Owner Occ

NJ

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C100816

First

FIXED

Cashout Refi

Owner Occ

TX

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C104458

First

FIXED

Cashout Refi

Owner Occ

MD

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Net Tangible Benefit Worksheet

B

B

OF4C100815

First

FIXED

Purchase

Owner Occ

MA

NO

*Not Applicable

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing [2]   State - Missing Loan Origination and Compensation Agreement [2]   State - Missing Loan Application Supplemental Disclosure [2]   State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations [2]   State - Missing Stated Income Disclosure [2]   State - Missing Carbon Monoxide Detector Certification and Indemnification Agreement [2]   Initial GFE Missing

B

B

OF4C100812

First

FIXED

Rate/Term Refi

Owner Occ

FL

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial GFE Date not within 3 days of Initial Application Date

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100817

First

FIXED

Cashout Refi

Owner Occ

MO

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note

B

B

OF4C105517

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Closing Statement / Closing Disclosure

B

B

OF4C100813

First

FIXED

Rate/Term Refi

Owner Occ

SC

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C105511

First

FIXED

Cashout Refi

Owner Occ

CT

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Disclosure of No Interim Financing [2]   State - Missing Rate Lock Agreement [2]   State - Missing Agreement Concerning Nonrefundability of Advance Fee

B

B

OF4C105515

First

FIXED

Cashout Refi

Owner Occ

MD

NO

*Not Applicable

2

[2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C105512

First

FIXED

Cashout Refi

Owner Occ

MO

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Application Disclosure [2]   State - Missing Lock-In Agreement [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

2017-RN4 ID

Lien

ARMorFix

Purpose at Origination

Occupancy at Origination

State

Zip

OrigBal

pppflag

pppterm

Compliance Event

Compliance Exceptions

Eligible For Predatory Testing - Unable to Test

Compliance Comp Factors

Category

Fitch Compliance Grade

DBRS Compliance Grade

OF4C100829

First

FIXED

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C100826

First

ARM

Purchase

Owner Occ

MO

YES

24

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C100824

First

FIXED

Cashout Refi

Owner Occ

KY

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing KY Fair Housing Law Disclosure [2]   State - Missing Notice of Choice of Agent or Insurer [2]   State - Missing Advance Fee disclosure [2]   State - Agency Disclosure [2]   Initial TIL Missing

B

B

OF4C100825

First

FIXED

Cashout Refi

Owner Occ

AL

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   State - Missing Broker Agreement / Mortgage Loan Origination Agreement [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C105518

First

ARM

Purchase

Owner Occ

SD

YES

36

3

[3]   Finance Charge underdisclosed >$100 for Purchase [2]   Initial GFE Missing [2]   Initial TIL Date not within 3 days of Initial Application Date

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100830

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Pre-Application Dislcosure [2]   State - Missing Notice of Material Change of Mortgage Loan Terms [2]   State - Missing Lock In Agreement [2]   State - Missing Mortgage Loan Commitment [2]   Initial TIL Missing

B

B

OF4C100836

First

FIXED

Rate/Term Refi

Owner Occ

NJ

NO

*Not Applicable

2

[2]   State - Missing Attorney Disclosure [2]   State - Missing Insurance Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Lock In Agreement [2]   State - Missing Commitment Letter

B

B

OF4C100831

First

FIXED

Cashout Refi

Owner Occ

CA

YES

36

3

[3]   Rescission Period under 3 days [3]   HUD-1 Incomplete [2]   Affiliated Business Doc Missing [2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR HUD Deficiency

C

C

OF4C100828

First

FIXED

Cashout Refi

Owner Occ

MN

YES

36

2

[2]   State - Missing Notice of Right to Discontinue Escrow [2]   State - Missing Right to Choose Insurance Provider [2]   Initial TIL Missing

B

B

OF4C100833

First

ARM

Rate/Term Refi

Owner Occ

GA

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure

B

B

OF4C100832

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

2

[2]   State - Missing Choice of Attorney disclosure [2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C100838

First

FIXED

Cashout Refi

Owner Occ

TX

NO

*Not Applicable

2

[2]   State - Missing Mortgage Banker Disclosure [2]   State - Missing Collateral Protection Insurance Notice [2]   Initial TIL Missing

B

B

OF4C100835

First

FIXED

Cashout Refi

Owner Occ

NY

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C105520

First

ARM

Cashout Refi

Owner Occ

CA

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing DRE Advance Fee Agreement [2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C100847

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C100843

First

FIXED

Rate/Term Refi

Owner Occ

MI

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C105519

First

FIXED

Cashout Refi

Owner Occ

GA

YES

60

2

[2]   State - Missing Right to Select Attorney Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C100842

First

FIXED

Rate/Term Refi

Owner Occ

MD

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing MD Finance Agreement [2]   State - Missing Loan Commitment [2]   State - Missing Guarantee Of Loan Program [2]   State - Missing Licensee Information or Affidavit of Exemption [2]   State - Missing Net Tangible Benefit Worksheet [2]   State - Missing Written Acknowledgement of Delivery of the Note [2]   Initial TIL Missing

B

B

OF4C105521

First

FIXED

Cashout Refi

Owner Occ

LA

YES

36

2

[2]   Affiliated Business Doc Missing [2]   Initial GFE Missing

B

B

OF4C100834

First

FIXED

Cashout Refi

Owner Occ

PA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing

B

B

OF4C100840

First

FIXED

Rate/Term Refi

Owner Occ

MO

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C100839

First

FIXED

Cashout Refi

Owner Occ

TN

YES

36

2

[2]   State - Missing Right to Choose Insurance Provider [2]   State - Missing Separate and distinct Prepayment Penalty Disclosure on the Note [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C100837

First

FIXED

Cashout Refi

Owner Occ

PA

YES

36

2

[2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Commitment Letter [2]   State - Missing Rate Lock [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial TIL Missing

B

B

OF4C100845

First

ARM

Cashout Refi

Owner Occ

MO

YES

24

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Application Disclosure [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note

B

B

OF4C100841

First

FIXED

Cashout Refi

Owner Occ

NY

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Broker Compensation Disclosure

B

B

OF4C100844

First

FIXED

Cashout Refi

Owner Occ

IN

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)

B

B

OF4C105523

First

ARM

Cashout Refi

Owner Occ

GA

YES

24

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C100846

First

FIXED

Cashout Refi

Owner Occ

CA

YES

36

3

[3]   TIL Missing [3]   ROR Missing [3]   HUD-1 Missing [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Fair Lending Notice [2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate [2]   State - Missing Domestic Partnership Affidavit [2]   State - Missing Condominium Earthquake Insurance Disclosure [2]   State - Missing Interim Interest Disclosure [2]   State - Missing Notice to Cosigner [2]   Initial GFE Missing [2]   Initial TIL Missing

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR Indeterminable

D

D

OF4C100853

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

3

[3]   ROR Missing [3]   HUD-1 Missing [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   State - Missing Amortization Information Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR Indeterminable

D

D

OF4C100852

First

FIXED

Cashout Refi

Owner Occ

LA

NO

*Not Applicable

2

[2]   Credit Score Disclosure Not Present [2]   State - Missing Broker Agreement [2]   Initial TIL Missing

B

B

OF4C100850

First

FIXED

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Credit Score Disclosure Not Present [2]   State - Mising Illinois Mortgage Escrow Act Disclosure [2]   State - Missing Rate and Points Lock/Float Agreement [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Commitment Letter [2]   State - Missing Notice of Choice of Agent or Insurer [2]   State - Missing Loan Brokerage Disclosure Statement [2]   Initial TIL Missing

B

B

OF4C100851

First

FIXED

Cashout Refi

Owner Occ

MO

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Application Disclosure [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   Initial TIL Missing

B

B

OF4C100854

First

FIXED

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Borrower Information Document [2]   State - Missing Rate and Points Lock/Float Agreement [2]   State - Missing Application Disclosure Statement [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure [2]   State - Missing Collateral Protection Act Disclosure [2]   State - Missing Commitment Letter [2]   State - Missing Notice of Choice of Agent or Insurer [2]   Initial TIL Missing

B

B

OF4C105525

First

FIXED

Cashout Refi

Owner Occ

TN

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Rate Lock [2]   Initial TIL Missing

B

B

OF4C100859

First

FIXED

Rate/Term Refi

Owner Occ

GA

NO

*Not Applicable

3

[3]   ROR Missing [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Application Disclosure [2]   State - Missing Commitment Disclosure [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100856

First

FIXED

Cashout Refi

Owner Occ

MN

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Non Agency Disclosure [2]   State - Missing Conventional Loan Disclosures [2]   Initial TIL Missing

B

B

OF4C101205

First

FIXED

Cashout Refi

Owner Occ

IN

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing

B

B

OF4C100858

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

2

[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure [2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   Initial TIL Missing

B

B

OF4C100855

First

FIXED

Cashout Refi

Owner Occ

IN

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04) [2]   Initial TIL Missing

B

B

OF4C100860

First

FIXED

Cashout Refi

Owner Occ

WV

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   Missing WV Net Tangible Benefit Worksheet [2]   State - Missing Tangible Net Benefit Disclosure [2]   Initial TIL Missing

B

B

OF4C105528

First

ARM

Cashout Refi

Owner Occ

WI

NO

*Not Applicable

2

[2]   State - Missing Anti-Coercion Notice [2]   State - Missing Purchase Money Borrower Notification Dislcosure [2]   State - Missing Broker Application Disclsoure [2]   State - Missing Disclosure of Terms of Mortgage Application [2]   State - Missing Domestic Partnership Addendum to Uniform Residential Loan Application [2]   State - Missing Rate Lock Disclosure [2]   State - YSP not disclosed on GFE and/or HUD as a dollar amount [2]   State - Missing Oral Agreement Notice [2]   State - Missing Dual Capacity Disclosure [2]   Initial TIL Missing

B

B

OF4C105527

First

FIXED

Cashout Refi

Owner Occ

LA

YES

36

2

[2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing

B

B

OF4C100863

First

FIXED

Cashout Refi

Owner Occ

MO

YES

36

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Application Disclosure [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   Initial TIL Missing

B

B

OF4C100864

First

FIXED

Purchase

Owner Occ

CA

NO

*Not Applicable

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date

B

B

OF4C100866

First

FIXED

Rate/Term Refi

Owner Occ

CA

NO

*Not Applicable

3

[3]   Initial TIL Missing [2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Fair Lending Notice [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure [2]   Credit Score Disclosure Not Present

TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101211

First

FIXED

Rate/Term Refi

Owner Occ

MI

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C100865

First

ARM

Cashout Refi

Owner Occ

FL

YES

24

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Broker Agreement [2]   State - Missing Pre-Application Dislcosure [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C105529

First

FIXED

Purchase

Owner Occ

GA

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$100 for Purchase [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101207

First

ARM

Purchase

Owner Occ

NY

YES

12

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Broker Compensation Disclosure [2]   State - Missing Interest Rate Disclsoure [2]   State - Missing Insurance Disclsoure [2]   State - Missing Application Disclosure [2]   State - Missing Affidavit of Compliance / Smoke Alarm [2]   State - Missing Appraisal and Consumer Report Notice [2]   State - Missing  Borrower's Choice of Attorney Disclosure [2]   State - Missing  Fair Credit Reporting Act Notice [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C101208

First

FIXED

Cashout Refi

Owner Occ

VA

NO

*Not Applicable

3

[3]   Note Missing [3]   Rescission Period under 3 days [2]   Credit Score Disclosure Not Present [2]   State - Missing Virginia Insurance Disclosure [2]   State - Missing signed Notice of Mortgage Broker Fee [2]   Initial GFE Missing [2]   Initial TIL Missing

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR Note Deficiency

D

D

OF4C101206

First

ARM

Cashout Refi

Owner Occ

NY

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Broker Compensation Disclosure [2]   State - Missing Commitment [2]   State - Missing Notice of Expiration of Loan Commitment [2]   State - Missing Insurance Escrow Account Disclosure Statement [2]   State - Missing Tax Escrow Account Designation [2]   State - Missing Dual Status / Dual Capacity Disclosure [2]   State - Missing  Borrower's Choice of Attorney Disclosure [2]   Initial GFE Missing

B

B

OF4C105643

First

FIXED

Rate/Term Refi

Owner Occ

KY

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing [2]   State - Missing KY Fair Housing Law Disclosure [2]   State - Missing Commitment Letter [2]   State - Missing Advance Fee disclosure [2]   State - Agency Disclosure [2]   Initial TIL Missing

B

B

OF4C104527

First

FIXED

Cashout Refi

Owner Occ

KY

YES

60

3

[3]   HUD-1 Missing [3]   ROR Incomplete [3]   TIL Incomplete [2]   State - Missing KY Fair Housing Law Disclosure [2]   State - Missing Notice of Choice of Agent or Insurer [2]   State - Missing Advance Fee disclosure [2]   State - Agency Disclosure [2]   Initial TIL Missing

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR Indeterminable

D

D

OF4C101209

First

FIXED

Purchase

Owner Occ

GA

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act

B

B

OF4C101210

First

FIXED

Cashout Refi

Owner Occ

NJ

NO

*Not Applicable

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing [2]   State - Missing Domestic Partnership Affidavit

B

B

OF4C105644

First

ARM

Construction To Perm

Investment Property

FL

NO

*Not Applicable

2

[2]   Initial GFE Date not within 3 days of Initial Application Date

B

B

OF4C105530

First

FIXED

Rate/Term Refi

Owner Occ

OH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Mortgage Loan Origination Dislcosure [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure [2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2]   State - Missing Optional Credit Insurance Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2]   State - Missing Closing Statement / Closing Disclosure [2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE [2]   Initial TIL Missing

B

B

OF4C100869

First

FIXED

Cashout Refi

Owner Occ

MI

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider [2]   State - Missing Rate Lock [2]   Initial TIL Missing

B

B

OF4C100876

First

FIXED

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Borrower Information Document [2]   State - Mising Illinois Mortgage Escrow Act Disclosure [2]   State - Missing Description of Underwriting Criteria and Required Documentation [2]   State - Missing Escrow Account Disclosure Agreement [2]   Initial TIL Missing

B

B

OF4C100868

First

FIXED

Cashout Refi

Owner Occ

TN

NO

*Not Applicable

2

[2]   Initial TIL Missing

B

B

OF4C100877

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   Initial TIL Missing

B

B

OF4C105533

First

FIXED

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer [2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note [2]   Initial TIL Missing

B

B

OF4C100881

First

FIXED

Cashout Refi

Owner Occ

MO

YES

36

2

[2]   State - Missing Anti-Coercion Notice [2]   State - Missing Application Disclosure [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   Initial TIL Missing

B

B

OF4C105532

First

FIXED

Cashout Refi

Owner Occ

MO

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Application Disclosure [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   State - Missing Collateral Protection Act Disclosure [2]   Initial TIL Missing

B

B

OF4C105472

First

FIXED

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C100870

First

FIXED

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer [2]   Initial TIL Missing

B

B

OF4C100872

First

FIXED

Cashout Refi

Owner Occ

MD

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing MD Finance Agreement [2]   State - Missing Loan Commitment [2]   State - Missing Application Disclosure [2]   State - Missing  Residential Property Disclosure / Homeowner's Certification of Principal Residence [2]   State - Missing Attorneys' Fees Disclosure [2]   State - Missing Guarantee Of Loan Program [2]   State - Missing Home Buyers Property Tax Payment Option [2]   State - Missing MD Mandatory Arbitration Disclosure [2]   State - Missing MD No Escrow Account Disclosure [2]   State - Missing Right to Choose Attorney or Title Insurance Company [2]   State - Missing Wet Settlement / Delivery of Net Proceeds Authorization [2]   State - Missing Licensee Information or Affidavit of Exemption [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Net Tangible Benefit Worksheet [2]   State - Missing Office of Finance, Treasury Division Finance Affidavit [2]   State - Missing Written Acknowledgement of Delivery of the Note [2]   State - Missing Credit Grantor Election [2]   State - Missing MD Notice of Housing Counseling and Services disclosure [2]   Initial TIL Missing

B

B

OF4C100878

First

FIXED

Cashout Refi

Owner Occ

MI

YES

36

3

[3]   ROR Missing [2]   Credit Score Disclosure Not Present [2]   State - Missing Borrower's Bill of Rights [2]   State - Missing Consumer Caution and Counseling Disclosure [2]   Initial TIL Missing

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C100874

First

FIXED

Rate/Term Refi

Owner Occ

OH

YES

36

2

[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure [2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2]   State - Missing Closing Statement / Closing Disclosure [2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE [2]   Initial TIL Missing

B

B

OF4C100880

First

FIXED

Cashout Refi

Owner Occ

OH

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing

B

B

OF4C100871

First

FIXED

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer [2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note [2]   Initial TIL Missing

B

B

OF4C100873

First

FIXED

Cashout Refi

Owner Occ

TN

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Application Disclosure [2]   State - Missing Affidavit of Affixation (of manufactured home) [2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application [2]   Initial TIL Missing

B

B

OF4C100884

First

FIXED

Cashout Refi

Owner Occ

VT

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Domestic Partnership Affidavit [2]   State - Missing Interest Rate Disclosure [2]   State - Missing Closing Statement [2]   State - Missing Schedule of Loan Charges [2]   Initial TIL Missing

B

B

OF4C100879

First

FIXED

Cashout Refi

Owner Occ

OH

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Closing Statement / Closing Disclosure [2]   Initial TIL Missing

B

B

OF4C100885

First

FIXED

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   Initial TIL Missing

B

B

OF4C105535

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing

B

B

OF4C105534

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   Initial TIL Missing

B

B

OF4C100882

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   State - Missing Closing Statement / Closing Disclosure [2]   Initial TIL Missing

B

B

OF4C100883

First

FIXED

Rate/Term Refi

Owner Occ

NC

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   Initial TIL Missing

B

B

OF4C105113

First

FIXED

Cashout Refi

Owner Occ

PA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Rate Lock [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial TIL Missing

B

B

OF4C105536

First

FIXED

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

2

[2]   Initial TIL Missing

B

B

OF4C105016

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C101244

First

ARM

Purchase

Owner Occ

MA

YES

24

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C101247

First

ARM

Purchase

Owner Occ

VA

YES

24

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Disclosure of Terms of Mortgage Application [2]   State - Missing Virginia Insurance Disclosure [2]   State - Missing signed Notice of Mortgage Broker Fee

B

B

OF4C101254

First

FIXED

Cashout Refi

Owner Occ

WV

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Collateral Protection Act Disclosure [2]   Missing WV Net Tangible Benefit Worksheet [2]   State - Missing Tangible Net Benefit Disclosure [2]   Initial TIL Missing

B

B

OF4C105658

First

FIXED

Cashout Refi

Owner Occ

MI

YES

36

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider [2]   Initial TIL Missing

B

B

OF4C101237

First

FIXED

Cashout Refi

Owner Occ

KS

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C101241

First

FIXED

Cashout Refi

Owner Occ

NM

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Application Disclosure Statement / Advance Fee Agreement [2]   Initial TIL Missing

B

B

OF4C101248

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   Initial TIL Missing

B

B

OF4C101261

First

ARM

Cashout Refi

Owner Occ

SD

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C100102

First

FIXED

Cashout Refi

Owner Occ

IL

NO

*Not Applicable

3

[3]   HUD-1 Missing [2]   Credit Score Disclosure Not Present [2]   State - Missing Borrower Information Document [2]   Initial TIL Missing

YES

TR Indeterminable (UAL State)

D

D

OF4C101253

First

FIXED

Cashout Refi

Owner Occ

MO

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C101260

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Anti-Coercion Notice [2]   Initial TIL Missing

B

B

OF4C101255

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2]   State - Missing Closing Statement / Closing Disclosure [2]   Initial TIL Missing

B

B

OF4C101252

First

FIXED

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   Initial TIL Missing

B

B

OF4C105659

First

FIXED

Rate/Term Refi

Owner Occ

DE

YES

36

3

[3]   ROR Missing [3]   HUD-1 Missing [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze [2]   Initial GFE Missing [2]   Initial TIL Missing

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR Indeterminable

D

D

OF4C101256

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Credit Score Disclosure Not Present [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   Initial TIL Missing

B

B

OF4C101270

First

FIXED

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C101264

First

FIXED

Cashout Refi

Owner Occ

MO

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C101262

First

FIXED

Cashout Refi

Owner Occ

KY

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Notice of Choice of Agent or Insurer [2]   Initial TIL Missing

B

B

OF4C101250

First

FIXED

Cashout Refi

Owner Occ

WI

YES

60

2

[2]   State - Missing Commitment Letter [2]   State - Missing Consumer Disclosure Statement [2]   State - Missing Application Disclosure [2]   State - Missing Notice of Choice of Agent or Insurer [2]   Initial TIL Missing

B

B

OF4C100002

First

FIXED

Cashout Refi

Owner Occ

NJ

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Insurance Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Domestic Partnership Affidavit [2]   State - Missing Initial Tax Authorization Notice [2]   Initial TIL Missing

B

B

OF4C100054

First

FIXED

Cashout Refi

Owner Occ

VT

NO

*Not Applicable

3

[3]   Exceeds Vermont Interest Rate Threshold [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

The Commissioner may impose an administrative penalty of not more than $5,000.00 on any person that fails to comply with the disclosure rules under the Act. The Commissioner may also order a lender to refund any discount points or other charges paid by a borrower who has not received the required disclosures.

State - Compliant

B

B

OF4C101263

First

FIXED

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Agency to Receive Borrower Complaints [2]   State - Missing Notice to Cosigner [2]   Initial TIL Missing

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101251

First

FIXED

Rate/Term Refi

Owner Occ

WI

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Consumer Disclosure Statement [2]   State - Missing Notice of Choice of Agent or Insurer [2]   Initial TIL Missing

B

B

OF4C101257

First

FIXED

Cashout Refi

Owner Occ

IN

YES

36

2

[2]   Initial TIL Missing

B

B

OF4C105660

First

FIXED

Cashout Refi

Owner Occ

PA

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Rate Lock [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial TIL Missing

B

B

OF4C101266

First

FIXED

Cashout Refi

Owner Occ

KY

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing KY Fair Housing Law Disclosure [2]   State - Missing Notice of Choice of Agent or Insurer [2]   State - Missing Commitment Letter [2]   Initial TIL Missing

B

B

OF4C105663

First

FIXED

Cashout Refi

Owner Occ

CA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure [2]   Initial TIL Missing

B

B

OF4C101259

First

FIXED

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101268

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2]   State - Missing Closing Statement / Closing Disclosure [2]   Initial TIL Missing

B

B

OF4C101265

First

FIXED

Cashout Refi

Owner Occ

LA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C101258

First

FIXED

Cashout Refi

Owner Occ

OH

YES

60

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Attorney General Information Statement [2]   State - Missing Insurance Disclosure [2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2]   State - Missing Closing Statement / Closing Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C101280

First

FIXED

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Affiliated Business Doc Missing [2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer [2]   Initial TIL Missing

B

B

OF4C101273

First

FIXED

Cashout Refi

Owner Occ

WV

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Collateral Protection Act Disclosure [2]   Missing WV Net Tangible Benefit Worksheet [2]   State - Missing Tangible Net Benefit Disclosure [2]   Initial TIL Missing

B

B

OF4C105661

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing

B

B

OF4C105662

First

FIXED

Cashout Refi

Owner Occ

IA

NO

*Not Applicable

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Oral Agreements Notice on the Note [2]   State - Missing Interest Reduction Fee Disclosure [2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents [2]   Initial TIL Missing

B

B

OF4C105664

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Affiliated Business Doc Missing [2]   State - Missing Application Disclosure [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing

B

B

OF4C101269

First

FIXED

Cashout Refi

Owner Occ

TN

NO

*Not Applicable

3

[3]   HUD-1 Incomplete [2]   State - Missing Right to Choose Insurance Provider [2]   State - Missing Affidavit of Affixation (of manufactured home) [2]   State - Missing Rate Lock [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

YES

TR Indeterminable

D

D

OF4C100055

First

FIXED

Cashout Refi

Owner Occ

CT

YES

36

3

[3]   Possible CT Prepaid Finance Charge Violation - Lender to Lender Refinance [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Appraisal Notice [2]   State - Missing Disclosure of No Interim Financing [2]   State - Missing Notice to Mortgage Applicants / Legal Representation Notice [2]   Initial TIL Missing

A violation of the limitations on prepaid finance charges does not appear to impose any assignee liability or impair the validity of any residential mortgage loan (unless loan is also a CT high cost loan).

State - NC

C

C

OF4C105668

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Application Disclosure [2]   State - Missing Commitment Disclosure [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105134

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

3

[3]   HUD-1 Incomplete [3]   [GA] Home Loan Provision: Mandatory Arbitration Provision found in file. GA Fair Lending Act as amended by Senate Bill 53 prohibits mandatory arbitration clause on GA home loans. [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   State - Missing Right to Select Attorney Disclosure [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

YES

State - NC

C

C

OF4C105021

First

FIXED

Cashout Refi

Owner Occ

PA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Commitment Letter [2]   State - Missing Rate Lock [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial TIL Missing

B

B

OF4C101277

First

FIXED

Cashout Refi

Owner Occ

ND

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Missing

B

B

OF4C101275

First

FIXED

Cashout Refi

Owner Occ

TN

NO

*Not Applicable

2

[2]   State - Missing Application Disclosure [2]   State - Missing Right to Choose Insurance Provider [2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application [2]   Initial TIL Missing

B

B

OF4C101267

First

FIXED

Cashout Refi

Owner Occ

VT

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Domestic Partnership Affidavit [2]   State - Missing Interest Rate Disclosure [2]   State - Missing Closing Statement [2]   State - Missing Schedule of Loan Charges [2]   Initial TIL Missing

B

B

OF4C105020

First

FIXED

Cashout Refi

Owner Occ

WA

YES

60

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Disclosure of Terms of Mortgage Application [2]   State - Missing Rate Lock Disclosure [2]   State - Missing Oral Agreement Notice [2]   Initial TIL Missing

B

B

OF4C101287

First

FIXED

Rate/Term Refi

Owner Occ

TN

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Affidavit of Affixation (of manufactured home) [2]   Initial TIL Missing

B

B

OF4C101288

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Pre-Application Dislcosure [2]   Initial TIL Missing

B

B

OF4C105019

First

ARM

Cashout Refi

Owner Occ

SD

YES

36

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing

B

B

OF4C105665

First

ARM

Cashout Refi

Owner Occ

KY

YES

36

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Notice of Choice of Agent or Insurer [2]   State - Missing Commitment Letter [2]   Initial TIL Missing

B

B

OF4C105666

First

FIXED

Cashout Refi

Owner Occ

ID

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Information About Your Lender Notice [2]   Initial TIL Missing

B

B

OF4C105022

First

FIXED

Cashout Refi

Owner Occ

LA

YES

36

3

[3]   APR Tolerance UnderDisclosed 0.125 [3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Application Fee Disclosure [2]   Initial TIL Missing

APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101278

First

FIXED

Cashout Refi

Owner Occ

OH

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Attorney General Information Statement [2]   Initial TIL Missing

B

B

OF4C101272

First

FIXED

Cashout Refi

Owner Occ

OK

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Choice of Insurance Disclsoure [2]   Initial TIL Missing

B

B

OF4C105670

First

FIXED

Cashout Refi

Owner Occ

CA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Hazard Insurance Disclosure [2]   State - Missing Finance Lender Information Disclosure [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure [2]   Initial TIL Missing

B

B

OF4C101294

First

FIXED

Cashout Refi

Owner Occ

TN

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Application Disclosure [2]   State - Missing Rate Lock [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101276

First

FIXED

Cashout Refi

Owner Occ

IA

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Oral Agreements Notice on the Note [2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents [2]   Initial TIL Missing

B

B

OF4C101281

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Anti-Coercion Notice [2]   Initial TIL Missing

B

B

OF4C101274

First

FIXED

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101282

First

FIXED

Cashout Refi

Owner Occ

MO

YES

36

2

[2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Application Disclosure [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   State - Missing Lock-In Agreement [2]   Initial TIL Missing

B

B

OF4C101285

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Pre-Application Dislcosure [2]   State - Missing Lock In Agreement [2]   Initial TIL Missing

B

B

OF4C101284

First

FIXED

Cashout Refi

Owner Occ

MS

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Right to Choose Insurance Provider [2]   Initial TIL Missing

B

B

OF4C105667

First

FIXED

Cashout Refi

Owner Occ

OK

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C101286

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure [2]   State - Missing Insurance Disclosure [2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure [2]   State - Missing Optional Credit Insurance Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2]   State - Missing Closing Statement / Closing Disclosure [2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE [2]   Initial TIL Missing

B

B

OF4C101279

First

FIXED

Cashout Refi

Owner Occ

NY

YES

60

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Interest Rate Disclsoure [2]   State - Missing  Borrower's Choice of Attorney Disclosure [2]   Initial TIL Missing

B

B

OF4C101283

First

FIXED

Cashout Refi

Owner Occ

OR

NO

*Not Applicable

2

[2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Interest rate Lock/Float Disclosure [2]   State - Missing Choice of Insurance Disclsoure [2]   State - Missing Non-Refundable Fee Disclosure [2]   State - Missing Notice Pursuant To ORS 746.201 (Force-Placed Insurance Notice) [2]   State - Missing Escrow Agent Notice [2]   Initial TIL Missing

B

B

OF4C100095

First

FIXED

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

3

[3]   [SCSP] Consumer Home Loan Provision: Unable to determine net tangible benefit due to missing previous note and payoff statement for subject property. Borrower is not paying off any debt at time of closing and cash in hand is not greater than 2x settlement charges. [3]   ROR Missing [2]   Credit Score Disclosure Not Present [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Agency to Receive Borrower Complaints [2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures [2]   Initial TIL Missing

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

State - NC

C

C

OF4C100003

First

FIXED

Cashout Refi

Owner Occ

KS

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing  Freedom to Choose Insurance Provider disclosure [2]   Initial TIL Missing

B

B

OF4C101292

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

3

[3]   ROR Missing [3]   HUD-1 Missing [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Affiliated Business Doc Missing [2]   State - Missing Anti-Coercion Notice [2]   Initial GFE Missing [2]   Initial TIL Missing

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR Indeterminable

D

D

OF4C105671

First

FIXED

Cashout Refi

Owner Occ

PA

NO

*Not Applicable

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Commitment Letter [2]   State - Missing Rate Lock [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure [2]   Initial TIL Missing

B

B

OF4C101290

First

FIXED

Cashout Refi

Owner Occ

WI

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Commitment Letter [2]   State - Missing Consumer Disclosure Statement [2]   State - Missing Application Disclosure [2]   State - Missing Notice of Choice of Agent or Insurer [2]   Initial TIL Missing

B

B

OF4C105669

First

FIXED

Cashout Refi

Owner Occ

TN

NO

*Not Applicable

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Right to Choose Insurance Provider [2]   State - Missing Affidavit of Affixation (of manufactured home) [2]   State - Missing Rate Lock [2]   State - Missing Title Insurance Notice [2]   State - Missing Documentation of Fees paid to Third Parties [2]   Initial TIL Missing

B

B

OF4C101302

First

FIXED

Cashout Refi

Owner Occ

WI

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Consumer Disclosure Statement [2]   State - Missing Application Disclosure [2]   State - Missing Tax Escrow Notice / Election of Property Tax Payment Method [2]   Initial TIL Missing

B

B

OF4C101303

First

FIXED

Cashout Refi

Owner Occ

OH

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Closing Statement / Closing Disclosure [2]   Initial TIL Missing

B

B

OF4C101293

First

FIXED

Cashout Refi

Owner Occ

ND

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing

B

B

OF4C101299

First

FIXED

Rate/Term Refi

Owner Occ

OH

YES

36

2

[2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   State - Missing Optional Credit Insurance Disclosure [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment [2]   Initial TIL Missing

B

B

OF4C105672

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

2

[2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   Initial TIL Missing

B

B

OF4C101291

First

FIXED

Rate/Term Refi

Owner Occ

TN

NO

*Not Applicable

2

[2]   State - Missing Application Disclosure [2]   State - Missing Right to Choose Insurance Provider [2]   State - Missing Rate Lock [2]   State - Missing Documentation of Fees paid to Third Parties [2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application [2]   Initial TIL Missing

B

B

OF4C101289

First

FIXED

Cashout Refi

Owner Occ

FL

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   Initial TIL Missing

B

B

OF4C105678

First

ARM

Cashout Refi

Owner Occ

FL

YES

24

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Broker Agreement [2]   State - Missing Pre-Application Dislcosure [2]   State - Missing Lock In Agreement [2]   Initial TIL Missing

B

B

OF4C101312

First

ARM

Cashout Refi

Investment Property

CA

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account [2]   State - Missing Loan Commitiment [2]   State - Missing Mortgage Loan Disclosure Statement (DRE) [2]   State - Missing DRE Advance Fee Agreement [2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate [2]   State - Missing Finance Lender Information Disclosure [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure [2]   State - Missing Notice to Cosigner [2]   State - Missing Waiver of Title Insurance Disclosure

B

B

OF4C101315

First

ARM

Cashout Refi

Owner Occ

NJ

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   State - Missing Lock In Agreement [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C101307

First

ARM

Purchase

Owner Occ

IL

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$100 for Purchase [2]   State - Missing Borrower Information Document [2]   State - Missing Description of Underwriting Criteria and Required Documentation

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101316

First

ARM

Purchase

Owner Occ

MD

YES

24

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing [2]   State - Missing Application Disclosure [2]   State - Missing Home Buyers Property Tax Payment Option [2]   State - Missing Right to Choose Attorney or Title Insurance Company [2]   State - Missing Wet Settlement / Delivery of Net Proceeds Authorization [2]   State - Missing Disclosure of Seller-Paid Fees [2]   State - Missing First Time Home Buyer Affidavit [2]   State - Missing Licensee Information or Affidavit of Exemption

B

B

OF4C101317

First

ARM

Purchase

Owner Occ

TX

YES

24

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement

B

B

OF4C101318

First

ARM

Purchase

Owner Occ

AL

YES

24

2

[2]   Affiliated Business Doc Missing

B

B

OF4C101319

First

FIXED

Rate/Term Refi

Owner Occ

FL

NO

*Not Applicable

3

[3]   ROR Missing [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105679

First

ARM

Cashout Refi

Owner Occ

MD

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101314

First

FIXED

Purchase

Owner Occ

PA

NO

*Not Applicable

2

[2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Rate Lock [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure

B

B

OF4C101324

First

FIXED

Purchase

Owner Occ

PA

YES

36

3

[3]   Finance Charge underdisclosed >$100 for Purchase [2]   Affiliated Business Doc Missing

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101321

First

FIXED

Cashout Refi

Owner Occ

MD

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Net Tangible Benefit Worksheet

B

B

OF4C101333

First

ARM

Cashout Refi

Owner Occ

WI

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Commitment Letter [2]   State - Missing Consumer Disclosure Statement

B

B

OF4C101311

First

FIXED

Purchase

Owner Occ

GA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Affiliated Business Doc Missing [2]   State - Missing Application Disclosure [2]   State - Missing Commitment Disclosure [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act

B

B

OF4C101320

First

ARM

Purchase

Investment Property

NJ

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Attorney Disclosure [2]   State - Missing Insurance Disclosure

B

B

OF4C101310

First

ARM

Purchase

Owner Occ

TX

YES

24

2

[2]   State - Missing Mortgage Banker Disclosure [2]   State - Missing Residential Mortgage Loan Originator Disclosure [2]   State - Missing Loan Agreement Rider [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement

B

B

OF4C101309

First

FIXED

Purchase

Owner Occ

NC

NO

*Not Applicable

2

[2]   State - Missing Choice of Attorney disclosure

B

B

OF4C101323

First

ARM

Purchase

Owner Occ

MD

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing MD Finance Agreement [2]   State - Missing Application Disclosure [2]   State - Missing  Residential Property Disclosure / Homeowner's Certification of Principal Residence [2]   State - Missing Attorneys' Fees Disclosure [2]   State - Missing Guarantee Of Loan Program [2]   State - Missing Home Buyers Property Tax Payment Option [2]   State - Missing Right to Choose Attorney or Title Insurance Company [2]   State - Missing Licensee Information or Affidavit of Exemption [2]   State - Missing Office of Finance, Treasury Division Finance Affidavit

B

B

OF4C105683

First

FIXED

Purchase

Owner Occ

IL

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Borrower Information Document [2]   State - Missing Broker Agreement [2]   State - Mising Illinois Mortgage Escrow Act Disclosure [2]   State - Missing Rate and Points Lock/Float Agreement [2]   State - Missing Application Disclosure Statement [2]   State - Missing Escrow Account Disclosure Agreement [2]   State - Missing Collateral Protection Act Disclosure [2]   State - Missing Commitment Letter [2]   State - Missing Notice of Choice of Agent or Insurer [2]   State - Missing Loan Brokerage Disclosure Statement [2]   Initial TIL Missing

B

B

OF4C104550

First

FIXED

Rate/Term Refi

Owner Occ

OH

NO

*Not Applicable

2

[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Mortgage Loan Origination Dislcosure [2]   State - Missing Attorney General Information Statement [2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement [2]   State - Missing Statutory Authority Disclosure [2]   State - Missing Closing Statement / Closing Disclosure

B

B

OF4C100493

First

ARM

Rate/Term Refi

Owner Occ

ME

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Notice of Residential Mortgage Loan Applicants [2]   State - Missing Notice to Cosigner [2]   State - Missing Application Disclosure / Choice of Agent and Insurer Notice

B

B

OF4C101345

First

ARM

Cashout Refi

Owner Occ

NJ

NO

*Not Applicable

3

[3]   ROR Missing [3]   Finance Charge underdisclosed >$35 for Refinance [2]   State - Missing Attorney Disclosure [2]   State - Missing Initial Tax Authorization Notice [2]   Initial TIL Missing

ROR - 3yrs for rescindable transactions. The loan is outside the SOL. Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105682

First

FIXED

Cashout Refi

Owner Occ

TN

YES

36

2

[2]   Initial TIL Missing

B

B

OF4C105685

First

ARM

Cashout Refi

Owner Occ

IN

YES

24

1

A

A

OF4C101329

First

ARM

Cashout Refi

Owner Occ

VA

YES

24

3

[3]   HUD-1 Estimated [2]   State - Missing Disclosure of Terms of Mortgage Application [2]   State - Missing Virginia Insurance Disclosure [2]   State - Missing signed Notice of Mortgage Broker Fee [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date

YES

TR Indeterminable

D

D

OF4C101341

First

FIXED

Rate/Term Refi

Owner Occ

MO

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Application Disclosure [2]   Initial TIL Missing

B

B

OF4C101327

First

FIXED

Rate/Term Refi

Owner Occ

IL

NO

*Not Applicable

1

A

A

OF4C101313

First

FIXED

Rate/Term Refi

Owner Occ

MA

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C101326

First

FIXED

Rate/Term Refi

Owner Occ

WI

NO

*Not Applicable

1

A

A

OF4C101330

First

FIXED

Cashout Refi

Owner Occ

SC

NO

*Not Applicable

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date

B

B

OF4C105686

First

FIXED

Purchase

Owner Occ

IL

NO

*Not Applicable

2

[2]   State - Missing Borrower Information Document [2]   State - Missing Rate and Points Lock/Float Agreement [2]   State - Missing Escrow Account Disclosure Agreement

B

B

OF4C105691

First

FIXED

Purchase

Owner Occ

IL

NO

*Not Applicable

1

A

A

OF4C101331

First

FIXED

Purchase

Owner Occ

NJ

NO

*Not Applicable

2

[2]   Credit Score Disclosure Not Present [2]   State - Missing Mortgage Broker Agreement

B

B

OF4C101325

First

ARM

Purchase

Owner Occ

MD

NO

*Not Applicable

2

[2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing MD Finance Agreement [2]   State - Missing Loan Commitment [2]   State - Missing Application Disclosure [2]   State - Missing Attorneys' Fees Disclosure [2]   State - Missing Right to Choose Attorney or Title Insurance Company [2]   State - Missing Written Acknowledgement of Delivery of the Note [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C101332

First

FIXED

Purchase

Owner Occ

NY

NO

*Not Applicable

2

[2]   State - Missing Interest Rate Disclsoure [2]   State - Missing Prevailing Commitment Disclosure [2]   State - Missing  Borrower's Choice of Attorney Disclosure

B

B

OF4C101322

First

FIXED

Purchase

Owner Occ

OH

NO

*Not Applicable

2

[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement [2]   State - Missing Anti-Discrimination Notice [2]   State - Missing Attorney General Information Statement [2]   State - Missing Statutory Authority Disclosure

B

B

OF4C105681

First

FIXED

Rate/Term Refi

Owner Occ

NY

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [3]   TIL Incomplete

TESTED

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TR Tested

B

B

OF4C105687

First

ARM

Cashout Refi

Owner Occ

NY

YES

24

3

[3]   TIL Missing [3]   ROR Missing [3]   HUD-1 Missing [3]   State Late Charge Not Standard [2]   Affiliated Business Doc Missing [2]   State - Missing Interest Rate Disclsoure [2]   State - Missing Application Disclosure [2]   State - Missing  Borrower's Choice of Attorney Disclosure [2]   Initial GFE Missing [2]   Initial TIL Missing [2]   Credit Score Disclosure Not Present

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR Indeterminable

D

D

OF4C101334

First

FIXED

Purchase

Owner Occ

TX

NO

*Not Applicable

2

[2]   State - Missing Mortgage Banker Disclosure [2]   State - Missing Loan Agreement Rider [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement

B

B

OF4C101339

First

FIXED

Cashout Refi

Owner Occ

VA

YES

36

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Disclosure of Terms of Mortgage Application [2]   State - Missing signed Notice of Mortgage Broker Fee [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C101358

First

ARM

Purchase

Second Home

TX

YES

24

1

A

A

OF4C101337

First

FIXED

Construction To Perm

Owner Occ

SC

NO

*Not Applicable

3

[3]   TIL Incomplete [2]   State - Missing Attorney/Insurance Preference Dislcosure [2]   State - Missing Agency to Receive Borrower Complaints [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09)

TESTED

TR Tested

B

B

OF4C101328

First

ARM

Cashout Refi

Owner Occ

GA

YES

36

3

[3]   TIL Missing [3]   ROR Missing [3]   HUD-1 Missing [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   Initial GFE Missing [2]   Initial TIL Missing

YES

ROR - 3yrs for rescindable transactions. The loan is outside the SOL.

TR Indeterminable

D

D

OF4C101365

First

FIXED

Purchase

Owner Occ

TN

YES

36

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application

B

B

OF4C101370

First

ARM

Purchase

Owner Occ

NY

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Interest Rate Disclsoure

B

B

OF4C101336

First

ARM

Cashout Refi

Owner Occ

FL

YES

36

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Pre-Application Dislcosure [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C101346

First

ARM

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing

B

B

OF4C101342

First

ARM

Purchase

Owner Occ

MI

NO

*Not Applicable

2

[2]   State - Missing Borrower's Bill of Rights [2]   State - Missing Consumer Caution and Counseling Disclosure [2]   State - Missing Rate Lock [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C105690

First

ARM

Cashout Refi

Owner Occ

MO

YES

24

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note [2]   State -  Missing Broker Agreement [2]   State - Missing Lock-In Agreement [2]   Initial GFE Missing [2]   Initial TIL Missing

B

B

OF4C101338

First

ARM

Cashout Refi

Owner Occ

GA

YES

12

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act

B

B

OF4C105689

First

FIXED

Cashout Refi

Investment Property

NE

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09)

A

A

OF4C101348

First

FIXED

Cashout Refi

Owner Occ

OR

NO

*Not Applicable

1

A

A

OF4C101335

First

ARM

Cashout Refi

Owner Occ

NE

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing

B

B

OF4C101364

First

FIXED

Purchase

Owner Occ

NE

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing

B

B

OF4C101340

First

ARM

Purchase

Owner Occ

IL

NO

*Not Applicable

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing [2]   State - Missing Borrower Information Document

B

B

OF4C101368

First

FIXED

Purchase

Owner Occ

MO

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$100 for Purchase [2]   Credit Score Disclosure Not Present [2]   State -  Missing Broker Agreement [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105699

First

FIXED

Cashout Refi

Owner Occ

AZ

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing

B

B

OF4C101354

First

FIXED

Cashout Refi

Owner Occ

OK

NO

*Not Applicable

1

A

A

OF4C101349

First

FIXED

Cashout Refi

Owner Occ

MN

NO

*Not Applicable

1

A

A

OF4C105692

First

FIXED

Rate/Term Refi

Owner Occ

KS

NO

*Not Applicable

2

[2]   State - Missing Notice to Consumer / UCCC Addendum

B

B

OF4C105696

First

ARM

Purchase

Owner Occ

KS

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing  Freedom to Choose Insurance Provider disclosure

B

B

OF4C101343

First

FIXED

Rate/Term Refi

Owner Occ

CO

NO

*Not Applicable

2

[2]   GFE1 Written list of service providers not given to borrower [2]   State - Missing Right to Choose Insurance Provider

B

B

OF4C101369

First

ARM

Rate/Term Refi

Owner Occ

CA

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage [2]   State - Missing Interim Interest Disclosure

B

B

OF4C101356

First

FIXED

Purchase

Owner Occ

KS

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing  Freedom to Choose Insurance Provider disclosure [2]   State - Missing Notice to Consumer / UCCC Addendum

B

B

OF4C101344

First

FIXED

Cashout Refi

Owner Occ

CA

NO

*Not Applicable

3

[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9 [2]   Affiliated Business Doc Missing [2]   State - Missing Interim Interest Disclosure

ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C105698

First

ARM

Purchase

Second Home

CA

NO

*Not Applicable

3

[3]   TIL Missing [3]   HUD-1 Missing [2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Hazard Insurance Disclosure [2]   State - Missing Impound Authorization Disclosure [2]   State - Missing Interim Interest Disclosure

NO

TNR Testing Not Required

C

C

OF4C101357

First

FIXED

Cashout Refi

Owner Occ

CA

YES

24

3

[3]   HUD-1 Incomplete [3]   Finance Charge underdisclosed >$35 for Refinance [2]   Credit Score Disclosure Not Present [2]   State - Missing Consumer Credit Score Disclosure [2]   State - Missing Fair Lending Notice [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Interim Interest Disclosure

YES

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TR HUD Deficiency

C

C

OF4C101351

First

FIXED

Cashout Refi

Owner Occ

NE

NO

*Not Applicable

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date

B

B

OF4C101352

First

FIXED

Cashout Refi

Owner Occ

KS

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing  Freedom to Choose Insurance Provider disclosure [2]   State - Missing Notice to Consumer / UCCC Addendum

B

B

OF4C101373

First

FIXED

Cashout Refi

Owner Occ

IA

NO

*Not Applicable

3

[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9 [2]   GFE1 Written list of service providers not given to borrower

ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C101379

First

FIXED

Rate/Term Refi

Owner Occ

KS

NO

*Not Applicable

1

A

A

OF4C101355

First

ARM

Cashout Refi

Owner Occ

ME

NO

*Not Applicable

2

[2]   State - Missing Notice of Residential Mortgage Loan Applicants [2]   State - Missing Application Disclosure / Choice of Agent and Insurer Notice

B

B

OF4C105700

First

FIXED

Purchase

Owner Occ

NE

NO

*Not Applicable

2

[2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   Affiliated Business Doc Missing

B

B

OF4C101359

First

FIXED

Cashout Refi

Owner Occ

CO

NO

*Not Applicable

1

A

A

OF4C101367

First

FIXED

Purchase

Owner Occ

NE

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing

B

B

OF4C101353

First

ARM

Purchase

Owner Occ

GA

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing [2]   State - Missing Right to Select Attorney Disclosure

B

B

OF4C105695

First

FIXED

Purchase

Owner Occ

NE

NO

*Not Applicable

2

[2]   Affiliated Business Doc Missing

B

B

OF4C101361

First

ARM

Purchase

Owner Occ

KS

NO

*Not Applicable

2

[2]   Initial TIL Missing

B

B

OF4C105694

First

FIXED

Purchase

Owner Occ

NE

NO

*Not Applicable

1

A

A

OF4C104820

First

FIXED

Cashout Refi

Owner Occ

WV

NO

*Not Applicable

2

[2]   Initial TIL Missing [2]   Missing WV Net Tangible Benefit Worksheet [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Tangible Net Benefit Disclosure

B

B

OF4C104806

First

FIXED

Cashout Refi

Owner Occ

WA

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Credit Score Disclosure Not Present [2]   Initial TIL Missing [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Broker Application Disclsoure [2]   State - Missing Disclosure of Terms of Mortgage Application [2]   State - Missing Domestic Partnership Addendum to Uniform Residential Loan Application [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Oral Agreement Notice [2]   Initial GFE Date not within 3 days of Initial Application Date

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C104807

First

FIXED

Cashout Refi

Owner Occ

PA

YES

36

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   Initial TIL Missing [2]   State - Missing Mortgage Consumer Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C104816

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [2]   Initial TIL Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1 [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Right to Select Attorney Disclosure

APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.

TILA SOL Expired

B

B

OF4C104821

First

ARM

Cashout Refi

Owner Occ

NJ

NO

*Not Applicable

2

[2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Initial TIL Date not within 3 days of Initial Application Date [2]   Initial GFE Date not within 3 days of Initial Application Date [2]   State - Missing Attorney Disclosure [2]   State - Missing Insurance Disclosure [2]   State - Missing Application Disclosure [2]   State - Missing Mortgage Broker Agreement [2]   State - Missing Lock In Agreement [2]   State - Missing Initial Tax Authorization Notice [2]   State - Missing Commitment Letter

B

B

OF4C104721

First

FIXED

Purchase

Owner Occ

TX

NO

*Not Applicable

3

[3]   TIL Missing [2]   Affiliated Business Doc Missing [2]   State - Missing Mortgage Banker Disclosure [2]   State - Missing Residential Mortgage Loan Originator Disclosure [2]   State - Missing Loan Agreement Rider [2]   State - Missing Collateral Protection Insurance Notice [2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement [2]   Initial GFE Missing [2]   Initial TIL Missing

NO

TNR Testing Not Required

C

C

OF4C105160

First

ARM

Cashout Refi

Owner Occ

NY

NO

*Not Applicable

3

[3]   State High Cost Points and Fees [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing  Borrower's Choice of Attorney Disclosure [2]   Initial TIL Date not within 3 days of Initial Application Date

NY High Cost - Statute of limitations is 6 years for affirmative action and any time during the term of the loan in defense to acceleration of debt, attempt to collect debt or to foreclose, or after the loan goes 60 days down. The loan is outside the SOL.

High Cost

C

C

OF4C100060

First

FIXED

Cashout Refi

Owner Occ

CT

NO

*Not Applicable

3

[3]   ROR Missing [3]   CT Nonprime Home Loan [3]   Possible CT Prepaid Finance Charge Violation - Lender to Lender Refinance [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   Affiliated Business Doc Missing [2]   State - Missing Notice to Mortgage Applicants / Legal Representation Notice

ROR - 3yrs for rescindable transactions. The loan is outside the SOL. 3 years from the date of closing for affirmative action or within 6 years from the date of closing as a defense to foreclosure. There is a "safe harbor" that allows the lender to cure an issue within 90 days of closing, and prior to the commencement of any action by the borrower, by providing restitution and/or making the loan NOT non-prime or making it comply with all applicable provisions, and also for "bona fide" errors - which are generally few and far between. Private action for greater of actual damage or $1,000, costs, attorney's fees and equitable relief. Assignees responsible only for their own compliance failures, but may be impacted by a court allowing the borrower to rescind or modify the loan. This loan is outside the SOL. A violation of the limitations on prepaid finance charges does not appear to impose any assignee liability or impair the validity of any residential mortgage loan (unless loan is also a CT high cost loan).

State HPML - NC

C

C

OF4C105139

First

FIXED

Rate/Term Refi

Owner Occ

NC

NO

*Not Applicable

3

[3]   Federal Higher-Priced Mortgage Loan [3]   North Carolina Rate Spread Loan [2]   HMDA-reportable rate spread (10/1/09 and later) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure

Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. Violation of a NC Rate Spread provision is considered usurious and subject to usury penalties (forfeiture of all interest and return of twice the interest paid). Statute of limitations for usury is 2 years from the last payment made as of August 2007. Prior to this, it was a 2 year time frame.

State HPML - NC

C

C

OF4C105126

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

3

[3]   Finance Charge underdisclosed >$35 for Refinance [3]   Federal Higher-Priced Mortgage Loan [2]   HMDA-reportable rate spread (10/1/09 and later) [2]   State - Missing Right to Select Attorney Disclosure [2]   State - Missing Waiver of Borrower's Rights [2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act [2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1

Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL. Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.

FHPML - NC

C

C

OF4C100047

First

FIXED

Rate/Term Refi

Owner Occ

MO

NO

*Not Applicable

3

[3]   Federal Higher-Priced Mortgage Loan [2]   HMDA-reportable rate spread (10/1/09 and later) [2]   State - Missing Application Disclosure

Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.

FHPML - NC

C

C

OF4C105127

First

FIXED

Cashout Refi

Owner Occ

VA

NO

*Not Applicable

3

[3]   Federal Higher-Priced Mortgage Loan [3]   No tolerance fees increased at closing (Origination Charge) [3]   No tolerance fees increased at closing (Adjusted Origination Charges) [2]   HMDA-reportable rate spread (10/1/09 and later) [2]   State - Missing Commitment Letter [2]   State - Missing Disclosure of Terms of Mortgage Application [2]   State - Missing Lock In Disclosure [2]   State - Missing Virginia Insurance Disclosure

Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.

FHPML - NC

C

C

OF4C100048

First

FIXED

Cashout Refi

Owner Occ

GA

NO

*Not Applicable

3

[3]   Federal Higher-Priced Mortgage Loan [2]   HMDA-reportable rate spread (10/1/09 and later) [2]   State - Missing Right to Select Attorney Disclosure [2]   State - Missing Waiver of Borrower's Rights

Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.

FHPML - NC

C

C

OF4C100061

First

FIXED

Rate/Term Refi

Owner Occ

NC

NO

*Not Applicable

3

[3]   North Carolina Rate Spread Loan [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure

Violation of a NC Rate Spread provision is considered usurious and subject to usury penalties (forfeiture of all interest and return of twice the interest paid). Statute of limitations for usury is 2 years from the last payment made as of August 2007. Prior to this, it was a 2 year time frame.

State HPML - NC

C

C

OF4C105141

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

3

[3]   North Carolina Rate Spread Loan [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Credit Score Disclosure Not Present [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   State - Missing Amortization Information Disclosure

Violation of a NC Rate Spread provision is considered usurious and subject to usury penalties (forfeiture of all interest and return of twice the interest paid). Statute of limitations for usury is 2 years from the last payment made as of August 2007. Prior to this, it was a 2 year time frame.

State HPML - NC

C

C

OF4C105128

First

FIXED

Cashout Refi

Owner Occ

VT

NO

*Not Applicable

3

[3]   Exceeds Vermont Interest Rate Threshold [3]   Federal Higher-Priced Mortgage Loan [2]   HMDA-reportable rate spread (10/1/09 and later) [2]   State - Missing Schedule of Loan Charges [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Interest Rate Disclosure

The Commissioner may impose an administrative penalty of not more than $5,000.00 on any person that fails to comply with the disclosure rules under the Act. The Commissioner may also order a lender to refund any discount points or other charges paid by a borrower who has not received the required disclosures. Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.

State HPML - NC

C

C

OF4C105140

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

3

[3]   North Carolina Rate Spread Loan [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   Evidence of Single Premium Credit Insurance With Disclosure [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan

Violation of a NC Rate Spread provision is considered usurious and subject to usury penalties (forfeiture of all interest and return of twice the interest paid). Statute of limitations for usury is 2 years from the last payment made as of August 2007. Prior to this, it was a 2 year time frame.

State HPML - NC

C

C

OF4C100049

First

FIXED

Cashout Refi

Owner Occ

MS

YES

24

3

[3]   Federal Higher-Priced Mortgage Loan [2]   HMDA-reportable rate spread (10/1/09 and later) [2]   State - Missing Right to Choose Insurance Provider

Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.

FHPML - NC

C

C

OF4C105129

First

FIXED

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

3

[3]   Federal Higher-Priced Mortgage Loan [2]   GFE1 Written list of service providers not given to borrower [2]   HMDA-reportable rate spread (10/1/09 and later) [2]   Violation of SAFE Act/Agency Final Rules Originator name and/or NMLS ID not printed on credit application - Application date between 1/1/11 and 1/9/14 [2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer [2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note

Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.

FHPML - NC

C

C

OF4C100062

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

3

[3]   North Carolina Rate Spread Loan [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure

Violation of a NC Rate Spread provision is considered usurious and subject to usury penalties (forfeiture of all interest and return of twice the interest paid). Statute of limitations for usury is 2 years from the last payment made as of August 2007. Prior to this, it was a 2 year time frame.

State HPML - NC

C

C

OF4C100063

First

FIXED

Cashout Refi

Owner Occ

NC

NO

*Not Applicable

3

[3]   North Carolina Rate Spread Loan [2]   Initial TIL Missing [2]   HMDA-reportable rate spread (1/1/04-10/1/09) [2]   State - Missing Anti-Coercion Notice [2]   State - Missing Choice of Attorney disclosure [2]   State - Missing Amortization Information Disclosure

Violation of a NC Rate Spread provision is considered usurious and subject to usury penalties (forfeiture of all interest and return of twice the interest paid). Statute of limitations for usury is 2 years from the last payment made as of August 2007. Prior to this, it was a 2 year time frame.

State HPML - NC

C

C

OF4C100050

First

FIXED

Cashout Refi

Owner Occ

AL

NO

*Not Applicable

3

[3]   Federal Higher-Priced Mortgage Loan [3]   Increase in 10% tolerance fees exceeds 10% [2]   HMDA-reportable rate spread (10/1/09 and later)

Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.

FHPML - NC

C

C