ID	Rating	Type	Exception	Credit Comments	Compliance Comments	Eligible For Predatory Testing - Unable to Test	Compliance Comp Factors
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $265.00 which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing TIL itemization of amount financed.		APR/Finance Charge - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dower / Homestead Waiver Rider to Mortgage
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge of the greater of $29.00 or 6% exceeds the maximum of 5% allowed for the state Illinois.
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Compliance	[3]   TIL Incomplete		Final TIL is marked final and was signed at closing; however, reflects estimated  Finance Charges.	TESTED
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   State Grace Period Below Minimum		Grace period of 10 days is below 15 day minimum allowed for state of Mississippi.
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee greater of 6% or $29 exceeds the max allowed of 4% for the state of Mississippi.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Originator Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Critical	Compliance	[3]   State Grace Period Below Minimum		Grace period of 10 days is below 15 day minimum allowed for the state of Missouri.
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 6% exceeds the customary of 5% for the state of Missouri.
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Incomplete final application due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Impound Authorization Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Material Change of Mortgage Loan Terms
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Purchaser-Mortgagor
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 6% exceeds the max allowed  for the state MIssouri.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Compliance	[3]   Initial TIL Missing				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Title Insurance Notice
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Seller-Paid Fees
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Information or Affidavit of Exemption
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Wet Settlement / Delivery of Net Proceeds Authorization
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Written Acknowledgement of Delivery of the Note
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Supplement to Good Faith Estimate (GFE) Tradeoff Table
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Insurance Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Complaints and Inquiries Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Multiple Roles in a Consumer Real Estate Transaction
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure Statement Required for Residential Construction Contract
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Agreement Rider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Banker Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Residential Mortgage Loan Originator Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charge under disclosed by $40.62, which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Cover Page / Social Security Disclosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom of Choice Insurance Disclosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   State Grace Period Below Minimum		Grace period of 5 days is below the state grace period minimum of 10 days.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing KY Fair Housing Law Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $69.20 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Agreement Rider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Banker Disclosure
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing KY Fair Housing Law Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $85 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 4% allowed for the state of North Carolina.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Incomplete final application due to missing origination entity information.
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Mortgage Applicants / Legal Representation Notice
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Compliance / Smoke Alarm
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Expiration of Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Pre-Application Disclosure Statement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Banker Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Residential Mortgage Loan Originator Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Banker Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Expiration of Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Initial Tax Authorization Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Critical	Compliance	[3]   Rescission Period under 3 days		ROR executed by borrower xxxx with expiration of rescission period noted as xxxx, only providing borrower with 2 day rescission period.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $120.31 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fair Lending Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Title Insurance Notice
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Mortgage/DOT Incomplete	Mortgage date reflects xxxx, notary date reflects xxxx. Appears to be clerical error.
XXXXXXX	Critical	Credit	[3]   Note Incomplete	Note incomplete due to note being dated xxxx; loan closed xxxx per Notary date.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Application Supplemental Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Rate Lock Commitment
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $6,390.68 which exceeds the $35 tolerance for refinance transactions. Closing Instructions indicate an index of 3.538% was used at origination; however, the lowest Index available within the look-back period is 3.72857%		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing page 5 of 5.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Expiration of Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tax Escrow Account Designation
XXXXXXX	Non Critical	Compliance	[2]   State - Pre-Application Disclosure Statement
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $169.97 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Dislcosure
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Critical	Compliance	[3]   ROR Violation Funding date is prior to or equals the ROR End Date		ROR executed by borrowers xxxx with expiration of rescission period noted as xxxx. Note reflects an interest start date xxxx, equal to the rescission period expiration date.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	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 is not receiving 2x the closijg costs in cash at closing.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dower / Homestead Waiver Rider to Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Compliance	[3]   APR Tolerance UnderDisclosed 0.25		APR under disclosed by .5778 which exceeds the .25 tolerance.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $28,783.65 which exceeds the $35 tolerance for refinance transactions. It appears a lower Index was used at origination than the 3.52% Index available within the look-back period.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Compliance	[3]   APR Tolerance UnderDisclosed 0.125		APR under disclosed by .1955 which exceeds the .125 tolerance.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $250 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Broker Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice For High Loan to Value Mortgages
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Optional Credit Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Expiration of Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Credit	[2]   Subject is Unique Property
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing pages 2 and 3.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Insurance Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Agent Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest rate Lock/Float Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   HUD-1 Incomplete		Final HUD not signed by the borrower or stamped by settlement agent.	NO
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 4% for the state of Mississippi.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement / Mortgage Loan Origination Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $186.71 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity information.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Mortgage/DOT Incomplete	Mortgage incomplete due to invalid notary date, Mortgage dated xxxx while notary date is reflected as xxxx.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agreement Concerning Nonrefundability of Advance Fee
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Mortgage Applicants / Legal Representation Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Agreement
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Material Change of Mortgage Loan Terms
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Purchaser-Mortgagor
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Mortgage Applicants / Legal Representation Notice
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   HUD-1 Incomplete		Final HUD is incomplete due to missing proof of signature from the borrower or stamped by settlement agent due to bottom portion of the page being cut-off.	NO
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Credit Agreeement/Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing required broker disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Settlement Agent Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   ROR Violation Funding date is prior to or equals the ROR End Date		ROR executed by borrowers xxxx with expiration of rescission period noted as 1/28/2005. HUD reflects a funding date of xxxx, equal to the rescission period expiration date, and 0 days of interest was collected which coincides with a xxxx funding date.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 4% exceeds the max allowed of 2% for the in New York.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Insurance Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Complaints and Inquiries Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Multiple Roles in a Consumer Real Estate Transaction
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure Statement Required for Residential Construction Contract
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Agreement Rider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Banker Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure / Advance Fee Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Authorization to Complete Blank Spaces
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agreement Concerning Nonrefundability of Advance Fee
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Optional Credit Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $200 which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Impound Authorization Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity information.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Right to Participate in Class Action Addendum to Note
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Title Insurance Notice
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   P&I stated and calculated exceeds tolerance 0.05	P&I (1382.68) exceeds standard variance (0.05) with calculated P&I (1381.66) Current Variance: 1.02
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $450.40 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing TIL itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Rescission Period under 3 days		ROR executed by borrowers xxxx with expiration of rescission period noted as xxxx, only providing borrower with 2 day rescission period.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement / Advance Fee Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Authorization for Lender to Obtain Insurance
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Facts Material to the Borrower’s Decision, Rights or Interests
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Loans that Borrower Qualifies For
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Mortgage Loan Compensation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom of Choice Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Summary
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Disclosure
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Account Disclosure Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Finance Licensee Statement of Loan Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest rate Lock/Float Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dower / Homestead Waiver Rider to Mortgage
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Agency Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Advance Fee disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing KY Fair Housing Law Disclosure
XXXXXXX	Critical	Compliance	[3]   ROR Violation Funding date is prior to or equals the ROR End Date		ROR executed by borrowers xxxx with expiration of rescission period noted as xxxx. HUD reflects a funding date of xxxx, equal to the rescission period expiration date, and 16 days of interest was collected which coincides with a xxxx funding date.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $3274.06 which exceeds the $35 tolerance for refinance transactions. It appears a lower Index was used at origination than the 4.62938%. Index available within the look-back period.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Rate Lock Commitment
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement / Mortgage Loan Origination Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $820 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dower / Homestead Waiver Rider to Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Purchaser-Mortgagor
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing DRE Advance Fee Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fair Lending Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $115.11 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Compensation Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $105.34 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement / Mortgage Loan Origination Agreement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Application Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Addendum to Uniform Residential Loan Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $483.28 which exceeds the $100 tolerance for purchase transactions. TIL itemization did not disclose administration fee of $550 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Impound Authorization Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Critical	Compliance	[3]   APR Tolerance UnderDisclosed 0.25		APR under disclosed by .577 which exceeds the .25 tolerance.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $23,949.79 which exceeds the $100 tolerance for purchase transactions. Closing instructions indicate the Index used was 2.75%. The lowest Index available within the look-back period is 3.52%.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tax Escrow Notice / Election of Property Tax Payment Method
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agent's Certification as to the Validity of Power of Attorney and Agent's Authority
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure / Choice of Agent and Insurer Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $3587.52 which exceeds the $35 tolerance for refinance transactions. Closing instructions indicate the Index used was 2%. The lowest Index available within the look-back period is 2.2%.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $95.89 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $46.20 which exceeds the $35.00 tolerance for Refinance transactions. Unable to apply the $1700 lender credit on line 207 of the HUD due to missing the credit itemization.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   Rescission Period under 3 days		ROR executed by borrowers xxxx with expiration of rescission period noted as xxxx, only providing borrower with 2 day rescission period.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 4% for the state of Mississippi.
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure / Advance Fee Agreement
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tax Escrow Notice / Election of Property Tax Payment Method
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Compensation Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Escrow Account Disclosure Statement
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 2% for the state of New York.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Additional Open-End Credit Account Disclosures
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Conventional Loan Disclosures
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Right to Cancel Private Mortgage Insurance
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Right to Discontinue Escrow
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prepayment Penalty Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 4% for the state North Carolina.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to being dated greater than 120 days from note date without a recertification of value in file.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Dislcosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $50.02 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Escrow Holdback	HUD line 1303 reflects escrow pad for $350.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $190 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a wire fee of $25, an email/fax/phone fee of $75 or a courier fee of $90 as a prepaid finance charges.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Initial Tax Authorization Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Addendum to Uniform Residential Loan Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing NMLS Unique Identifier # and WA CLA mortgage loan originator’s license number on the application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing or Incomplete Variable Rate Disclosure
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Interest Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Application Supplemental Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Origination and Compensation Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Additional Open-End Credit Account Disclosures
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclosre
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Non Agency Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Account Disclosure Agreement
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Insurance Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Agent Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Non-Refundable Fee Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statute of Frauds Statement
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Right to Participate in Class Action Addendum to Note
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 4% for the state of North Carolina.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $233.15 which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $97.02 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to being dated greater than 120 days from closing without a recertification of value in file.
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity information.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Credit	[2]   Subject is Unique Property
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Insurance Disclsoure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreements Notice on the Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State -  Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $615.70 which exceeds the $100 tolerance for purchase transactions. TIL Itemization did not disclose settlement fees: Attorney closing  fee $600, courier fee $35, Wire fee $18 and Recording service fee $40 as prepaid finance charges.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 3% for the state Massachusetts.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Rate Lock Commitment
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $60 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Incomplete		Final TIL incomplete due to bottom portion of the document being cut off during imaging.	TESTED
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to bottom portion of document being cut off during imaging.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information and borrower signature.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Compliance / Smoke Alarm
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 4% for the state of Mississippi.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to, missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Loan is subject to IL Predatory Lending Database Program		Loan is subject to IL predatory Lending Database Program. Certificate of Exemption from IL predatory Lending Database Program is not in file.
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing FHA/VA Allowed / Disallowed Borrower Paid Charges Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $40.50 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing

XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Right to Select Attorney
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to, missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Cover Page / Social Security Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of No Interim Financing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Mortgage Applicants / Legal Representation Notice
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Disclosure Regarding ARM Loan Without Prepayment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Incomplete final application due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing NMLS Unique Identifier # and WA CLA mortgage loan originator’s license number on the application
XXXXXXX	Critical	Credit	[3]   Mortgage/DOT Incomplete	Mortgage is incomplete due to   missing notary date on the notary page.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Adjustable Rate Loan Without Prepayment Penalty
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing KY Fair Housing Law Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement / Mortgage Loan Origination Agreement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing the borrower's signature but marked as taken in a face to face interview.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Agency Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Advance Fee disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing KY Fair Housing Law Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Compliance	[3]   APR Tolerance UnderDisclosed 0.125		APR under disclosed by .1398 which exceeds the .125 tolerance.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $248.25 which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Credit Agreeement/Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dual Status / Dual Capacity Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Refinance Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing required broker disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Loan is subject to IL Predatory Lending Database Program		Loan is subject to IL predatory Lending Database Program. Certificate of Exemption from IL predatory Lending Database Program found in file.
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Account Disclosure Agreement
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Purchaser-Mortgagor
XXXXXXX	Critical	Compliance	[3]   Rescission Period under 3 days		ROR executed by borrowers xxxx with expiration of rescission period noted as xxxx, only providing borrower with 2 day rescission period.  Technical error as loan was not funded until xxxx		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $652.37 which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fair Lending Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Impound Authorization Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Commitiment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Seller-Paid Fees
XXXXXXX	Non Critical	Compliance	[2]   State - Missing First Time Home Buyer Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Information or Affidavit of Exemption
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Wet Settlement / Delivery of Net Proceeds Authorization
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 4% for the state North Carolina.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Agreement
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 4% for the state of North Carolina.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $416.30 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing  fee of $115 and a sub-escrow fee of $310 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing page 2 of 4.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 4% for the state of North Carolina.
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $206.98 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   ROR Violation Funding date is prior to or equals the ROR End Date		ROR executed by borrowers xxxx with expiration of rescission period noted as xxxx. HUD reflects a funding date of xxxx, equal to the rescission period expiration date, and 2 days of interest was collected which coincides with a xxxx funding date.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Cover Page / Social Security Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $134 which exceeds the $35.00 tolerance for Refinance transactions. TIL Itemization only disclosed origination charges in the amount of $660 and final HUD reflects $794.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Credit Score Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Impound Authorization Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Title Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Mortgage/DOT Incomplete	Mortgage incomplete due to missing notary signature date.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Borrower/Prospective Borrower / Homeowner Protection Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing the borrower's signature but marked as taken in a face to face interview.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Incomplete final application due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Purchase Money Borrower Notification Dislcosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Incomplete		Final HUD incomplete due to missing itemization of lines 811, 1207, and 1307.	YES
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Automated Valuation Model Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Condominium Earthquake Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing DRE Advance Fee Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Home Equity Loan Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Modification Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Title Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   HUD-1 Incomplete		Final HUD not signed or stamped by the settlement agent.	YES
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Agreement Rider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Banker Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Residential Mortgage Loan Originator Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Originator Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Critical	Compliance	[3]   HUD-1 Incomplete		Final HUD not signed by the borrower or stamped by settlement agent and is also cut off at the bottom.	YES
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 3% for the state of Massachussets.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   HUD-1 Incomplete		Final HUD incomplete due to missing page 1.	NO
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 10% exceeds the max allowed of 5% for the state of Louisiana.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Home Loan Provision Exception		[GA] Home Loan Provision: Mandatory Arbitration Provision found in file; unable to determine if arbitration agreement was a condition of financing. GA Fair Lending Act as amended by Senate Bill 53 prohibits mandatory arbitration clause on GA home loans.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $35.10 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Disclosure Statement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Agent Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest rate Lock/Float Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agent's Certification As to the Validity of Power of Attorney and Agent's Authority
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Settlement Agent Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Residential Property Disclosure / Homeowner's Certification of Principal Residence
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorneys' Fees Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Credit Grantor Election
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Seller-Paid Fees
XXXXXXX	Non Critical	Compliance	[2]   State - Missing First Time Home Buyer Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Guarantee Of Loan Program
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Home Buyers Property Tax Payment Option
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Information or Affidavit of Exemption
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Balloon Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Mandatory Arbitration Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD No Escrow Account Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Net Tangible Benefit Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Office of Finance, Treasury Division Finance Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Written Acknowledgement of Delivery of the Note
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Credit Score Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensed Lenders Regulations Itemized Schedule of Charges
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure / Advance Fee Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Authorization to Complete Blank Spaces
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Mortgage Applicants / Legal Representation Notice
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Insurance Agent Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   TIL Missing			NO
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing the borrower's signature but marked as taken in a face to face interview.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Incomplete		Initial TIL incomplete due to missing the date.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $775.95 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Credit	[2]   Only Preliminary Title in File
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Title Insurance Notice
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $7,520.27 which exceeds the $35 tolerance for refinance transactions. It appears rounding method utilized by lender differs from rounding method on note.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Credit	[2]   Only Preliminary Title in File
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure / Advance Fee Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Authorization to Complete Blank Spaces
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Purchaser-Mortgagor
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing the borrower's signature but marked as taken in a face to face interview.
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $39.26 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $68.45 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a courier fee of $50, assignment fee of $25 and a additional closing attrney fee of $45 as prepaid finance charges, however did disclose interim interest credit of -$85.88 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Agreement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tax Escrow Notice / Election of Property Tax Payment Method
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Material Change of Mortgage Loan Terms
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Purchaser-Mortgagor
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Carbon Monoxide Detector Certification and Indemnification Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Childhood Lead Poisoning Prevention
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fire Prevention / Smoke Detector Certification and Indemnification Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Application Supplemental Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing or Incomplete Variable Rate Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensed Lenders Regulations Itemized Schedule of Charges
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to, missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $47.23 which exceeds the $35.00 tolerance for refinance transactions.Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $553.55 which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Incomplete	Credit report incomplete due to missing origination entity information.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Compliance / Smoke Alarm
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Escrow Account Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Pre-Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Loan is subject to IL Predatory Lending Database Program		Loan is subject to IL predatory Lending Database Program. Certificate of Exemption from IL predatory Lending Database Program found in file.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Critical	Credit	[3]   Initial Application Unsigned
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the maximum of, the greater of 4% or $5.00 allowed for the state Mississippi.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Separate and distinct Prepayment Penalty Disclosure on the Note
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Title Insurance Notice
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Expiration of Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Broker Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Initial Tax Authorization Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Credit Score Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fair Lending Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Impound Authorization Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Initial Tax Authorization Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the maximum of 2% allowed for the state of New York.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Escrow Account Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tax Escrow Account Designation
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Residential Mortgage Loan Originator Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Fee Disclosure
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Credit Agreeement/Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Refinance Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to only containing pages 1, 2 & 3 of 6.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Initial Tax Authorization Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $2823.72 which exceeds the $35 tolerance for refinance transactions. It appears a lower Index was used at origination than the 4.2668% Index available within the look-back period.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement / Mortgage Loan Origination Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Credit Score Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Impound Authorization Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Initial Tax Authorization Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Account Disclosure Agreement
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $125 which exceeds the $35 tolerance for refinance transactions. TIL Itemization only disclosed origination charges in the amount of $443.23 and final HUD reflects $568.23.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing T-42.1 Endorsement (TX Home Equity Loans)	Missing T-42.1 Endorsement.  The T-42.1 endorsement is a supplemental coverage that provides protection/insurance of compliance with certain provisions applicable to TX50(a)(6) Home Equity loans.  While there is no regulatory requirement, this endorsement is generally required by lenders and assignees of TX Home Equity loans (including FNMA).
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Purchaser-Mortgagor
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Material Change of Mortgage Loan Terms
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 4% for the state of North Carolina.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of No Interim Financing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dual Status / Dual Capacity Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Mortgage Applicants / Legal Representation Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Agreement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Originator Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Reduction Fee Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreements Notice on the Note
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorneys' Fees Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Information or Affidavit of Exemption
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Notice of Housing Counseling and Services disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $255.67  which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing TIL itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Incomplete		Final TIL was signed by the borrower at closing, however, reflects estimated APR, finance charges, amount financed and total payment figures.	NO
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $298.67 which exceeds the $100 tolerance for purchase transactions. There is a Seller credit on page one of HUD for $2790 which is not itemized therefore excluded.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Separate and distinct Prepayment Penalty Disclosure on the Note
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Title Insurance Notice
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Right to Participate in Class Action Addendum to Note
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   HUD-1 Incomplete		Final HUD incomplete due to page is cut off.	YES
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Credit Agreeement/Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $66.00 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing attorney fee $100 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing FHA/VA Allowed / Disallowed Borrower Paid Charges Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Credit	[2]   Subject is Unique Property
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Title Insurance Notice
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $82.34 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   HUD-1 Incomplete		Final HUD not signed or stamped by settlement agent.	YES
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 4% for the state of Mississippi.
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Incomplete final application due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Credit Score Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Critical	Compliance	[3]   Missing MA Borrower's Interest Worksheet		MA Borrower's Interest worksheet missing from file.  Required for all MA Refinance of principal residence within 60 months of consummation of existing loan.		A violation may be used as a defense to foreclosure, as with many other issues. Before a borrower can allege a violation, the lender can require that the borrower give the lender notice and give the lender the option to resolve any issue. If this is done, and the borrower refuses the lender's offer to make the situation right, the borrower cannot recover costs and attorney's fees. The burden of proof as far as complying with the Borrowers' Interest standard is on the lender, but it appears there is minimal risk in a missing worksheet.
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 3% for the state of Massachussets.
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Incomplete final application due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to missing payoff statement for subject property. Applications do not show change in monthly payments, and borrower is not  receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Interest Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Carbon Monoxide Detector Certification and Indemnification Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Childhood Lead Poisoning Prevention
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fire Prevention / Smoke Detector Certification and Indemnification Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Origination and Compensation Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $64.55 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a recording service fee paid to closing agent of $75 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dower / Homestead Waiver Rider to Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing T-42.1 Endorsement (TX Home Equity Loans)	Missing T-42.1 Endorsement.  The T-42.1 endorsement is a supplemental coverage that provides protection/insurance of compliance with certain provisions applicable to TX50(a)(6) Home Equity loans.  While there is no regulatory requirement, this endorsement is generally required by lenders and assignees of TX Home Equity loans (including FNMA).
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tax Escrow Notice / Election of Property Tax Payment Method
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State -  Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application

XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Documentation of Fees paid to Third Parties
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Title Insurance Notice
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Compliance	[3]   Rescission Period under 3 days		ROR executed by borrowers xxxx  with expiration of rescission period noted as xxxx. However, mortgage reflects a notary date of xxxx providing the borrower with a 1 day rescission.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Application Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Addendum to Uniform Residential Loan Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Incomplete final application due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Broker Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to missing previous note, HUD, and/or payoff statement for subject property.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing borrower's signature but marked as taken in a face to face interview.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Home Buyers Property Tax Payment Option
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Information or Affidavit of Exemption
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Finance Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD No Escrow Account Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Net Tangible Benefit Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Account Disclosure Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $565.94 which exceeds the $100 for purchase transactions.  Unable to determine under disclosure due to missing TIL Itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   MI Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Application Supplemental Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $445 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   P&I stated and calculated exceeds tolerance 0.05	The Note reflects P&I of $409.19 and the audited payment reflects an initial P&I of $409.09. Discrepancy appears to be due to document error on note.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Disclosure
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Interest Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Rate Lock Commitment
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Mortgage/DOT Incomplete	Mortgage incomplete due to incorrect date of notary acknowledgment.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to, missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreements Notice on the Note
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $84.99 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   HUD-1 Incomplete		Final HUD incomplete due to not being signed by the borrower.	YES
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Complaints and Inquiries Notice
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dual Capacity Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $356.51 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Account Disclosure Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Critical	Credit	[3]   Mortgage Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to being completed on 4/12/2002 and the loan closed on xxxx. Missing recertification of value.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Insurance Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Title Protection Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Account Disclosure Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing KY Fair Housing Law Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Account Disclosure Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Conventional Loan Disclosures
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Missing WV Net Tangible Benefit Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $222.33 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing attorney fee of $250 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Critical	Credit	[3]   MI Missing	Case Query results provided do not indicate UFMIP was paid, FHA loan, missing MIC.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final Application incomplete due to being illegible. The left side of the pages is blacked out.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dower / Homestead Waiver Rider to Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $136.84 which exceeds the $100 tolerance for purchase transactions. TIL Itemization did not disclose the broker compliance review as prepaid finance charges.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $ 54.84 which exceeds the $35.00 tolerance for Refinance transactions.  TIL Itemization only disclosed interim interest charges in the amount of $146.24 and final HUD reflects $146.24.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dower / Homestead Waiver Rider to Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dower / Homestead Waiver Rider to Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dower / Homestead Waiver Rider to Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $191.23 which exceeds the $100 for purchase. TIL Itemization did not disclose settlement fees: Admin Fee to T.A. & S., Inc for 245.00 on line 1306 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dower / Homestead Waiver Rider to Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			NO
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			NO
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   FHA Case Number Assignment Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   MI Missing	Case Query results are not provided to indicate if UFMIP was paid, FHA loan, missing MIC.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to missing previous note, HUD, and/or payoff statement for subject property.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   MI Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity information.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Rate Lock Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Stated Income Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Compensation Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Escrow Account Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Expiration of Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tax Escrow Account Designation
XXXXXXX	Non Critical	Compliance	[2]   State - Pre-Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Material Change of Mortgage Loan Terms
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Purchaser-Mortgagor
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Mortgage Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Escrow Account Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tax Escrow Account Designation
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensed Lenders Regulations Itemized Schedule of Charges
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal is incomplete due to pages 1 and 2 of appraisal report being illegible.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $235.93 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Condominium Earthquake Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Credit Score Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fair Lending Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Impound Authorization Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Commitiment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Title Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Cover Page / Social Security Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $175.14 which exceeds the $35 tolerance for refinance transactions. TIL itemization excluded a closing attorney fee of $175 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal is incomplete due to missing page 3 of 11.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $150.00 which exceeds the $35 tolerence for refinance transactions. TIL itemization did not disclose a closing Attorney fee of $150 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Credit Score Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fair Lending Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Commitiment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Title Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing page 1 of appraisal report.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorneys' Fees Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Credit Grantor Election
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Guarantee Of Loan Program
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Information or Affidavit of Exemption
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Finance Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Mandatory Arbitration Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD No Escrow Account Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Notice of Housing Counseling and Services disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Written Acknowledgement of Delivery of the Note
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $214.21 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing attorney fee of $200 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 2/13/2006, loan originated xxxx.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Credit	[2]   Only Preliminary Title in File
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fair Lending Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Impound Authorization Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Commitiment
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $195.44 which exceeds the $35 tolerance for refinance transactions. TIL Itemization excluded the closing fee of $250 as prepaid finance charges.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $276.43 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement / Advance Fee Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Loans that Borrower Qualifies For
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Mortgage Loan Compensation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Optional Credit Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $149.78 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose an closing attorney fee of $150 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Credit Score Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fair Lending Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $159.35 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing attorney fee of $200 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Fee Agreement for Financial Services
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $200.05 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a Closing attorney fee of $200.00 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 10/24/2003, loan originated xxxx.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing NMLS Unique Identifier # and WA CLA mortgage loan originator’s license number on the application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement / Mortgage Loan Origination Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Addendum to Uniform Residential Loan Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dual Status / Dual Capacity Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice For High Loan to Value Mortgages
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Consumer / UCCC Addendum
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Residential Property Disclosure / Homeowner's Certification of Principal Residence
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Net Tangible Benefit Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Office of Finance, Treasury Division Finance Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Written Acknowledgement of Delivery of the Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing or Incomplete Variable Rate Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State -  Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Credit	[2]   Manufactured House
XXXXXXX	Non Critical	Credit	[2]   Only Preliminary Title in File
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Account Disclosure Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Initial Tax Authorization Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Credit Score Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing DRE Advance Fee Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fair Lending Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Impound Authorization Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Commitiment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Expiration of Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Conventional Loan Disclosures
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Critical	Compliance	[3]   Rescission Period under 3 days		ROR executed by borrowers xxxx with expiration of rescission period noted as xxxx. However, mortgage reflects a notary date of xxxx		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agreement Concerning Nonrefundability of Advance Fee
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of No Interim Financing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Mortgage Applicants / Legal Representation Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Agreement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement / Mortgage Loan Origination Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Initial Tax Authorization Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $171.39 which exceeds the $35 tolerance for refinance transactions. It appears TIL itemization did not disclose a closing Attorney fee of $200 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Finance Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Notice of Housing Counseling and Services disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Net Tangible Benefit Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice

XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure / Advance Fee Agreement
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 10/26/1999, loan originated xxxx.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure / Choice of Agent and Insurer Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Residential Mortgage Loan Applicants
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Refinance Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Fee Agreement for Financial Services
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensed Lenders Regulations Itemized Schedule of Charges
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing KY Fair Housing Law Disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Initial Tax Authorization Notice
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Missing WV Net Tangible Benefit Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fair Lending Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Title Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Account Disclosure Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing FHA/VA Allowed / Disallowed Borrower Paid Charges Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate and Points Lock/Float Agreement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Optional Credit Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agreement Concerning Nonrefundability of Advance Fee
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Mortgage Applicants / Legal Representation Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Agreement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $200 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing Attorney fee of $200 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Wet Settlement / Delivery of Net Proceeds Authorization
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Note Incomplete	Note incomplete due to not reflecting property address per legal description.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Escrow Account Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Mising Illinois Mortgage Escrow Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State -  Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 1/21/2005, loan originated xxxx.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Credit Grantor Election
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Home Buyers Property Tax Payment Option
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Information or Affidavit of Exemption
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD No Escrow Account Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Net Tangible Benefit Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Written Acknowledgement of Delivery of the Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Residential Property Disclosure / Homeowner's Certification of Principal Residence
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorneys' Fees Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Credit Grantor Election
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Seller-Paid Fees
XXXXXXX	Non Critical	Compliance	[2]   State - Missing First Time Home Buyer Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Guarantee Of Loan Program
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Home Buyers Property Tax Payment Option
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Information or Affidavit of Exemption
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Finance Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Mandatory Arbitration Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD No Escrow Account Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Notice of Housing Counseling and Services disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Net Tangible Benefit Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Office of Finance, Treasury Division Finance Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Wet Settlement / Delivery of Net Proceeds Authorization
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Written Acknowledgement of Delivery of the Note
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorneys' Fees Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Guarantee Of Loan Program
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Home Buyers Property Tax Payment Option
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Mandatory Arbitration Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Net Tangible Benefit Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application is incomplete due illegible.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclosre
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $249.94 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a Closing attorney fee of $250 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Balloon Addendum to Note and Rider to Mortgage (Right to refinance disclosure)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Fee Agreement for Financial Services
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Consumer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreements Notice on the Note
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Mortgage/DOT Incomplete	Mortgage incomplete due to reflecting a PO Box and not the street address of xxxx
XXXXXXX	Critical	Credit	[3]   Note Incomplete	Note incomplete due to reflecting a PO Box and not the street address xxxx
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Schedule of Loan Charges
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 10/2/2006, loan originated xxxx
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dower / Homestead Waiver Rider to Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit disability insurance with a single payment of an annual premium of $1,592. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a single payment of $8,034.66. Insurance is optional. Evidence of disability insurance with a single payment of $3,058.28. Insurance is optional. Evidence of involuntary unemployment insurance with a single payment of $630.00. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents
XXXXXXX	Critical	Compliance	[3]   Federal Higher-Priced Mortgage Loan		Federal Higher-Priced Mortgage Loan - stated APR  of 11.51% and audited APR of 11.5182% exceed the HPML threshold of 6.19% (1.5% over applicable APOR, 4.69%). Note, rate lock not in file, used Note date as lock in date.  Missing lender's assessment of borrower's ability to repay and several other documents from loan file to determine if loan is a compliant Fed HPML. Potential non-compliant Fed HPML.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $85.35 which exceeds the $35 tolerance for refinance transactions. Unable to determine the reason for under disclosure due to missing the itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   Increase in 10% tolerance fees exceeds 10%		HUD 10% tolerance fees increased more than allowed: Total fees subject to 10% tolerance were disclosed from binding GFE dated 05/06/2011 in the amount of $423.60 and the total collected was $771.50, resulting in an increase of $347.90 or 82.13%. This is due to the fact that GFE13 dated 05/13/2011 reflects an undocumented increase in title services and lender's title insurance from $343 to $345.
XXXXXXX	Critical	Compliance	[3]   No tolerance fees increased at closing (Adjusted Origination Charges)		No tolerance fees increased at closing: Adjusted Origination charges increased from most recent binding GFE dated 4/11/2011; Adjusted Origination disclosed as $2011.98 increased at closing to $2535.05. This is due to the fact that GFE13 dated 05/13/2011 reflects an undocumented increase in Origination charges rom $2595.74 to $2595.80 therefore an undocumented increase in Adjusted Origination charges from $2595.74 to $2595.80.
XXXXXXX	Critical	Compliance	[3]   No tolerance fees increased at closing (Origination Charge)		No tolerance fees increased at closing: Origination charges increased from most recent binding GFE dated 04/01/2011 disclosed Origination charges as $2011.98 increased at closing to $2535.05. This is due to the fact that GFE13 dated 05/13/2011 reflects an undocumented increase in Origination charges rom $2595.74 to $2595.80 therefore an undocumented increase in Adjusted Origination charges from $2595.74 to $2595.80.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (10/1/09 and later)
XXXXXXX	Non Critical	Compliance	[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
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $33.83 and annual premium of $399.81. Insurance is optional.  Evidence of credit disability insurance with a monthly payment of $23.49 and annual premium of $281.69. Insurance is optional.  Evidence of involuntary unempolyment insurance with a monthly payment of $23.74 and annual premium of $284.68. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 10/06/1999, loan originated xxxx
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 6/23/2005 loan originated xxxx
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Collateral Protection Act Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Incomplete		Final HUD incomplete due to not being signed by the borrower as bottom of pages are cut off, all fees were able to be captured from the HUD.	YES
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $110.34  which exceeds the $35 tolerance for refinance transactions.TIL itemization did not disclose a closing attorney fee of $150 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to missing previous note, HUD, and/or payoff statement for subject property.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Dower / Homestead Waiver Rider to Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to, missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit single life insurance with a monthly payment of $94.15 and premium of $11,386.62. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   Federal Higher-Priced Mortgage Loan		Federal Higher-Priced Mortgage Loan - stated APR (11.25%) and audited APR (11.2505%) exceeds the HPML threshold of 5.75% (1.5% over applicable APOR, 4.25%). Note, missing rate lock, used Note date as lock in date. Missing lender's assessment of borrower's ability to repay and several other documents from loan file to determine if loan is a compliant Fed HPML. Potential non-compliant Fed HPML.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (10/1/09 and later)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to, missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Compliance	[3]   Rescission Period under 3 days		ROR executed by borrowers xxxx with expiration of rescission period noted as xxxx, however, mortgage reflects a notary date of xxxx		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   P&I stated and calculated exceeds tolerance 0.05	P&I (1379) exceeds standard variance (0.05) with calculated P&I (1420.69) Current Variance 41.69
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Credit	[2]   Original LTV > 125%
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   Home Loan Provision Exception		[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.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $42.28 and annual premium of $500.90. Insurance is optional. Evidence of single credit disability insurance with a monthly payment of $55.29 and annual premium of $662.98. Insurance is optional. Evidence of single involuntary unemployment insurance with a monthly payment of $44.36 and annual premium of $531.96. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Compliance	[3]   Federal Higher-Priced Mortgage Loan		Federal Higher-Priced Mortgage Loan - stated APR  of 11.67% and audited APR of 11.7074% exceed the HPML threshold of 4.95% (1.5% over applicable APOR, 3.45%). Note, rate lock not in file, used Note date as lock in date.  Missing lender's assessment of borrower's ability to repay and several other documents from loan file to determine if loan is a compliant Fed HPML. Potential non-compliant Fed HPML.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $76.85 which exceeds the $35 tolerance for refinance transactions. Unable to determine the reason for the under disclosure due to missing the itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (10/1/09 and later)
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing signed Notice of Mortgage Broker Fee
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Settlement Agent Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a single premium of $4,890.42. Insurance is optional. Evidence of single credit disability insurance with a single premium of $1,502.72. Insurance is optional. Evidence of involuntary unemployment insurance with a single premium of $1,383.90. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Credit	[2]   Subject is Unique Property	Per appraisal dated 05/03/2000 subject property is a Rowhouse.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   Initial TIL Missing				TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a single premium of $4401.65. Insurance is optional. Evidence of single involuntary unemployment insurance with a single premium of $716.51. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $199.86 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a Closing attorney fee of $200 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Federal Higher-Priced Mortgage Loan		Federal Higher-Priced Mortgage Loan - stated APR (12.13%) and audited APR (12.1338%) exceeds the HPML threshold of 6.47% (1.5% over applicable APOR, 4.97%). Note, missing rate lock, used Note date as lock in date. Missing lender's assessment of borrower's ability to repay and several other documents from loan file to determine if loan is a compliant Fed HPML. Potential non-compliant Fed HPML.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (10/1/09 and later)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 06/12/2001, loan originated xxxx
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of joint credit life insurance with a monthly payment of $66 and annual premium of $792. Insurance is optional. Evidence of joint disability insurance with a monthly payment of $47.31 and annual premium of $567.73. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $43.27 and annual premium of $518.50. Insurance is optional. Evidence of single involuntary unemployment insurance with a monthly payment of $72.52 and annual premium of $870.22. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $46.09 and annual premium of $551.45. Insurance is optional. Evidence of single credit disability insurance with a monthly payment of $35.13 and annual premium of $421.46. Insurance is optional. Evidence of single involuntary unemployment insurance with a monthly payment of $37.94 and annual premium of $455.18. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single life insurance with a single premium of $2,272.79. Evidence of single disability insurance with a single premium of $686.12. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with an  annual premium of $4300.25. Insurance is/is not optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit disability insurance with a monthly payment of $27.52 and annual premium of $330.20. Insurance optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to, missing previous note and/or payoff statement, and HUD-1 for subject property.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing KY Fair Housing Law Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $200.07 which exceeds the $35 tolerance for refinance transactions. TIL itemization excluded a closing attorney fee of $200 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Fee Agreement for Financial Services
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $66.03 and annual premium of $780.03. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Missing Title Evidence
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to missing previous note, HUD, and/or payoff statement for subject property.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to borrower's signature line cut off.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of joint credit life insurance with a monthly payment of $78.75 and annual premium of $945. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $47.11 and annual premium of $565.32, as well as, evidence of single credit involuntary unemployment insurance with a monthly payment of $30.32 and annual premium of $363.79 . Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $204.28 which exceeds the $35 tolerance for refinances. TIL itemization did not disclose a Closing attorney fee in the amount of $210.00 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Optional Credit Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Purchaser-Mortgagor
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   Federal Higher-Priced Mortgage Loan		Federal Higher-Priced Mortgage Loan - stated APR (10.12%) and audited APR (10.1316%) exceeds the HPML threshold of 5.55% (1.5% over applicable APOR, 4.05%). Note, missing rate lock, used Note date as lock in date. Missing lender's assessment of borrower's ability to repay and several other documents from loan file to determine if loan is a compliant Fed HPML. Potential non-compliant Fed HPML.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
XXXXXXX	Critical	Compliance	[3]   Home Loan Provision Exception		[NM] Home Loan Provision: Missing evidence lender assessed borrower's reasonable ability to repay and several other documents from loan file to determine if lender complied with provisions applicable to all NM home loans.
XXXXXXX	Critical	Compliance	[3]   Initial GFE Missing		File does not contain any GFEs for review.
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (10/1/09 and later)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement / Advance Fee Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Loans that Borrower Qualifies For
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom of Choice Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $200 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing attoney fee of $200 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of joint credit life insurance with a monthly payment of $140.40 and annual premium of $1,684.80. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $149.83 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing attorney fee of $150 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Fee Agreement for Financial Services
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of joint credit life insurance with a monthly payment of $165 and annual premium of $1,979.39. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 11/2/1998, loan originated xxxx
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $101.59 and annual premium of $1,209.75.  Insurance is optional. Evidence of disability insurance with a monthly payment of $51.52 and annual premium of $617.63.  Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit disablity insurance with a monthly payment of $42.78 and annual premium of $513.35. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 02/23/1998, loan originated xxxx
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   P&I stated and calculated exceeds tolerance 0.05	P&I (669.01) exceeds standard variance (0.05) with calculated P&I (669.16) Current Variance: 0.15
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Credit Agreeement/Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Refinance Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Critical	Compliance	[3]   Home Loan Provision Exception		[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.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a premium of $11,362.52 for 120 months.  Insurance is optional. Evidence of credit disability insurance with a premium of $1,551.13 for 48 months. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $75.38 which exceeds the $35 tolerance for refinance transactions. Unable to determine the reason for the under disclosure due to being without an amortization schedule.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a single annual premium of $6,749.24. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Credit Agreeement/Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Guaranty Terms Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of joint life insurance with a single premium of $6,480. Insurance is optional. Evidence of single disability insurance with a single premium of $931.50. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Idaho Escrow Account Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $731.39 and annual premium of $12,241.81 Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $150.05 and annual premium of $1796.65. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $46.07 and annual premium of $551.31. Insurance is optional. Evidence of single credit disability with a monthly payment of $23.87 and annual premium of $286.35. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 1/30/1998, loan originated xxxx
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Manufactured Home Disclosures (RESPA/TILA) Disclosures
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of joint credit life insurance with a single premium of $14,457.10. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $55.02 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing attorney fee of $75 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing KY Fair Housing Law Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Finance Lender Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $38.95 and annual premium of $460.68. Insurance is optional. Evidence of single credit disability insurance with a monthly payment of $35.08 and annual premium of $420.91. Insurance is optional. Evidence of single involuntary unemployment insurance with a monthly payment of $38.38 and annual premium of $460.52. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $75.96 and annual premium of  $900.52. Insurance is optional. Evidence of credit disability insurance with a monthly payment of $104.70 and annual premium of $1255.15. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Compliance	[3]   ROR Violation Funding date is prior to or equals the ROR End Date		ROR executed by borrowers xxxx with expiration of rescission period noted as xxxx. HUD reflects a funding date of xxxx, equal to the rescission period expiration date, and 6 days of interest was collected which coincides with a xxxx funding date.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of joint life insurance with a single premium of $11,342.79. Insurance is optional. Evidence of  single credit disability insurance with a single premium of $1,943.92. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of Single Credit Life insurance with a monthly payment of $27.43 and annual premium of $329.16, and evidence of Single Credit Disability with a monthly payment of $29.72 and annual premium of $356.64.  Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider

XXXXXXX	Critical	Compliance	[3]   Federal Higher-Priced Mortgage Loan		Federal Higher-Priced Mortgage Loan - stated APR (10.51%) and audited APR (10.5082%) exceeds the HPML threshold of 6.53% (1.5% over applicable APOR, 5.03%).Note, rate lock not in file, used Note date as lock in date.  Missing lender's assessment of borrower's ability to repay and several other documents from loan file to determine if loan is a compliant Fed HPML. Potential non-compliant Fed HPML.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
XXXXXXX	Critical	Compliance	[3]   Increase in 10% tolerance fees exceeds 10%		HUD 10% tolerance fees increased more than allowed: Total fees subject to 10% tolerance were disclosed from binding GFE dated 12/30/2009 in the amount of $530.50 and the total collected was $635.50, resulting in an increase of $105 or 19.79%. This due to the fact that GFE2 dated 01/19/2010 reflects an undocumented increase in required services that we select from $25 to $105 and title sevrices and lender's title insurance from $325 to $350.
XXXXXXX	Critical	Compliance	[3]   No tolerance fees increased at closing (Adjusted Origination Charges)		No tolerance fees increased at closing: Adjusted Origination charges increased from most recent binding GFE dated 12/30/2009; Adjusted Origination disclosed as $1160.22 increased at closing to $1163.39. This is due to the fact that GFE2 dated 01/19/2010 reflects an undocumented increase in Origination charges from $1160.22 to $1223.38 therefore an undocumented increase in Adjusted Origination charges from $1160.22 to $1223.38.
XXXXXXX	Critical	Compliance	[3]   No tolerance fees increased at closing (Origination Charge)		No tolerance fees increased at closing: Origination charges increased from most recent binding GFE dated 12/30/2009 disclosed Origination charges as $1160.22 increased at closing to $1163.39. This is due to the fact that GFE2 dated 01/19/2010 reflects an undocumented increase in Origination charges from $1160.22 to $1223.38 therefore an undocumented increase in Adjusted Origination charges from $1160.22 to $1223.38.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   GFE1 Written list of service providers not given to borrower
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (10/1/09 and later)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $171.89 which exceeds the $35.00 tolerance for refinance transactions.  TIL Itemization did not disclose a Closing attorney fee $150 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Initial Tax Authorization Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $75.19 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose an attorney closing fee of $200 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $69.70 and annual premium of $834.98. Insurance is optional. Evidence of single credit disability insurance with a monthly payment of $39.34 and annual premium of $472.01. Insurance is optional. Evidence of single involuntary unemployment insurance with a monthly payment of $39.34 and annual premium of $472.01. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Compliance	[3]   Federal Higher-Priced Mortgage Loan		Federal Higher-Priced Mortgage Loan - stated APR (11.15%) and audited APR (11.1505%) exceeds the HPML threshold of 5.54% (1.5% over applicable APOR, 4.04%). Note, missing rate lock, used Note date as lock in date. Missing lender's assessment of borrower's ability to repay and several other documents from loan file to determine if loan is a compliant Fed HPML. Potential non-compliant Fed HPML.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (10/1/09 and later)
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $37.95 and annual premium of $455.40. Insurance is optional. Evidence of single credit disability insurance with a monthly payment of $34.75 and annual premium of $417.05. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Disclosure Regarding ARM Loan Without Prepayment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tax Escrow Notice / Election of Property Tax Payment Method
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   Federal Higher-Priced Mortgage Loan		Federal Higher-Priced Mortgage Loan - stated APR (11.89%) and audited APR (11.8883%) exceeds the HPML threshold of 6.36% (1.5% over applicable APOR, 4.86%). Note, rate lock not in file, used Note date as lock in date.  Missing lender's assessment of borrower's ability to repay and several other documents from loan file to determine if loan is a compliant Fed HPML. Potential non-compliant Fed HPML.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (10/1/09 and later)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Note Incomplete	Note in file is incomplete due to street address stated as P.O. Box, not physical address of property.
XXXXXXX	Critical	Credit	[3]   P&I stated and calculated exceeds tolerance 0.05	The Note reflects P&I of $669.04 which exceeds standard variance (0.05) with calculated P&I (668.81) Current Variance: 0.23
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a single premium of $6,500. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $72 and annual premium of $864. Insurance is optional. Evidence of single credit disability insurance with a monthly payment of $63.58 and annual premium of $763. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Account Disclosure Agreement
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of joint credit life insurance with a monthly payment of $97 and annual premium of $1164. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Credit Agreeement/Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Refinance Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with an annual premium of $10,738.35 and credit accident and health insurance with an annual premium of $927.37. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $200.23 which exceeds the $35 tolerance for refinance transactions. TIL itemization excluded a closing attorney fee of $200 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $84.60 and annual premium of $1015.20.   Evidence of Involuntary unemployment insurance with a monthly payment of $34.78 and annual premium of $417.30. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $44.62 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a lender doc prep fee of $125 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $59.04 and annual premium of $707.43. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $52.50 and annual premium of $630. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $58.47 and annual premium of $696.51.  Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of joint credit life insurance with a monthly payment of $55.51 and annual premium of $664.44. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice For High Loan to Value Mortgages
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prepayment penalty disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $183.40 which exceeds the $35 tolerance for refinance transactions. It appears TIL itemization did not disclose a closing attorney fee of $175 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $36.18 and annual premium of $430.90. Insurance is optional. Evidence of single disability insurance with a monthly payment of $19.30 and annual premium of $231.41. Insurance is optional. Evidence of single involuntary unemployment insurance with a monthly payment of $19.30 and annual premium of $231.41. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Authorization to Complete Blank Spaces
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure Statement / Advance Fee Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Authorization for Lender to Obtain Insurance
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Facts Material to the Borrower’s Decision, Rights or Interests
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Mortgage Loan Compensation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom of Choice Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Summary
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit disability insurance with a monthly payment of $25.72 and annual premium of $308.68. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Affixation (of manufactured home)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Documentation of Fees paid to Third Parties
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $162.54 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a lender doc prep fee of $125 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan
XXXXXXX	Critical	Compliance	[3]   Exceeds Vermont Interest Rate Threshold		High Rate Loan under VT Interest Act.  Interest rate (10.25%) exceeds VT interest act rate threshold of 9% by 1.25%.  VT High Rate High Point Disclosure in file.  Loan appears to be a compliant VT High Rate loan.		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.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of joint credit life insurance with a monthly payment of $66 and annual premium of $792. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Schedule of Loan Charges
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $24.22 and annual premium of $290.60. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   ROR Violation Funding date is prior to or equals the ROR End Date		ROR executed by borrowers xxxx with expiration of rescission period noted as xxxx. HUD reflects a funding date of xxxx, 5 days prior to the rescission period expiration date.		ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Mortgage/DOT Incomplete	Mortgage incomplete due to reflecting a PO box and not a street address.
XXXXXXX	Critical	Credit	[3]   Note Incomplete	Note incomplete due to reflecting a PO box and not a street address.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement / Mortgage Loan Origination Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $150.04 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing attorney fee of $150 as a prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $46.66 and annual premium of $555.47. Insurance is optional. Evidence of credit disability insurance with a monthly payment of $23.47 and annual premium of $281.50. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Condominium Earthquake Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Hazard Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Impound Authorization Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $50.19 and annual premium of $602.24. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Material Change of Mortgage Loan Terms
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $86 and annual premium of $1,032.  Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Information About Your Lender Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Lock/Float Information
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal is incomplete due to missing  date.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Documentation of Fees paid to Third Parties
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Name Number and NMLS Unique Identifier on the application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Optional Credit Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $36.16 and annual premium of $433.27. Insurance is optional. Evidence of single credit disability insurance with a monthly payment of $63.35 and annual premium of $760.16. Insurance is optional. Evidence of single involuntary unemployment insurance with a monthly payment of $31.48 and annual premium of $377.78. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Fair Credit Reporting Act Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Compliance / Smoke Alarm
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 9/3/2003, loan originated xxxx
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $41.47 and annual premium of $492.50. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   APR Tolerance UnderDisclosed 0.125		APR under disclosed by .2013 which exceeds the .125 tolerance.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a single premium of $1288.72. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of disability insurance with a single premium of $2,481.60. Insurance is optional. Evidence of involuntary unemployment insurance with a single premium of $2,475. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $200.05 which exceeds the $35 tolerance for refinance transactions. TIL Itemization did not disclose the closing attorney fee of $200 as prepaid finance charges.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to, missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Mortgage/DOT Incomplete	Mortgage Incomplete due Notary date missing the year
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   Home Loan Provision Exception		[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.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $43.13 and annual premium of$517.53. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Incomplete		Final HUD incomplete due to improper imaging resulting in disbursements fees and descriptions being illegible, all fees were able to be captured from the HUD.	YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Originator Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   P&I stated and calculated exceeds tolerance 0.05	Note P&I of $949 exceeds the standard variance of $0.05 with a calculated P&I of $947.41; current variance of $1.59.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Critical	Compliance	[3]   Federal Higher-Priced Mortgage Loan		Federal Higher-Priced Mortgage Loan - stated APR (12.6%) and audited APR (12.5977%) exceeds the HPML threshold of 6.62% (1.5% over applicable APOR, 5.12%). Note, missing rate lock, used Note date as lock in date. Missing lender's assessment of borrower's ability to repay and several other documents from loan file to determine if loan is a compliant Fed HPML. Potential non-compliant Fed HPML.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   GFE1 Written list of service providers not given to borrower
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (10/1/09 and later)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a single premium of $1,577.58. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Fee Agreement for Financial Services
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $34.61 and annual premium of $410.21. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to, missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of joint credit disability insurance with a monthly payment of $60.67 and annual premium of $728.02. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Disclosure Regarding ARM Loan Without Prepayment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 7/1/2003, loan originated xxxx
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Note Incomplete	Note in file is incomplete due to street address stated as P.O. Box, not physical address of property.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $68.39 and annual premium of $810.12. Insurance is optional. Evidence of involuntary unemployment insurance with a monthly payment of $19.12 and annual premium of $229.45. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $0.00 and annual premium of $3900.00 (paid in full on HUD).  Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Cosigner
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Critical	Compliance	[3]   HUD-1 Incomplete		Final HUD incomplete due to missing borrower's signatures and/or closing agent certification.	YES
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single involuntary unemployment insurance with a monthly payment of $38.80 and annual premium of $465.56. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Important Prepayment Penalty Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Critical	Compliance	[3]   Federal Higher-Priced Mortgage Loan		Federal Higher-Priced Mortgage Loan - stated APR of 12.57% and audited APR of 12.5671% exceeds the HPML threshold of 6.46% (1.5% over applicable APOR, 4.96%). Note, rate lock not in file, used Note date as lock in date.  Missing lender's assessment of borrower's ability to repay and several other documents from loan file to determine if loan is a compliant Fed HPML. Potential non-compliant Fed HPML.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $81.54 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   Rate value(s) in TIL Rate/Payment Disclosure inaccurate		Rate value in TIL Rate/Payment Disclosure inaccurate. Maximum ever rate on the Final TIL is 12.16, calculated maximum ever rate is 12.156%. Appears to be a rounding issue but since Reg does not allow for tolerance, JCIII is reporting exception and will leave it at client's discretion to waive.		TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   GFE1 Written list of service providers not given to borrower
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (10/1/09 and later)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Credit Agreeement/Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Refinance Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing required broker disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $255.13 which exceeds the $35 tolerance for refinance transactions. It appears TIL itemization did not disclose a closing attorney fee of $250 and a flood fee of $5.50 as prepaid finance charges.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of involuntary unemployment insurance with a monthly payment of $42.18 and annual premium of $506.11. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $63.44 and annual premium of $754.53. Insurance is optional. Evidence of single credit disability insurance with a monthly payment of $20.93 and annual premium of $250.91. Insurance is optional. Evidence of single involuntary unemployment insurance with a monthly payment of $28.86 and annual premium of $345.86. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a premium of $6082.75. Insurance is optional. Evidence of credit disability insurance with a single premium of $2782.68. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $150 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing attorney fee of $150 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Critical	Compliance	[3]   Federal Higher-Priced Mortgage Loan		Federal Higher-Priced Mortgage Loan - stated APR (12.33%) and audited APR (12.3252%) exceeds the HPML threshold of 5.93% (1.5% over applicable APOR, 4.43%). Missing evidence lender assessed borrower's ability to repay. Non-compliant fed HPML.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
XXXXXXX	Critical	Compliance	[3]   Increase in 10% tolerance fees exceeds 10%		HUD 10% tolerance fees increased more than allowed: Total fees subject to 10% tolerance were disclosed from binding GFE dated 01/05/2010 in the amount of $528.50 and the total collected was $922.50, resulting in an increase of $394 or 74.55%. This is due to the fact that GFE2 dated 02/06/2010 reflects an undocumented increase in title services and lender's title insurance from $470 to $495 and an undocumented increase in government recording charges from $28 to $42.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (10/1/09 and later)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tax Escrow Notice / Election of Property Tax Payment Method
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Purchaser-Mortgagor
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit to borrower due to missing documents and final HUD missing to determine if borrower received cash out or paid off debts.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $37.95 and annual premium of $455.40. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of involuntary unemployment insurance with a monthly payment of $39.32 and annual premium of $471.89. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Virginia Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 11/15/2002, loan originated xxxx
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Reduction Fee Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Consumer
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Facts Material to the Borrower’s Decision, Rights or Interests
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Loans that Borrower Qualifies For
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Mortgage Loan Compensation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Summary
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 06/16/2005, loan originated xxxx
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Mortgage/DOT Incomplete	Mortgage incomplete due to missing notary date.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Refinance Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Home Loan Provision Exception		[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.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Waiver of Borrower's Rights
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Compliance	[3]   Federal Higher-Priced Mortgage Loan		Federal Higher-Priced Mortgage Loan - stated APR (11.25%) and audited APR (11.2526%) exceed the HPML threshold of 6.47% (1.5% over applicable APOR, 4.97%). Note, rate lock not in file, used Note date as lock in date.  Missing lender's assessment of borrower's ability to repay and several other documents from loan file to determine if loan is a compliant Fed HPML. Potential non-compliant Fed HPML.		Federal Higher-Priced Mortgage Loan - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (10/1/09 and later)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a single premium of $5,965.64. Insurance is optional. Evidence of single credit disability insurance with a single premium of $2,418.49. Insurance is optional. Evidence of single involuntary unemployment insurance with a single premium of $1,389.34. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Broker Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Consumer / UCCC Addendum
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $37.38 and annual premium of $445.19. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   Missing Notice of Change in Mortgage Terms / Revised Mortgage Loan Originator Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Ohio Business Relationship Disclosure Notice / Conflict of Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Non Critical	Credit	[2]   Manufactured House
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $70.66 and annual premium of $846.58. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure / Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of credit life insurance with a monthly payment of $0.00 and annual premium of $5243.97 (paid in full on HUD).  Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   P&I stated and calculated exceeds tolerance 0.05	P&I (933.43) exceeds standard variance (0.05) with calculated P&I (933.3) Current Variance: 0.13
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to, missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of joint credit life insurance with a monthly payment of $123.40 and annual premium of $1480.80. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensed Lenders Regulations Itemized Schedule of Charges
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Consumers Right to Obtain a Security Freeze
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $37.73 and annual premium of $446.83. Insurance is optional. Evidence of single credit disability insurance with a monthly payment of $23.90 and annual premium of $286.60. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Evidence of Single Premium Credit Insurance With Disclosure		Evidence of single credit life insurance with a monthly payment of $51.66 and annual premium of $610.35. Insurance is optional. Evidence of single disability insurance with a monthly payment of $30.78 and annual premium of $369.34. Insurance is optional. Evidence of single involuntary unemployment insurance with a monthly payment of $20.63 and annual premium of $247.60. Insurance is optional.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Application Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing NMLS Unique Identifier # and WA CLA mortgage loan originator’s license number on the application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock Disclosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			NO
XXXXXXX	Critical	Compliance	[3]   TIL Missing			NO
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Fee Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 6/4/2005, loan originated xxxx
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Purchaser-Mortgagor
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $50 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a courier fee of $50 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Property Tax Benefit Disclosure (State Form 51781 (6-04)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Credit	[2]   Original LTV > 125%
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorneys' Fees Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Guarantee Of Loan Program
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Net Tangible Benefit Worksheet
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice Regarding Nonrefundability of Loan Fees
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Non Critical	Compliance	[2]   GFE1 Written list of service providers not given to borrower
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Consumer / UCCC Addendum
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Discrimination Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Nature of Relationship and Notice to Borrower in the Mortgage Loan Originator Disclosure / Addendum to GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Fee Agreement for Financial Services
XXXXXXX	Critical	Compliance	[3]   TIL Incomplete		Final TIL was signed by the borrower at closing, however, reflects estimated APR, finance charges, amount financed and total payment figures.	NO
XXXXXXX	Critical	Credit	[3]   Construction Only Loan
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Credit	[2]   True Construction Loan
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $389.90 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 3/19/1996, loan originated xxxx
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   TIL Incomplete		Final TIL is executed by borrower at closing; however reflects estimated Finance Charge figure.	TESTED
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to error on inspection date. Inspection date marked 1/12/2007, actual  inspection date is 1/12/2008 and report is signed 1/25/2008.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Schedule of Loan Charges
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Information Document
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing

XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $292.43 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing complete itemization of line 1101.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Affidavit
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorneys' Fees Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Net Tangible Benefit Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Written Acknowledgement of Delivery of the Note
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Credit	[2]   Manufactured House
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $689.83 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a closing fee of $600 or a courier fee of $50 as prepaid finance charges.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Expiration of Loan Commitment
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Expiration of Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Pre-Application Disclosure Statement
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Pre-Application Disclosure Statement
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity information.
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Fee Information From Your Mortgage Broker For Your Mortgage Loan
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $137.45 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Escrow Account Disclosure Agreement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $642.74 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Incomplete		Final TIL was signed by the borrower at closing, however, reflects estimated finance charge figures.	TESTED
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   MN Subprime loan		MN Subprime Loan.  Stated APR (7.5794%) exceeds MN Subprime APR threshold for fixed rate loans of 7.54% (3% over applicable t-bill, 4.54%).  Prepayment penalty provisions are prohibited on MN subprime loans as of 8/1/07.  Loan appears to be a compliant MN subprime loan.		No explicit assignee liability but because of the penalties, assignees could be impacted. Private right of action is available for borrowers that are injured (that term is not defined). Courts award the following: Civil penalties not to exceed $10,000 per violation ;Actual, incidental, and consequential damages ;Statutory damages equal to the amount of lender fees included in the loan ;Punitive damages if appropriate ;Court costs and reasonable attorneys fees.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclosre
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Originator Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $1,264.67 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Home Mortgage Loan Informational Document / Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney General Information Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing High Loan to Value Disclosure in the Mortgage Loan Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Escrow of Taxes and Regular Monthly Payment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Statutory Authority Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $389.22 which exceeds the $35 tolerance for rescindable transactions under 1026.23 of Reg Z. Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. There is a lender credit on line 206 of the HUD for $732.50 that is not itemized, therefore, applied to non-APR fees first.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $1,444.32 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Note Incomplete	Note incomplete due to city reflecting xxxx rather than xxxx as stated on the legal description.
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Finance Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Net Tangible Benefit Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Credit	[2]   Original LTV > 125%
XXXXXXX	Critical	Compliance	[3]   Increase in 10% tolerance fees exceeds 10%		HUD 10% tolerance fees increased more than allowed: Total fees subject to 10% tolerance were disclosed in the amount of $1442.50 and the total collected was $1686.50, resulting in an increase of $244 or 16.92%.		RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Expiration of Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower Interest Worksheet
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Origination and Compensation Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mtg Lender Disclosures Required by Atty General Consumer Protection Regulations
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Information or Affidavit of Exemption
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Notice of Housing Counseling and Services disclosure
XXXXXXX	Critical	Compliance	[3]   ROR Incorrect Form - Lender to Lender Not On H9/G9		ROR incorrect form used for lender to lender refinance, H9 or G9 form not used.		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.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Expiration of Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Pre-Application Disclosure Statement
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Information or Affidavit of Exemption
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Finance Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Notice of Housing Counseling and Services disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Net Tangible Benefit Worksheet
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Insurance Disclsoure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing MD Notice of Housing Counseling and Services disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Credit	[3]   Mortgage Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Borrower's Bill of Rights
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Caution and Counseling Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Product Choice / Prepayment Penalty Disclosure
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 6% exceeds the maximum of 5% allowed for the state of Virginia.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Title Protection Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Credit	[2]   Manufactured (Double-Wide)
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Pre-Application Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Addendum to Uniform Residential Loan Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Right to Cancel Private Mortgage Insurance
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Non Critical	Credit	[2]   Negam by Note Design
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			NO
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Amortization Information Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom to Choose / Anti-Coercion Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Consumer Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Critical	Compliance	[3]   APR Tolerance UnderDisclosed 0.125		APR under disclosed by .1398 which exceeds the .125 tolerance.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Choice of Attorney disclosure
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $110 which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Agreement Rider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Banker Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Residential Mortgage Loan Originator Disclosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   State Late Charge Not Standard		Late charge fee of 5% exceeds the max allowed of 2% for the state of New York.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Appraisal and Consumer Report Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Compensation Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclsoure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Expiration of Loan Commitment
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Prevailing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Pre-Application Disclosure Statement
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Fee Agreement for Financial Services
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Origination Dislcosure
XXXXXXX	Critical	Compliance	[3]   HUD-1 Missing			YES
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   TIL Missing			YES
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure / Advance Fee Agreement
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $749.82 which exceeds the $35 tolerance for refinance transactions. TIL itemization did not disclose a settlement fee of $750 as prepaid finance charge.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Borrower's Choice of Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Compensation Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Facts Material to the Borrower’s Decision, Rights or Interests
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Loans that Borrower Qualifies For
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Mortgage Loan Compensation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Summary
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Consumer / UCCC Addendum
XXXXXXX	Critical	Credit	[3]   Appraisal Missing
XXXXXXX	Critical	Credit	[3]   FHA Case Number Assignment Missing
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity information. Initial application missing pages 2 and 4.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Rate Disclosre
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Right to Cancel Private Mortgage Insurance
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Reduction Fee Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Consumer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreements Notice on the Note
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Title Protection Disclosure
XXXXXXX	Critical	Credit	[3]   FHA Case Number Assignment Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $371 which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Initial Application Unsigned
XXXXXXX	Non Critical	Compliance	[2]   State - Missing required broker disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Tangible Net Benefit Disclosure
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal is done subject to completion; however there is no completion cert in file.
XXXXXXX	Critical	Credit	[3]   FHA Case Number Assignment Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice For High Loan to Value Mortgages
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Consumer / UCCC Addendum
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Critical	Credit	[3]   Mortgage/DOT Incomplete	Mortgage incomplete due to missing notary signature date.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Critical	Compliance	[3]   Initial GFE Missing		Missing Initial GFE due to re-disclosure changed circumstance letter dated 02/11/2011 indicating that a previous GFE is being changed. That GFE was not enclosed in the loan file.		RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.
XXXXXXX	Critical	Compliance	[3]   No tolerance fees increased at closing (Transfer Taxes)		No tolerance fees increase: Transfer Taxes increased; most recent GFE dated 02/15/2011 disclosed Transfer taxes as $329.18 increased at closing to $332.47.		RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.
XXXXXXX	Critical	Credit	[3]   Mortgage/DOT Incomplete	Mortgage incomplete due to notary missing date.
XXXXXXX	Non Critical	Compliance	[2]   Violation of SAFE Act/Agency Final Rules Origination Company and/or NMLS ID not printed on credit application - Application date between 1/1/11 and 1/9/14
XXXXXXX	Non Critical	Compliance	[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
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date		Initial GFE dated 05/02/2011 is not within 3 days of application 04/20/2011.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date		Initial TIL dated 05/02/2011 is not within 3 days of application 04/20/2011. Loan is originated and closed by Bank of theWest.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   Violation of SAFE Act/Agency Final Rules Origination Company and/or NMLS ID not printed on credit application - Application date between 1/1/11 and 1/9/14
XXXXXXX	Non Critical	Compliance	[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
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $104.63 which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Incomplete		Initial GFE incomplete due to missing origination entity information.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Incomplete		Initial TIL incomplete due to missing originatin entity information.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Critical	Credit	[3]   FHA Case Number Assignment Missing
XXXXXXX	Non Critical	Compliance	[2]   GFE1 Written list of service providers not given to borrower		Written List of service providers is missing company listing for the pest and survey service that is listed under required services that you can shop for section of GFE
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Critical	Compliance	[3]   APR Tolerance UnderDisclosed 0.125		APR under disclosed by 1.3852 which exceeds the .125 tolerance.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $49,722.15 which exceeds the $100 tolerance for purchase transactions. Final TIL is disclosed incorrectly without MI included in payment.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   Note P&I Does Not Equal Final TIL P&I		The Note reflects P&I of $930.39(+MI $78.19=$1008.58) and the TIL reflects an initial P&I of $930.39. Discrepancy appears to be due to  missing MI error on the final TIL.		TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   MI Missing	Case Query results provided indicate UFMIP was paid, FHA loan, missing MIC.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Letter
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Description of Underwriting Criteria and Required Documentation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Disclosure Statement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Good Faith Estimate
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Addedum stating applicant, if married, may apply for a separate account
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Comparison of Sample Mortgage Features: Typical Mortgage
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Disclosure Statement (DRE)
XXXXXXX	Critical	Credit	[3]   FHA Case Number Assignment Missing
XXXXXXX	Critical	Credit	[3]   MI Missing	Case Query results provided do not indicate UFMIP was paid, FHA loan, missing MIC.
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Consumer Credit Score Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Broker Agreement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Commitment Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Compliance	[3]   APR Tolerance UnderDisclosed 0.125		APR under disclosed by .1318 which exceeds the .125 tolerance.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $100.02 which exceeds the $100 tolerance for purchase transactions. TIL Itemization did not disclose an Underwriting fee of $125 or a Closing fee of $75 as prepaid finance charges.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal incomplete due to missing recertification of value. Appraisal report dated 08/04/1993, loan originated xxxx
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   GFE1 Written list of service providers not given to borrower		Written List of service providers is missing company listing for the pest service that is listed under required services that you can shop for section of GFE
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Consumer / UCCC Addendum
XXXXXXX	Critical	Compliance	[3]   TIL Incomplete		Final TIL incomplete as xxxx did not acknowledge document. Per security instrument xxxx appears to have ownership interest in the property.	NO
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Appraisal is done subject to completion; however there is no completion cert in file.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Disclosure / Notice of Choice of Agent or Insurer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing cautionary notice pursuant to AL Code Section 5-19-6(a) on Note
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Facts Material to the Borrower’s Decision, Rights or Interests
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Loans that Borrower Qualifies For
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom of Choice Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Summary
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest Reduction Fee Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Loan Brokerage Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Consumer
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreements Notice on the Note
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Facts Material to the Borrower’s Decision, Rights or Interests
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Loans that Borrower Qualifies For
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Mortgage Loan Compensation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Summary
XXXXXXX	Critical	Compliance	[3]   TIL Missing			NO
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Terms of Mortgage Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Domestic Partnership Addendum to Uniform Residential Loan Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Agreement Notice
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity information and is not legible.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Incomplete		Initial GFE incomplete due to not being legible.
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Incomplete		Initial TIL incomplete due to not being legible.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Facts Material to the Borrower’s Decision, Rights or Interests
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Loans that Borrower Qualifies For
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Mortgage Loan Compensation
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Freedom of Choice Insurance Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Loan Summary
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $150.92 which exceeds the $100 tolerance for purchase transactions. Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. There is a lender credit of $350 on line 204 of the HUD, however the fee was not charged, therefore, applied to non-APR fees first.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Credit Score Disclosure Not Present
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice For High Loan to Value Mortgages
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Disclosure of Mortgage Loan Compensation
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Acknowledgment of Receipt of Copies of Signed Loan Documents
XXXXXXX	Critical	Credit	[3]   MI Missing	Case Query results provided indicate UFMIP was paid, FHA loan, missing MIC.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Affidavit of Borrower Under Residential Mortgage Act
XXXXXXX	Non Critical	Compliance	[2]   State - Missing GA Foreclosure Disclosure / Notice Pursuant To O.C.G.A. Section 7-1
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Select Attorney Disclosure
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $122.97 which exceeds the $100 tolerance for purchase  transactions. Unable to determine the reason for the under disclosure due to missing the itemization of amount financed. There is a lender credit of $325 on line 204 of the HUD, however the fee was not charged, therefore, applied to non-APR fees first.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   FHA Case Number Assignment Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   MI Missing	Case Query results are not provided to indicate if UFMIP was paid, FHA loan, missing MIC.
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Documentation of Fees paid to Third Parties
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Rate Lock
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Insurance Provider
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $258.39 which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Agency to Receive Borrower Complaints
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney/Insurance Preference Dislcosure
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Compliance	[3]   APR Tolerance UnderDisclosed 0.125		APR under disclosed by .1449 which exceeds the .125 tolerance.		APR - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $1240.91 which exceeds the $100 tolerance under Reg Z.  There is a lender credit on line 207 of the HUD for $2764.97 that is not itemized, therefore, applied to non-APR fees first.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Violation of SAFE Act/Agency Final Rules Origination Company and/or NMLS ID not printed on credit application - Application date between 1/1/11 and 1/9/14
XXXXXXX	Non Critical	Compliance	[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
XXXXXXX	Critical	Compliance	[3]   HUD-1 Estimated		Estimated HUD in file is executed by the borrower and certified by the settlement agent.	YES
XXXXXXX	Critical	Credit	[3]   Escrow Holdback	HUD line 813 reflects  $5200.50 escrow hold back for repairs. Escrow agreement is in file
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interest rate Lock/Float Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Non-Refundable Fee Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Title Protection Disclosure
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice to Consumer / UCCC Addendum
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Interim Interest Disclosure
XXXXXXX	Critical	Credit	[3]   No Net Tangible Benefit To Borrower	Unable to determine net tangible benefit due to missing previous note and/or payoff statement for subject property. Borrower is not paying off any debt at time of closing or receiving more than $2,000 at closing.
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$100 for Purchase		Finance charges under disclosed by $101.15 which exceeds the $100 tolerance for purchase transactions. Unable to determine under disclosure due to missing itemization of amount financed.  There is a lender credit on line 205 of the HUD for $500 that is not itemized, therefore, applied to non-APR fees first.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Compliance	[3]   Finance Charge underdisclosed >$35 for Refinance		Finance charges under disclosed by $78.11 which exceeds the $35 tolerance for refinance transactions. Unable to determine under disclosure due to missing itemization of amount financed.		Finance Charge - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Application Incomplete	Final application incomplete due to missing origination entity information.
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity information.
XXXXXXX	Non Critical	Compliance	[2]   State - Missing  Freedom to Choose Insurance Provider disclosure
XXXXXXX	Critical	Credit	[3]   MI Missing
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Critical	Credit	[3]   FHA Case Number Assignment Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Mortgage Banker Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Penalties for Making False or Misleading Written Statement
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Missing Initial Application
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure / Choice of Agent and Insurer Notice
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Notice of Residential Mortgage Loan Applicants
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Credit	[2]   Combined Orig LTV >100%
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorneys' Fees Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Licensee Information or Affidavit of Exemption
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Right to Choose Attorney or Title Insurance Company
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Wet Settlement / Delivery of Net Proceeds Authorization
XXXXXXX	Critical	Credit	[3]   MI Missing	Case Query results provided do not indicate UFMIP was paid, FHA loan, missing MIC.
XXXXXXX	Critical	Credit	[3]   Final Application Missing
XXXXXXX	Critical	Credit	[3]   Initial Application Incomplete	Initial application incomplete due to missing origination entity information.
XXXXXXX	Non Critical	Compliance	[2]   State -  Missing Broker Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Lock-In Agreement
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Oral Modifications of Credit Agreements / Confirmation of Statements on Note
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Closing Statement / Closing Disclosure
XXXXXXX	Non Critical	Credit	[2]   Only Attorney's Opinion in File
XXXXXXX	Non Critical	Compliance	[2]   HMDA-reportable rate spread (1/1/04-10/1/09)
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Date not within 3 days of Initial Application Date
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Application Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Attorney Disclosure
XXXXXXX	Non Critical	Compliance	[2]   State - Missing Anti-Coercion Notice
XXXXXXX	Critical	Credit	[3]   MI Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Critical	Compliance	[3]   ROR Missing				ROR - 3yrs for rescindable transactions. The loan is outside the SOL.
XXXXXXX	Critical	Credit	[3]   Appraisal Incomplete	Incomplete appraisal due to missing appraisal.  Only final inspection in file.
XXXXXXX	Critical	Credit	[3]   Credit Report Missing
XXXXXXX	Non Critical	Compliance	[2]   Affiliated Business Doc Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial GFE Missing
XXXXXXX	Non Critical	Compliance	[2]   Initial TIL Missing