0000929638-21-000823.txt : 20210610 0000929638-21-000823.hdr.sgml : 20210610 20210610163822 ACCESSION NUMBER: 0000929638-21-000823 CONFORMED SUBMISSION TYPE: ABS-15G PUBLIC DOCUMENT COUNT: 8 CONFORMED PERIOD OF REPORT: 20210610 ITEM INFORMATION: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer FILED AS OF DATE: 20210610 DATE AS OF CHANGE: 20210610 ABS RULE: RULE-15GA2 REGISTERED ENTITY: N ABS ASSET CLASS: Residential mortgages - Prime FILER: COMPANY DATA: COMPANY CONFORMED NAME: Flagstar Mortgage Securities, LLC CENTRAL INDEX KEY: 0001711838 IRS NUMBER: 822016646 STATE OF INCORPORATION: MI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act SEC FILE NUMBER: 025-03418 FILM NUMBER: 211008578 BUSINESS ADDRESS: STREET 1: 5151 CORPORATE DRIVE CITY: TROY STATE: MI ZIP: 48098 BUSINESS PHONE: 248-312-2000 MAIL ADDRESS: STREET 1: 5151 CORPORATE DRIVE CITY: TROY STATE: MI ZIP: 48098 DEPOSITOR: COMPANY DATA: COMPANY CONFORMED NAME: Flagstar Mortgage Securities, LLC CENTRAL INDEX KEY: 0001711838 IRS NUMBER: 822016646 STATE OF INCORPORATION: MI FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: ABS-15G SEC ACT: Dodd Frank Act BUSINESS ADDRESS: STREET 1: 5151 CORPORATE DRIVE CITY: TROY STATE: MI ZIP: 48098 BUSINESS PHONE: 248-312-2000 MAIL ADDRESS: STREET 1: 5151 CORPORATE DRIVE CITY: TROY STATE: MI ZIP: 48098 ABS-15G 1 abs15g.htm
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

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

Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:
___
Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period ______________ to ______________.
Date of Report (Date of earliest event reported): ______________
Commission File Number of securitizer:          ______________

Central Index Key Number of securitizer:      ______________

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

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) [ ]
Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) [ ]
Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) [ ]
_X_            Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001711838
Central Index Key Number of sponsor: N/A

                   Flagstar Mortgage Trust 2021-5INV                    
(Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): 0001865110
Central Index Key Number of underwriter (if applicable): N/A

                James K. Ciroli, (248) 312-2000                
Name and telephone number, including area code, of the person to
contact in connection with this filing.
INFORMATION TO BE INCLUDED IN THE REPORT

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

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



SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Dated: June 10, 2021
 
FLAGSTAR MORTGAGE SECURITIES, LLC (Securitizer)
 
By:            FLAGSTAR BANK, FSB,
                        as Sole Member and Manager
   
   
 
By: /s/ James K. Ciroli                                                                                    
 
Name:     James K. Ciroli
                Title:         Executive Vice President and
                                            Chief Financial Officer                                                      

EXHIBIT INDEX
Exhibit Number

99.1            Canopy Narrative
99.2            Canopy ATR QM Report
99.3            Canopy Data Compare Report
99.4            Canopy Rating Agency Grades Detail Report
99.5            Canopy Rating Agency Grades Summary Report
99.6            Canopy Valuations Report
 EX-99.1 2 exhibit99-1.htm CANOPY NARRATIVE



EXECUTIVE SUMMARY
FSMT 2021-5INV
By Canopy Financial Technology Partners LLC on June 9, 2021




Canopy Financial Technology Partners LLC
info@canopytpr.com | 720-371-8517 | www.canopytpr.com
Address:  128 S Tryon St, Floor 21, Charlotte, NC 28202
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Description of Services
Canopy Financial Technology Partners, LLC (“Canopy”) performed certain due diligence services (the “Review) described below on Agency Eligible Mortgage Loans (“Loans”) backed by residential properties originated or acquired by Flagstar FSB (the “Client”).  The Review was conducted from May 2021 to June 2021 via files imaged and provided by the Client for review.
The Review consisted of a population of Three Hundred Forty-Four (344) Loans. During the review seventeen (17) Loans were dropped, totaling Three Hundred Twenty-Seven (327) Loans with an aggregate principal balance of $86,702,838.

Loan Sampling

The Client defined the sample size and requested Canopy to perform a random sample of the Loans to be included in the Review. To Canopy’s knowledge, the Review covered 15.19% of the transaction loan population.
The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs).

Data Integrity

Canopy performed a data comparison review of the data fields provided by the Client on the loan tape to the data found in the actual Loan file as captured by Canopy.  This comparison, when specific data was available, included the following data fields and tolerance levels noted below.

Field Name for Data Compare
Logic Applied
Original LTV
Apply 1% Tolerance if < 80%
Qualifying DTI
Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance  If DTI >= 43 and AUS = No
Prepayment Penalty Term
No tolerance
Amortized Term
No tolerance
Borrower 1 Self Employed Flag
No tolerance
Combined LTV
Apply 1% Tolerance if < 80%
First Payment Date
No tolerance
Lien Position
No tolerance
Loan Purpose
No tolerance
Margin (ARM Loan)
No tolerance


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Note Interest Only Term
No tolerance
Note Rate
No tolerance
Occupancy Type
No tolerance
Original Appraised Value
No tolerance
Original Balance
No tolerance
Origination Date
No tolerance
Property Type
No tolerance
Loan Program
No tolerance
Sales Price
No tolerance


Credit Underwriting

Canopy reviewed each Loan file to determine the adherence to defined underwriting or credit extension guidelines, standards, criteria or other requirements provided by Flagstar.  For the Loan files, the review of the Automated Underwriting System (AUS) output was also performed.  The Credit Qualification review consisted of the following:

Loan Attributes.  To determine borrower program eligibility, Canopy verified the following loan attributes and, where applicable, re-calculated based on the information provided.

•
Assets and Reserves;
•
DTI;
•
Gross Income;
•
Housing history;
•
Lien Position;
•
Loan Purpose;
•
LTV/CLTV;
•
Monthly debt service;
•
Occupancy;
•
Property Type;
•
Qualifying PITI;  and
•
Residual Income.

Credit Application:  For the Credit Application (1003), Canopy verified whether

•
All known borrower-owned properties are disclosed on the REO Section 2;
•
Borrower(s) employment history ;
•
Citizenship and eligibility;
•
First time home buyer status ;
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•
The application was signed by all borrowers; and
•
The application was substantially completed.

Credit History:  Canopy verified:

•
A credit report or alternative credit history as applicable to loan type is present for each borrower;
•
Bankruptcy and foreclosure seasoning;
•
Capture the monthly consumer debt payments for use in the applicable DTI calculation;
•
Installment and revolving payment history;
•
Mortgage/rental payment history;
•
Note and research the Real Estate Owned, OFAC, and Fraud alerts;
•
Number of tradelines; and
•
Representative Credit Score and Methodology.

Employment and Income:  Canopy determined whether all applicable supporting documentation as required by Seller’s Guidelines and Ability to Repay (“ATR”) when applicable per above were in the file. The documentation was used to verify whether the income used to qualify the loan was calculated in accordance with Seller’s Guidelines.  Documentation verifying employment and income were deemed acceptable if it was a third-party document as required by the Seller’s Guidelines and ATR when applicable per above and may include:

•
Verbal or Written VOE’s;
•
Paystubs;
•
W-2 forms;
•
Tax returns;
•
Financial statements;
•
Award letters;
•
IRS Tax Transcripts (compared to Tax Returns provided by Borrower(s)).

Fraud Review:  For all Loans, Flagstar provided the results from a third-party anti-fraud tool to Vendor.  In accordance with the type of fraud report provided, Canopy utilized the results provided by Flagstar along with information in the loan file, to identify and address any potential misrepresentations including:

•
Borrower identity:

o
Social Security inconsistencies

o
Borrower name variations
•
Employment:
•
Licensing – reviewed NMLS data for:

o
Mortgage lender/originator

o
Loan officer
•
Occupancy:

o
Borrower address history
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 o
Subject property ownership history
•
OFAC.

Asset Review:  Canopy assessed whether the asset documentation required by the Seller’s Guidelines and ATR, when applicable, was present in the Loan file.  Canopy also conducted a review of the reserve calculation, if used to determine ATR or required by the Seller’s Guidelines, including a review of any large deposits.  Canopy re-calculated gross, net, and liquid asset balances.  The Asset Review also consisted of verifying the down payment, closing costs, prepaid items and reserves.  Documentation used to verify assets for down payment, closing costs, prepaid items and reserves may have included:

•
Depository account statements;
•
Gift funds;
•
Settlement statement or other evidence of conveyance and transfer of funds if a sale of assets was involved;
•
Stock or security account statements; and/or
•
VOD’s.

Hazard/Flood insurance/Taxes:  A review of the insurance present on the loan was performed by Canopy as follows:

•
Confirmed that the flood certification is for the correct borrower, property, lender and loan number and is a “Life of Loan” certification;
•
Confirmed that the mortgagee clause lists the lender’s name and “its successors and assigns;”
•
Confirmed that the premium amount on both the hazard and flood insurance match what was used in the DTI calculations;
•
For condominium properties, confirmed that the blanket policy meets the minimum amount of coverage in the guidelines;
•
For properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file and met the minimum required amount of coverage in the guidelines;
•
Reviewed Tax Certificate to verify and compare monthly escrows used to calculate DTI matches and that taxes are current; and
•
Verified that the hazard insurance meets the minimum required amount of coverage in the guidelines.

Automated Underwriting System Findings:  The Loans were reviewed in accordance with applicable Agency Guidelines, and documented to the most recent Agency Underwriting System (“AUS”) finding in the loan file. Canopy confirmed the loan: (i) received an “Approve/Eligible” or “Accept”, based on the most recent AUS in file; and (ii) was documented in accordance with the AUS requirements.

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Document Review

Canopy reviewed each Loan file and verified if the following documents, as applicable, were included in the file and if the data on these documents was consistent (where applicable):
•
Initial application (1003);
•
Final application (1003);
•
Note;
•
Mortgage/Deed of Trust;
•
Appraisal;
•
Sales Contract;
•
Title Commitment/Policy;
•
Junior Lien/Subordination Agreement;
•
Mortgage Insurance;
•
Underwriting Approval Documentation inclusive, but not limited to documents listed in the Credit Review section herein;
•
Flood Certification;
•
Initial and Final Loan Estimate (LE);
•
Initial and Final and Closing Disclosure (CD);
•
Post-Consummation Closing Disclosure (PC-CD) [if applicable].


Business Purpose Validation

For Loans originated as Business Purpose loans (as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act  (“TILA”) [15 U.S.C. 1601 et seq.]), Canopy assessed that the facts and circumstances of the subject loan did not trigger Consumer Purpose classification (also as defined by Regulation Z [12 CFR 1026], and its supporting commentary, the implementing regulation of the Truth-in-Lending Act [15 U.S.C. 1601 et seq.]).

“Missing Document” to Cleared Exception: In the event that there was no express statement in the Loan file, and there was no express evidence in the Loan file that the loan proceeds were used for “Business Purpose” Canopy assigned the file a “D” grade for missing said documentation. In the event that the express statement, or with clear, unequivocal documented evidence of use of loan proceeds for non-consumer, business purpose, was provided by the lender that defines and/or evidences the “primary purpose” of the loan as “business purpose” the “D” grade – “Missing Document”, was cleared by Canopy.

“Missing Document” to “B” Grade: In the event that there was no express statement in the loan file, and there was no express evidence provided that the loan proceeds were used for “Business Purpose”, Canopy gave the file a “D” grade, for missing documentation. In the event that there was not any express statement or evidence of business purpose use of the proceeds, then the “D” grade – “Missing Document” initial finding was re-graded after conducting a full Consumer Purpose, regulatory compliance review, as applicable to assignees for Consumer Purpose loans. In the event that the loan
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did not violate any applicable regulatory compliance obligations, the loan was re-graded as a “B” grade final finding.

“Material Compliance Violation”: In the event that no express statement existed in the loan file, Canopy assessed any and all documentation provided to determine what the actual use of the proceeds were, to best identify that the “primary purpose” of the loan was not in fact for “business purpose” as relied upon by the lender, but is in fact for a “consumer purpose”. If, in fact, evidence existed that the proceeds were used for personal, Consumer Purpose, then Canopy identified that the “primary purpose” of the loan is not “business purpose” and as “consumer purpose” subject to the full Consumer Purpose regulatory compliance obligations of an originator as it applies to an assignee, with a material compliance exception of a “C” grade.

“Material Compliance Violation” to “B” Grade: The above noted Material Compliance Violation was re-graded to a “B” grade by conducting a full Consumer Purpose regulatory compliance review, as applicable to assignees for Consumer Purpose loans, and in the event that the loan did not violate any applicable regulatory compliance obligations, the loan was re-graded as a “B” grade final finding.


Compliance Review

Canopy reviewed each Loan file and, if applicable, verified that it was consummated in compliance with the applicable federal, state, and local anti-predatory lending statutes in effect at the time of origination of the mortgage loan.  Canopy’ review included, but was not limited to, the verification and validation that each mortgage loan met the relevant provisions of:
(i)
Anti-Predatory Lending requirements, that are imposed by federal, state and/or local statutory, regulatory or authoritative determinations (e.g. state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or criminal liability upon the Assignee or may cause significant loss severity to the value of the Loan, including HOEPA and any state and local high-cost home loan laws.  Assignee shall have the meaning as defined in TILA;
(ii)
the Truth in Lending Act (“TILA”), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026;
(iii)
the Real Estate Settlement Procedures Act (“RESPA”), 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024;
(iv)
the Equal Credit Opportunity Act (“ECOA”) , 15 U.S.C. §1691 as implemented by Regulation B, 12 C.F.R. §1001.1(b);

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I.
Compliance Documentation Requirements

a.
Review of the following documents as they related to regulatory compliance:

i.
Initial and final application (1003)

ii.
Note, including all addendums

iii.
Copy of note for any junior liens (if applicable)

iv.
Mortgage / Deed of Trust, including all riders

v.
Initial, Interim, and Final Loan Estimates (“LE”)

vi.
Initial CD (i.e., the CD required to be received by the borrower(s) at least 3 business days prior to consummation) and re-disclosed CDs (as applicable and permitted by TILA/Regulation Z)

vii.
Notice of Right to Cancel (as applicable)

viii.
Rate Lock Date Information;

ix.
HOEPA Disclosures (if applicable)

x.
Initial Escrow Account Disclosure

II.
Anti-Predatory Lending (Assignee Liability)

a.
Loans were reviewed for violations of federal, state & local high cost, higher-priced and/or consumer finance laws and regulations that carry Assignee Liability, including those defined below. Any loan that is determined to be classified and/or defined as high cost, higher-priced, subprime, threshold, predatory high risk, covered or similar classification/definition was reported.

III.
Compliance Testing Elements

a.
Truth-in-Lending Act (TILA) / Regulation Z:  Loans were reviewed to determine compliance with the following requirements of TILA and Regulation Z, including, but not limited to, the following:

i.
TILA/RESPA Integrated Disclosure Testing (“TRID”). A review and comparison of LEs and CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation of disclosed APR and a review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes.  Testing will be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope (“TRID Grid 3.0” v.12/05/2019);

ii.
Right of Rescission.  A review of the TILA Right of Rescission, Notice of Right to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties,
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verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).  The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings;

 iii.
Qualified Mortgage and Ability to Repay.  A review to ensure the mortgage loan meets the applicable Qualified Mortgage (“QM”) and Ability-to-Repay (“ATR”) requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43.  QM and ATR testing is detailed below.

b.
Real Estate Settlement Procedures Act (RESPA)/Regulation X: Review to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership Counselling Organizations).

c.
Equal Credit Opportunity Act (ECOA)/Regulation B:  Confirm compliance with the January 18, 2014 requirements regarding the disclosure of the right to receive a copy of appraisals within three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation and any applicable waiver. The disclosure of the right to receive a copy of appraisals may be met by the disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

d.
Fair Credit Reporting Act (FRCA)/Regulation V:  Confirm compliance with the current FCRA/Regulation V requirements regarding risk-based pricing notice, credit score disclosure and Notice to Home Loan Applicant, as applicable.

e.
Miscellaneous Compliance Testing:

i.
Mandatory Arbitration – Canopy will report mandatory arbitration provisions present in the loan file.

ii.
Single Premium Credit Insurance – Canopy will report single premium credit insurance policies or debt cancellation agreements present in the loan file.

iii.
TPR will test for state prepayment and late charge restrictions. If a prepayment penalty that exceeds the state permitted penalty has expired, this must be reported.

State & Local Anti-Predatory Requirements

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:
•
Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.
•
California Anti-Predatory Lending (“Covered Loan”, Cal. Fin. Code § 4970 et seq.
•
California Higher-Priced Mortgage Loan (“CA HPML”), Cal. Fin. Code §4995 et seq.
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•
Colorado Consumer Equity Protection Act, Colo. Rev. Stat. § 5-3.5-101 et seq.
•
Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-746 et seq. and the Responsible Lending and Economic Security Act, Conn. House Bill 5577 (2008).
•
Connecticut Nonprime Home Loans, Conn. Gen. Stat. §§ 36a-760 et seq. (2008-2009) and (2009-Current)
•
District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. as well as DC Mortgage Disclosure Act of 2007.
•
Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (2002 – 2014).
•
Georgia Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361 and as modified by Senate Bill 03-53).
•
Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq. (2003).
•
Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code § 345.10 et seq. (Repealed)
•
Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003), Ill. Comp. Stat. tit. 815 §§ 137/1 et seq. (2004).
•
Illinois Predatory Lending Database Program, Public Act 95-0691 (SB 1167).
•
City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440; 2-32-455; 2-92-325; 4-4-155; 8-4-325.
•
Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois SB 1167 (2007).
•
Indiana Home Loan Practices Act, as amended by HB 1179 (2005) Ind. Code § 24-9-1 et seq.
•
Kansas Consumer Credit Code, Section 16a-3-308a, Kan. Stat. Ann. § 16a-1-101 et seq. 16.
•
Kentucky Anti-Predatory Lending Statute, as amended by Kentucky House Bill 552 (2008), Ky. Rev. Stat. § 360.100 et seq.
•
Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A Me. Rev. Stat. Ann. §§ 8-103(1); 8-206(8); 8-206A and Maine Legislative Document 1869 (2007), 2125 (2008) and 1439 (2009), and regulation Z-3.
•
Maryland Commercial Law, Mary. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended by Maryland Senate Bill 270 (2008) and Maryland Regulations under the Maryland Mortgage Lender Law (2009).
•
Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.
•
Massachusetts High-Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA House Bill 4387 (2008) 20. Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).
•
Massachusetts “Borrower’s Interest” Standard, M.G.L. Chapter 183, §28C.
•
Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).
•
Massachusetts Regulations for Higher Priced Mortgage Loans, 209 Mass. Code Regs. §§ 32.00 et seq.
•
Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184, §17B.5.
•
Michigan Consumer Mortgage Protection Act, Mich. Stat. Ann. § 445-1631 et seq.
•
Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).
•
Nebraska Mortgage Bankers Registration and Licensing Act, Neb. Stat.§ 45-702 et seq.
•
Nevada Anti-Predatory Lending Law, AB No. 284 (2003), as amended by AB 4 (2007), Nev. Rev. Stat. § 598D.010 et seq.
•
New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq.
•
New Mexico Home Loan Protection Act, SB 449 (2003) and as amended by SB 342 (2009), N.M. Stat. Ann. § 58-21A-1 et seq.
•
New York High-Cost Home Loan Regulations (1A - Original Part 41), 3 NYCCR Part 41 (2001).
•
New York High-Cost Home Loan Act (1B - § 6-l), N.Y. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and as amended by Senate Bill 8143-A (2008).
•
New York Subprime Home Loans, NY Bank. Law § 6-m.
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•
North Carolina Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina Amendments to Anti-Predatory Lending Law, N.C. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) as amended.
•
Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. § 1.63.
•
Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules § 109 4-3-01 et seq.
•
City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.
•
Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004-618, Muni. Code §§ 201.01 et seq.
•
Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).
•
Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9-1 et seq.
•
Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. § 456.501 et seq.
•
City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.
•
Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI Gen. L. et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).
•
South Carolina High-Cost and Consumer Home Loans Act, S.C. Code § 37-23-10 et seq.
•
South Carolina Consumer Protection Code, S.C. Code 37-1-101 et seq.
•
Tennessee Home Loan Protection Act of 2006, TN Code Annotated, Title 47 et seq.
•
Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.
•
The disclosure requirements and prohibitions of Section 50(a)(6) and 50(f)(2) of Article XVI of the Texas Constitution
•
Utah Residential Mortgage Practices Amendments, Utah Code Ann. § 61- 2c-102 et seq.
•
Utah High Cost Home Loan Act, Utah Code § 61-2d-101 et seq.
•
Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.
•
Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), Va. Code Ann. §§ 6.1-413; 6.1-422, 6.1-428.
•
Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), Va. Code Ann. §§ 6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.
•
Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.
•
West Virginia Residential Mortgage Lender, Broker and Servicer Act, W.Va. Code § 31-17-1 et seq.
•
Wisconsin Responsible High Cost Mortgage Lending Act, Wis. Stat. § 428.202.
•
Wyoming Credit Code, Wyo. Stat. Ann. §§ 40-14-101 et seq.

QUALIFIED MORTGAGE (QM)

With respect to QM (Safe Harbor and Rebuttable Presumption) designated loans, Canopy reviews the loan to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest only feature or negative amortization), (ii) the “points and fees” exceed the applicable QM threshold, (iii) the monthly payment was calculated appropriately, (iv) the creditor considered and verified income or assets at or before consummation, (v) the creditor appropriately considered debt obligations, alimony and child support, and (vi) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.
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If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency as permitted under the QM final rule, Canopy reviews the loan to determine whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviews the Automated Underwriting System output within the file to confirm agency eligibility.
For each QM designated loan that satisfied the applicable requirements enumerated above, Canopy then determines whether the loan is a Safe Harbor QM or Rebuttable Presumption QM by comparing the loan’s actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.
ABILITY TO REPAY (ATR)
Canopy reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party records, at or before consummation: (i) the consumer's current or reasonably expected income or assets, (ii) if the creditor relied on income from the consumer's employment in determining repayment ability, the consumer's current employment status; (iii) the consumer's monthly payment; (iv) the consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made; (v) the consumer's monthly payment for mortgage-related obligations; (vi) the consumer's current debt obligations, alimony, and child support; (vii) the consumer's monthly debt-to-income ratio or residual income; and (viii) the consumer's credit history. This portion of the Review also focuses on full recalculation of income and debts, as well as the documentation provided to support each item used in originator’s determination of the ability to repay.
Note: for loans designated as QM – Agency eligible (QM – Temporary), Canopy will not review for compliance with the requirements of Appendix Q or General Ability to Repay.
Canopy reviews loans to determine their conformity with the ATR/QM factors above, and is not rendering an independent assessment or opinion, warranting or representing that a loan will be deemed to conform to Safe Harbor, Rebuttable Presumption, ATR or other status based on any additional or revised factors that may be considered by legislative, regulatory, administrative or judicial authorities (“Authorities”). Canopy does not represent or warrant that the factors for which it is reviewing the loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a loan. Canopy’s review is based on information contained in the loan file at the time it is provided to Canopy to review, and only reflects information as of that point in time.

Valuation Review

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by
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Client.  Additionally, Canopy determined that the appraised value appeared to be reasonably supported (“Value-Supported Analysis”), based on the valuation provided by the Independent Third-party Review.
•
With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser’s license, and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.
•
With respect to USPAP, Canopy confirmed the appraiser’s certification is present and executed within the original appraisal.
INDEPENDENT THIRD-PARTY VALUES
Canopy obtained current valuation products when reviewing the sampled Loan files as described in the valuation methodologies noted below:
Appraisal Waivers: Flagstar informed Canopy of any loans that have an Agency Appraisal Waiver.  For each Appraisal Waiver loan Canopy ordered an AVM.

1.
For each AVM where the confidence level was > 80%:

Original Value

 •
The Original Value was inputted into the respective GSE collateral system.

Comparison

 •
The AVM Value was compared to the Original Value. If the variance between the two values was => -10% the value was considered confirmed.

•
If the was variance was < -10% the process below was followed.

2.
For each AVM where the confidence level was lower than 80% OR where the variance failed the confirmation noted in #1 above:

Original Value

 •
The Original Value was inputted into the respective GSE collateral system.

Comparison

 •
The Exterior Appraisal Value was compared to the Original Value. If the variance between the two values was => -10% the value was considered confirmed.

•
If the is variance was < -10% the loan was excluded from the pool.

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Agency Eligible Loans:
•
For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review was required based on market acceptance of Agency Eligible Loans.
•
For FHLMC loans, if the LCA indicated Collateral Rep and Warrant Relief was Not Eligible, Canopy ordered a Desk Review. If the LCA indicated Collateral Rep and Warrant Relief was Eligible, no additional appraisal review product was required based upon market acceptance of Agency Eligible loans.

Valuation Reconciliation Process:
•
If the Desk Review supported the origination appraised value within a -10% variance, no additional products were required.
•
In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish value.


VALUATION RESULTS SUMMARY
The tables below sets forth the number of Mortgage Loans and valuation of associated properties within the Diligence Sample for which an independent third-party valuation product was produced in accordance with the foregoing process:
Appraisal Waivers
Valuation Product
# of Files – No Hit
# of Files < -10% of OA value OR Confidence <= 80%
# of Files => -10% of OA value
AVM
0
3
26
Exterior Only
0
0
3

•
Of the 29 Appraisal Waiver loans reviewed:

o
26 loans were noted with an AVM supporting the original appraised value within a 10% variance. No additional valuation product was required.

o
3 loans were noted with an AVM supporting the original appraised value outside of a 10% variance OR Confidence Level <=80%. Exterior Only appraisals were ordered.

o
3 loans were noted with an Exterior Only supporting the original appraised value within a 10% variance.

Agency Eligible
# of Files – CU Score <= 2.5
# of Files – Eligible Rep & Warrant Relief
# of Files < -10% of OA valued (Desk Review)
# of Files => -10% of OA valued (Desk Review)
116
39
0
143


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•
Of the 298 Agency Eligible loans reviewed:

o
116 loans were noted with a CU Score equal to or less than 2.5. No additional valuation product was required.

o
39 loans were noted with a Collateral Rep and Warrant Relief indicator of Eligible. No additional valuation product was required.

o
143 loans were noted with a Desk Review supporting the original appraised value within a 10% variance.


GRADING COMPONENTS


Due Diligence Grading Criteria

Upon completion of the loan file review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.
The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E.

Final Event Grade
A
Loan meets Credit, Compliance, and Valuation Guidelines.
B
The loan substantially meets published Client/Seller guidelines and/or eligibility in the validation of income, assets, or credit, is in material compliance with all applicable laws and regulations, and the value and valuation methodology is supported and substantially meets published guidelines.
C
The loan does not meet the published guidelines and/or violates one material law or regulation, and/or the value and valuation methodology is not supported or did not meet published guidelines.
D
Loan is missing documentation to perform a sufficient review.

Credit Event Grades
A
The loan meets the published guidelines without any exceptions. The employment, income, assets, and occupancy are supported and justifiable. The borrower’s willingness and ability to repay the loan is documented and reasonable.
B
The loan substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding published guidelines.  The employment, income, assets and occupancy are supported and justifiable.  The borrower’s willingness and ability to repay the loan is documented and reasonable.

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C
The loan does not substantially meet the published guidelines.  There are not sufficient compensating factors that justify exceeding the published guidelines.  The employment, income, assets or occupancy are not supported and justifiable.  The borrower’s willingness and ability to repay the loan were not documented or are unreasonable.
D
 
There was not sufficient documentation to perform a review or the credit file was not furnished.

Compliance Event Grades
A
The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties.
B
The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required.
C
The loan violates one material law or regulation.  The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents.
D
 There was not sufficient documentation to perform a review or the required legal documents were not furnished.


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Valuation Event Grade
A
The value is supported within 10% of the original appraisal by supporting documents (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination.  The appraiser was appropriately licensed and used GSE approved forms.
B
The value is not supported within 10% of the original appraisal by supporting documents and there are no other valuation support documents provided.  The valuation methodology substantially meets the published guidelines, but reasonable compensating factors were considered and documented for exceeding guidelines.  The appraisal was performed on an "as-is" basis and the property is complete and habitable.  The appraiser was appropriately licensed and used GSE approved forms.
C
The value is not supported within 10% of the original appraisal.  The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines.  The property is in below “average” condition or the property is not complete or requires significant repairs.  The appraisal was not performed on an “as is” basis.  The appraiser was not appropriately licensed or did not use GSE approved forms
D
 The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.



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FINDINGS SUMMARY


Summary Overview

Canopy’s review concluded the grading of the Credit, Property/Valuation, and Compliance sections.  25.99% (85 loans) have an overall grade of “B” and 74.01% (242 loans) have an overall grade of “A”.
Canopy’s review concluded a Credit grade of “B” for eight (8) mortgage loans reviewed and 97.55% (319 loans) have a Credit grade of “A”.
Canopy’s review concluded a Compliance grade of “B” for fifty-two (52) mortgage loans reviewed and 84.10% (275 loans) have a Compliance grade of “A”.
Canopy’s review concluded a Property/Valuation grade of “B” for twenty-nine (29) mortgage loans reviewed and 91.13% (298 loans) have a Property/Valuation grade of “A”.

FINDINGS TABLE


REVIEW TABLES

OVERALL REVIEW RESULTS
Final Grade
Loan Count
% of Sample
A
242
74.01%
B
85
25.99%
C
0
0.00%
D
0
0.00%
Grand Total
327
100.00%

CREDIT REVIEW RESULTS
Final Grade
Loan Count
% of Sample
A
319
97.55%
B
8
2.45%
C
0
0.00%
D
0
0.00%
Grand Total
327
100.00%


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PROPERTY REVIEW RESULTS
Final Grade
Loan Count
% of Sample
A
298
91.13%
B
29
8.87%
C
0
0.00%
D
0
0.00%
Grand Total
327
100.00%

COMPLIANCE REVIEW RESULTS
Final Grade
Loan Count
% of Sample
A
275
84.10%
B
52
15.90%
C
0
0.00%
D
0
0.00%
Grand Total
327
100.00%

Additional Loan Summary Details
Amortization Type
Loan Count
% of Loans
Original Balance
Fixed
327
100.00%
$86,702,838.00
ARM
0
0.00%
$0.00
Total
327
100.00%
$86,702,838.00

Lien Position
Loan Count
% of Loans
Original Balance
First
327
100.00%
$86,702,838.00
Second
0
0.00%
$0.00
Total
327
100.00%
$86,702,838.00

Loan Purpose
Loan Count
% of Loans
Original Balance
Cash Out:  Debt Consolidation
9
2.75%
$3,594,850.00
Cash Out:  Home Improvement/Renovation
7
2.14%
$2,014,400.00
Cash Out:  Other/Multi-Purpose/Unknown Purpose
76
23.24%
$20,739,018.00
First Time Home Purchase
9
2.75%
$2,192,820.00
Other Than First Time Home Purchase
113
34.56%
$28,161,743.00
Rate/Term Refinance - Lender Initiated
113
34.56%
$30,000,007.00
Total
327
100.00%
$86,702,838.00

Original Term
Loan Count
% of Loans
Original Balance
121 - 180 Months
0
0.00%
$0.00
181 - 240 Months
0
0.00%
$0.00


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241 - 300 Months
1
0.31%
$166,000.00
301 - 360 Months
326
99.69%
$86,536,838.00
Total
327
100.00%
$86,702,838.00

Occupancy
Loan Count
% of Loans
Original Balance
Owner Occupied
0
0.00%
$0.00
Second Home
0
0.00%
$0.00
Investment Property
327
100.00%
$86,702,838.00
Total
327
100.00%
$86,702,838.00


DATA COMPARISON RESULTS

Of the three hundred twenty-seven (327) mortgage loan files reviewed, twenty-seven (31) unique loans (9.48% by number) had thirty-two (32) tape comparison discrepancies across 8 data fields.
Field Label
# Loans with Discrepancy
Total Times Compared
% Variance
Qualifying LTV
1
327
0.31%
Qualifying Total Debt Income Ratio
7
327
2.14%
Prepayment Penalty Term
0
327
0.00%
Amortized Term
0
327
0.00%
Borrower 1 Self Employed Flag
10
327
3.06%
Qualifying CLTV
2
327
0.61%
First Payment Date
0
327
0.00%
Lien Position
0
327
0.00%
Loan Purpose
7
327
2.14%
Margin (ARM Loan)
0
327
0.00%
Note Interest Only Term
0
327
0.00%
Note Rate
0
327
0.00%
Occupancy Type
0
327
0.00%
Original Appraised Value
0
327
0.00%
Original Balance
0
327
0.00%
Origination Date
1
327
0.31%
Property Type
3
327
0.92%
Loan Program
0
327
0.00%
Sales Price
1
327
0.31%



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Disclaimer
Canopy Financial Technology Partners, LLC (“the Company”) performs due diligence reviews for Residential Mortgage-Backed Securities, as well as, assets, collateral, counterparty operations, and similar diligence reviews in the consumer finance industry.  In issuing reports and maintaining the ratings provided for herein, the Company relies on factual information it receives from issuers, underwriters, and from other sources which the Company reasonably believes to be credible.  The Company conducts reasonable investigation of the factual information relied upon by it in accordance with its ratings methodology.  The Company also makes reasonably good faith attempts to verify the information from independent sources (to the extent such sources are available).
Ratings, analysis, reports, and other opinions (referred to collectively as “Reports”) issued by the Company are provided “as is” and without representation or warranty of any kind.  The Company hereby disclaims any representation or warranty (whether express or implied) as to accuracy, completeness, merchantability, or fitness for a particular purpose.  Reports are not a recommendation to buy, sell, or retain any security.  All reports are deemed jointly prepared and no individual shall be exclusively deemed the “author” of any Report.  Individuals identified in a Report were involved in, but are not solely responsible for, the contents of any Report.
Unless expressly stated otherwise, Reports do not assess any risk other than credit risk.  In particular, any rating or grading in a Report does not take into consideration the risk of any security (or any portion thereof) due to changes in market conditions.
The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such.  Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party.  Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.  Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate.  Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.
Reports may contain assumptions and/or predictions regarding future events which are “forward-looking” and inherently cannot be verified as facts.  Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made.  Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report’s assumptions and/or conclusions.  As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.
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 EX-99.2 3 exhibit99-2.htm CANOPY ATR QM REPORT

Loan ID
Investor Loan ID
Seller Loan ID
Lender Application Date
Originator QM Status
Final QM Status
Originator QM Status Difference than Final QM Status?
Reason Why NonQM Final Status
QM DTI Threshold Met?
Higher Priced Mortgage Loan (HPML)?
Negatively Amortizing Loan?
Principal Deferment?
Interest Only Flag?
Prepayment Penalty?
Balloon Flag?
Adjustable Rate Balloon?
Loan Term Less Than 5 Years?
QM Points and Fees Threshold Exceeded?
QM Total Points and Fees
APR
ATR: Qualifying Payment Properly Considered?
ATR: Current Employment/Self-Employment Verified?
ATR: Balloon Qualifying Payment Properly Considered?
ATR: Reasonable Income or Assets Considered?
ATR: Subject PITIA Adequately Documented?
ATR: All Liabilities Including Alimony and Child Support in DTI?
ATR: Simultaneous Loan Calculated Properly
ATR: Credit History was Considered Properly?
ATR: Did Lender Document All ATR Factors?
ATR: Was an ATR/QM Residual Income Analysis Provided?
Residual Income
Residual Income Meets Guidelines?
Borrower 1 Employment Indicator
Borrower 2 Employment Indicator
Borrower 1 Foreign National Indicator
Borrower 2 Foreign National Indicator
Business Purpose Loan?
Business Purpose Verified?
494419356
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494534946
    
11-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Employed
No
No
Yes
N/A
494441189
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494435484
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494444334
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494424779
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494424750
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494442720
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494446855
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494480633
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494435906
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494506712
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494481326
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494445784
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
Yes
N/A
494430607
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494452961
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494454221
    
06-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494508881
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494435878
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494430964
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494440711
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494418664
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494431676
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
Yes
N/A
494436185
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494444548
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494428974
    
11-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494495637
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494460051
    
04-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494458730
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494440427
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494453173
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494426169
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494452146
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494450543
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494431956
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494450363
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494442641
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494513156
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494424415
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494479796
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Employed
No
No
Yes
N/A
494437913
    
04-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494450066
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494461652
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494430187
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494502874
    
10-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
Yes
N/A
494443034
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494440175
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494452832
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494451331
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494450473
    
02-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494423151
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494446894
    
11-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494474233
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494425996
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494478607
    
11-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494441126
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
Yes
N/A
494458490
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494439947
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494450018
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494439053
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494441781
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494424301
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494442829
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494467219
    
02-XX-2021
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
N/A
Yes
No
No
No
No
No
No
No
No
No
5960.40
3.459
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
No
Present
494423515
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494423572
    
09-XX-2020
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
N/A
Yes
No
No
No
No
No
No
No
No
No
1682.50
3.561
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Present
494446344
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494461330
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494487705
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494443941
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494428548
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494446605
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494561873
    
10-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Employed
No
No
Yes
N/A
494440425
    
10-XX-2020
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
N/A
Yes
No
No
No
No
No
No
No
No
No
995.00
2.956
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Present
494440760
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494442731
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494423482
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494430849
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494456477
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494465409
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494437272
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494450607
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494480086
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494426113
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494441996
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494437105
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494451631
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494445897
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494442565
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494419152
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494441009
    
10-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494507802
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494444695
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Retired
No
No
Yes
N/A
494470816
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494451653
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494459665
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494482877
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494445430
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494454310
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494451293
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494435536
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494439854
    
11-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494452051
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494440428
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494425204
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Employed
No
No
Yes
N/A
494436883
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494467173
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494438653
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494441094
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494451244
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Retired
No
No
Yes
N/A
494435996
    
11-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494423564
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494511953
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494440948
    
11-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494465142
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494454222
    
06-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494448844
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494490506
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494438994
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494422138
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494430139
    
05-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494489440
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494448527
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494437349
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494500479
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494436067
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494435931
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494452429
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494447392
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494438725
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494468740
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
  
No
  
Yes
N/A
494434729
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494433853
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494449933
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494431795
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494444776
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494444608
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494440423
    
10-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494477262
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494438162
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494435384
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494434897
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494437023
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494430391
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Employed
No
No
Yes
N/A
494469827
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494423149
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494482802
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
  
No
  
Yes
N/A
494440450
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494443344
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494446853
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494500485
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494443622
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494430459
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494441706
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494444698
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494443931
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494460370
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494439785
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494439580
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494444842
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Employed
No
No
Yes
N/A
494467801
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494438174
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494444487
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494483627
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494481282
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494435614
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494461937
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494448166
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494443900
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494439590
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494439989
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494442828
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494435752
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494489646
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494468280
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
  
No
  
Yes
N/A
494430462
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494439495
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494529804
    
11-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494438641
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494463675
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494430805
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494451616
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494453992
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494432963
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494423884
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494450291
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494428151
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494433711
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494443357
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494427036
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494435997
    
09-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494440820
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494437339
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494443845
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494430121
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494451136
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494462949
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494429290
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494449118
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494430922
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494429049
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494424499
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494458986
    
11-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494443778
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Employed
No
No
Yes
N/A
494500306
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494434965
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Retired
No
No
Yes
N/A
494485785
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494448305
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494439897
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494430136
    
10-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494453199
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494439054
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494423535
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494459699
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494436279
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494440922
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494430392
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494499022
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494428446
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494443908
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494432887
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Retired
No
No
Yes
N/A
494478272
    
04-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494429923
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494431403
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494424447
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494443601
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494444793
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494432010
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494513313
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494461333
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494535029
    
11-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
Yes
N/A
494523164
    
11-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494441769
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494431863
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494464718
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494431447
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Retired
No
No
Yes
N/A
494442554
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494433510
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494438915
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494435845
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494436305
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494438662
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Employed
No
No
Yes
N/A
494454951
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494438315
    
04-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494468566
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494458034
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494441785
    
11-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494430753
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494453742
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494444141
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494438595
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494473614
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494441127
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494428356
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494463695
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494469421
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494451282
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494460428
    
12-XX-2020
QM: GSE Temporary QM - SH
QM: GSE Temporary QM - SH
No
N/A
Yes
No
No
No
No
No
No
No
No
No
1445.00
3.450
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
No
Present
494440738
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494446462
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494440745
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494434340
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494439591
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Retired
No
No
Yes
N/A
494484747
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494429320
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494435995
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494430182
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494424997
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494434694
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494450135
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494441730
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494435616
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494439683
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494450175
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494430539
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494437133
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494461617
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494431457
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494419008
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494516161
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494503355
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494445609
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494469422
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494434659
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494421247
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494431733
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494438798
    
09-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494477617
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494447916
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Retired
No
No
Yes
N/A
494440781
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494450745
    
09-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494513177
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Employed
No
No
Yes
N/A
494451899
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
Employed
No
No
Yes
N/A
494440973
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494482241
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494453899
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494445629
    
10-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Retired
  
No
  
Yes
N/A
494439398
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494430120
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494474641
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494435751
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494441107
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494440452
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
  
No
  
Yes
N/A
494450505
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494439647
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Not Employed
No
No
Yes
N/A
494427305
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494498831
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494431674
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494444459
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494459830
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Not Employed
No
No
Yes
N/A
494438753
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494477862
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494445626
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494444645
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
Yes
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494520840
    
12-XX-2020
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494443512
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Retired
No
No
Yes
N/A
494481354
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494427918
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494473945
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494469228
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494419296
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494438877
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
Employed
No
No
Yes
N/A
494422433
    
03-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494468205
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494492391
    
01-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Not Employed
Not Employed
No
No
Yes
N/A
494436990
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A
494442968
    
02-XX-2021
ATR/QM: Not Applicable
ATR/QM: Not Applicable
No
N/A
N/A
N/A
No
No
No
No
No
No
No
N/A
    
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
  
N/A
Employed
  
No
  
Yes
N/A

EX-99.3 4 exhibit99-3.htm CANOPY DATA COMPARE REPORT

Loan ID
Transaction ID
Field Name
Verified Value
Bid Tape Value
494470816
FSMT 2021-5INV
Borrower 1 Self-Employment Flag
1
0
494469827
FSMT 2021-5INV
Sales Price
XXX
XXX
494469827
FSMT 2021-5INV
Qualifying CLTV
58.9
59.72
494469827
FSMT 2021-5INV
Qualifying LTV
58.9
59.72
494467173
FSMT 2021-5INV
Property Type
4
3
494461617
FSMT 2021-5INV
Borrower 1 Self-Employment Flag
0
1
494454310
FSMT 2021-5INV
Loan Purpose
7
6
494453173
FSMT 2021-5INV
Borrower 1 Self-Employment Flag
1
0
494452146
FSMT 2021-5INV
Qualifying Total Debt Income Ratio
30.47
26.5182
494450066
FSMT 2021-5INV
Loan Purpose
7
6
494448844
FSMT 2021-5INV
Loan Purpose
7
6
494448166
FSMT 2021-5INV
Qualifying Total Debt Income Ratio
42.64
39.8793
494446605
FSMT 2021-5INV
Loan Purpose
7
6
494445626
FSMT 2021-5INV
Borrower 1 Self-Employment Flag
1
0
494444695
FSMT 2021-5INV
Loan Purpose
3
8
494444608
FSMT 2021-5INV
Borrower 1 Self-Employment Flag
1
0
494444487
FSMT 2021-5INV
Qualifying Total Debt Income Ratio
35.51
32.8448
494443941
FSMT 2021-5INV
Qualifying CLTV
71.01
71.23
494443845
FSMT 2021-5INV
Borrower 1 Self-Employment Flag
1
0
494443512
FSMT 2021-5INV
Borrower 1 Self-Employment Flag
1
0
494443357
FSMT 2021-5INV
Qualifying Total Debt Income Ratio
44.98
42.1864
494443344
FSMT 2021-5INV
Loan Purpose
7
6
494442641
FSMT 2021-5INV
Qualifying Total Debt Income Ratio
44.46
39.8552
494441769
FSMT 2021-5INV
Borrower 1 Self-Employment Flag
1
0
494440820
FSMT 2021-5INV
Loan Purpose
7
6
494440745
FSMT 2021-5INV
Qualifying Total Debt Income Ratio
43.12
39.0214
494440428
FSMT 2021-5INV
Property Type
12
7
494435995
FSMT 2021-5INV
Origination Date
3/22/201
3/23/2021
494433711
FSMT 2021-5INV
Qualifying Total Debt Income Ratio
31.39
19.1621
494428151
FSMT 2021-5INV
Borrower 1 Self-Employment Flag
1
0
494426113
FSMT 2021-5INV
Borrower 1 Self-Employment Flag
1
0
494424499
FSMT 2021-5INV
Property Type
4
3
EX-99.4 5 exhibit99-4.htm CANOPY RATING AGENCY GRADES DETAIL REPORT

Loan ID
Seller Loan ID
Investor Loan ID
Overall Initial Loan Grade
Overall Final Loan Grade
Credit Initial Loan Grade
Credit Current/Final Loan Grade
Compliance Initial Loan Grade
Compliance Current/Final Loan Grade
Property Initial Loan Grade
Property Current/Final Loan Grade
Queue
Finding Code
Date Created
Date Modified
Finding Status
Finding Event Level
Initial Finding Grade
Current/Final Finding Grade
Finding Category
Finding Sub Category
Finding Name
Finding Comments
Seller Comments
Resolution Comments
Comp Factors
Finding Documents
Originator QM Status
Final Reviewed QM Status
Loan Amount
Property State
Occupancy
Loan Purpose
Refinance Purpose
494561873
    
C
B
A
A
B
B
C
A
Closed
FPRO5405
2021-05-23 21:33
2021-06-01 20:01
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/23/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$206,250.00
MI
Investment
Refinance
Cash Out - Other
494561873
    
C
B
A
A
B
B
C
A
Closed
FCOM8844
2021-05-23 21:22
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/24/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file.
 - Due Diligence Vendor-05/23/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$206,250.00
MI
Investment
Refinance
Cash Out - Other
494535029
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-26 19:22
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3). Desk review pending. - Due Diligence Vendor-05/26/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$150,900.00
CA
Investment
Refinance
Rate and Term
494534946
    
D
A
A
A
D
A
D
A
Closed
FPRO1244
2021-05-19 18:35
2021-05-30 04:22
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-Desk review required to validate value within a 10% variance. - Due Diligence Vendor-05/20/2021
  
 
 Resolved-Desk review provided with a value of XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$250,000.00
CA
Investment
Refinance
Cash Out - Other
494534946
    
D
A
A
A
D
A
D
A
Closed
FCOM1544
2021-05-24 18:46
2021-05-30 04:21
Resolved
3 - Material
D
A
Compliance
Missing Doc - CD
TRID: Missing Final Closing Disclosure
 
Resolved-Final CD provided. - Due Diligence Vendor-05/25/2021
Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-05/25/2021
Ready for Review-Final Closing Disclosure found in file. Final CD and Final Settlement Statement have been uploaded. - Seller-05/24/2021
Open-TRID: Missing Final Closing Disclosure.  Total Closing Costs and Cash Out input per enclosed Post Close CD. - Due Diligence Vendor-05/19/2021
Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-05/19/2021
Open-Loan is cash out on investment property. File contains no letter from borrower to confirm business use of proceeds. Final CD required to determine QM Compliance. - Due Diligence Vendor-05/19/2021
Ready for Review-Final Closing Disclosure found in file. Final CD and Final Settlement Statement have been uploaded. - Seller-05/24/2021
 
 
 Resolved-Final CD provided. - Due Diligence Vendor-05/25/2021
 
  
 XXX - Final Settlement Statement.pdf
 XXX - Final Closing Disclosure.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$250,000.00
CA
Investment
Refinance
Cash Out - Other
494534946
    
D
A
A
A
D
A
D
A
Closed
FCOM7646
2021-05-24 18:45
2021-05-30 04:21
Resolved
3 - Material
C
A
Compliance
QM-ATR
Originator QM Designation Differs From Final QM Status
 
Resolved-Final CD provided. - Due Diligence Vendor-05/25/2021
Resolved-Originator QM Designation Of ATR/QM: Not Applicable Matches Final QM Status Of ATR/QM: Not Applicable - Due Diligence Vendor-05/25/2021
Ready for Review-Final Closing Disclosure found in file. Final CD and Final Settlement Statement have been uploaded. - Seller-05/24/2021
Open-Originator QM Designation Of ATR/QM: Not Applicable Differs From Final QM Status Of ATR/QM: Status Pending. Pending receipt of Final CD to determine QM status - Due Diligence Vendor-05/20/2021
Open-Pending receipt of Final CD to determine QM status - Due Diligence Vendor-05/19/2021
Open-Originator QM Designation Of ATR/QM: Not Applicable Differs From Final QM Status Of ATR/QM: Status Pending - Due Diligence Vendor-05/19/2021
Ready for Review-Final Closing Disclosure found in file. Final CD and Final Settlement Statement have been uploaded. - Seller-05/24/2021
 
 
 
 Resolved-Final CD provided. - Due Diligence Vendor-05/25/2021
 Resolved-Originator QM Designation Of ATR/QM: Not Applicable Matches Final QM Status Of ATR/QM: Not Applicable - Due Diligence Vendor-05/25/2021
 
  
 XXX - Final Settlement Statement.pdf
 XXX - Final Closing Disclosure.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$250,000.00
CA
Investment
Refinance
Cash Out - Other
494529804
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$165,000.00
VA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494523164
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$85,000.00
AZ
Investment
Refinance
Cash Out - Other
494520840
    
D
A
C
A
D
A
C
A
Closed
FCOM1544
2021-06-04 16:49
2021-06-05 03:09
Resolved
3 - Material
D
A
Compliance
Missing Doc - CD
TRID: Missing Final Closing Disclosure
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/05/2021
Ready for Review-CD Signed at Closing - Seller-06/04/2021
Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-06/01/2021
Ready for Review-CD Signed at Closing - Seller-06/04/2021
 
 
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/05/2021
 
 
  
XXX CD.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$336,000.00
CA
Investment
Refinance
Rate and Term
494520840
    
D
A
C
A
D
A
C
A
Closed
FCRE1168
2021-06-02 17:30
2021-06-02 17:47
Resolved
3 - Material
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-RCE provided showing adequate coverage was obtained. - Due Diligence Vendor-06/02/2021
 
Ready for Review-Replacement cost estimator attached - Seller-06/02/2021
 
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $283750.00 is less than all Subject Lien(s). - Due Diligence Vendor-06/01/2021
 
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $283750.00 is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $0 - Due Diligence Vendor-06/01/2021
 
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $283750.00 is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $0 - Due Diligence Vendor-06/01/2021
Ready for Review-Replacement cost estimator attached - Seller-06/02/2021
 
 
Resolved-RCE provided showing adequate coverage was obtained. - Due Diligence Vendor-06/02/2021
 
 
  
14943 cost estimator.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$336,000.00
CA
Investment
Refinance
Rate and Term
494520840
    
D
A
C
A
D
A
C
A
Closed
FPRO5405
2021-06-01 15:42
2021-06-01 19:46
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-06/01/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$336,000.00
CA
Investment
Refinance
Rate and Term
494516161
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-20 19:13
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/22/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/22/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$261,000.00
CA
Investment
Refinance
Rate and Term
494513313
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$165,000.00
NV
Investment
Refinance
Rate and Term
494513177
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$157,000.00
AL
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494513156
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$400,000.00
CA
Investment
Refinance
Rate and Term
494511953
    
D
A
D
A
A
A
C
A
Closed
FCRE1316
2021-06-04 12:32
2021-06-05 03:18
Resolved
1 - Information
D
A
Credit
Missing Doc - Employment
Borrower 1 3rd Party VOE Prior to Close Missing
Resolved-B1 VOE prior to consummation provided. - Due Diligence Vendor-06/05/2021
 
Ready for Review-See attached verbal VOE. - Seller-06/04/2021
 
Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/22/2021
Ready for Review-See attached verbal VOE. - Seller-06/04/2021
 
 
Resolved-B1 VOE prior to consummation provided. - Due Diligence Vendor-06/05/2021
 
 
  
XXX__VOE.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$165,000.00
FL
Investment
Refinance
Rate and Term
494511953
    
D
A
D
A
A
A
C
A
Closed
FCRE1346
2021-05-26 19:52
2021-06-02 16:52
Resolved
3 - Material
D
A
Credit
Missing Doc - Income
Borrower 1 1040 Schedule E Missing
Resolved-Provided as conditioned. - Due Diligence Vendor-06/02/2021
Ready for Review-See attached 2019 1040 - Seller-05/26/2021
Open-Borrower 1 1040 Schedule E Missing - Due Diligence Vendor-05/25/2021
Open-Borrower 1 1040 Schedule E Missing - Due Diligence Vendor-05/24/2021
Open-Borrower 1 1040 Schedule E Missing. The 2019 1040 tax returns are illegible appears to be an imaging issue with the file provided. Unable to verify rental income.   - Due Diligence Vendor-05/22/2021
 Ready for Review-See attached 2019 1040 - Seller-05/26/2021
 
Resolved-Provided as conditioned. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_XXX  1040.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$165,000.00
FL
Investment
Refinance
Rate and Term
494511953
    
D
A
D
A
A
A
C
A
Closed
FCRE1437
2021-05-26 19:32
2021-06-02 16:51
Resolved
3 - Material
C
A
Credit
Income
Income and Employment Do Not Meet Guidelines
Resolved-Provided as conditioned and is reflected as qualified. - Due Diligence Vendor-06/02/2021
Ready for Review-See attached 2019 SCH E, T&I for REO  - Seller-05/26/2021
Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-05/24/2021
Open-Income and Employment Do Not Meet Guidelines. Unable to verify rental income due to illegible Schedule E for year 2019 and whether borrower was employed at the time of closing. In addition, missing T&I information for the following properties: XXX  - Due Diligence Vendor-05/22/2021
Ready for Review-See attached 2019 SCH E, T&I for REO  - Seller-05/26/2021
 
Resolved-Provided as conditioned and is reflected as qualified. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_XXX 536 tax.pdf
XXX_XXX  Tax XXX.pdf
XXX_XXX  7200 tax XXX.pdf
XXX_XXX SCH E.pdf
XXX_XXX 536 XXX.pdf
XXX_XXX 2164 tax XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$165,000.00
FL
Investment
Refinance
Rate and Term
494511953
    
D
A
D
A
A
A
C
A
Closed
FPRO5405
2021-05-25 14:36
2021-06-02 01:17
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/25/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$165,000.00
FL
Investment
Refinance
Rate and Term
494508881
    
D
B
A
A
D
B
A
A
Closed
FCOM1229
2021-05-21 13:34
2021-05-30 04:50
Resolved
3 - Material
D
A
Compliance
Missing Doc - Closing Package
1-4 Family Rider is Missing
Resolved-1-4 Rider provided. - Due Diligence Vendor-05/22/2021
Ready for Review-Mortgage certified copy has been provided and uploaded. - Seller-05/21/2021
Open-Mortgage is missing including any riders. - Due Diligence Vendor-05/19/2021
Open-1-4 Family Rider is Missing - Due Diligence Vendor-05/18/2021
Open-1-4 Family Rider is Missing.  File is missing the mortgage. - Due Diligence Vendor-05/18/2021
Ready for Review-Mortgage certified copy has been provided and uploaded. - Seller-05/21/2021
 
 
Resolved-1-4 Rider provided. - Due Diligence Vendor-05/22/2021
 
  
XXX XXX - Mortgage Certified Copy.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$112,500.00
NJ
Investment
Refinance
Cash Out - Other
494508881
    
D
B
A
A
D
B
A
A
Closed
FCOM8844
2021-05-18 18:13
2021-05-30 04:47
Acknowledged
2 - Non-Material
D
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/19/2021
Open-CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).  - Due Diligence Vendor-05/18/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/19/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$112,500.00
NJ
Investment
Refinance
Cash Out - Other
494507802
    
D
B
A
A
D
B
C
A
Closed
FCOM1544
2021-05-27 17:10
2021-06-01 19:33
Resolved
1 - Information
D
A
Compliance
Missing Doc - CD
TRID: Missing Final Closing Disclosure
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence
Ready for Review-CD signed at closing - Seller-05/27/2021
Open-TRID: Missing Final Closing Disclosure. Post Close CD was provided. - Due Diligence Vendor-05/25/2021
Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-05/25/2021
Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-05/21/2021
 Ready for Review-CD signed at closing - Seller-05/27/2021
 
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/01/2021
 
 
  
CD XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$412,500.00
CA
Investment
Refinance
Cash Out - Other
494507802
    
D
B
A
A
D
B
C
A
Closed
finding-3732
2021-05-27 17:11
2021-06-01 17:03
Resolved
3 - Material
C
A
Compliance
TRID
TRID Total of Payments Test
Resolved-Final CD provided. - Due Diligence Vendor-06/01/2021
Ready for Review-Disagree-uploaded CD signed at closing - Seller-05/27/2021
Open-Pending receipt of final CD. - Due Diligence Vendor-05/25/2021
Open-This loan failed the TRID total of payments test. ( 12 CFR §1026.18(d)(1) )The total of payments is $670,615.12. The disclosed total of payments of $669,709.27 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-05/25/2021
 Ready for Review-Disagree-uploaded CD signed at closing - Seller-05/27/2021
 
Resolved-Final CD provided. - Due Diligence Vendor-06/01/2021
 
 
 
 
  
CD XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$412,500.00
CA
Investment
Refinance
Cash Out - Other
494507802
    
D
B
A
A
D
B
C
A
Closed
finding-651
2021-05-27 17:11
2021-06-01 17:03
Resolved
3 - Material
C
A
Compliance
Points & Fees
TILA Finance Charge Test
Resolved-Final CD provided. - Due Diligence Vendor-06/01/2021
Ready for Review-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is $257,115.12. The disclosed finance charge of  $157,315.12 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-06/01/2021
Ready for Review-Disagree-uploaded CD signed at closing - Seller-05/27/2021
Open-Pending receipt of final CD. - Due Diligence Vendor-05/25/2021
Open-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is $257,115.12. The disclosed finance charge of  $256,759.27 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-05/25/2021
Ready for Review-Disagree-uploaded CD signed at closing - Seller-05/27/2021
 
Resolved-Final CD provided. - Due Diligence Vendor-06/01/2021
 
 
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$412,500.00
CA
Investment
Refinance
Cash Out - Other
494507802
    
D
B
A
A
D
B
C
A
Closed
FPRO5405
2021-05-25 19:40
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/25/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$412,500.00
CA
Investment
Refinance
Cash Out - Other
494507802
    
D
B
A
A
D
B
C
A
Closed
FCOM8844
2021-05-22 01:05
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/25/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Compliance testing pending due to missing Final CD. - Due Diligence Vendor-05/22/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$412,500.00
CA
Investment
Refinance
Cash Out - Other
494506712
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$300,000.00
UT
Investment
Purchase
NA
494503355
    
D
A
D
A
A
A
A
A
Closed
FCRE1322
2021-06-01 01:39
2021-06-02 16:27
Resolved
3 - Material
D
A
Credit
Missing Doc - Income
Borrower 1 Business Tax Returns Missing
Resolved-Provided as conditioned. - Due Diligence Vendor-06/02/2021
Ready for Review-Disagree. The file contains the 2019 business returns for both XXX andXXX which have been uploaded. - Seller-06/01/2021
 Open-Borrower 1 Business Tax Returns Missing - Due Diligence Vendor-05/29/2021
Open-Provide 2019 1065's for XXX and XXX as they were not provided for review to complete income calculations - Due Diligence Vendor-05/29/2021
Ready for Review-Disagree. The file contains the 2019 business returns for both XXXX which have been uploaded. - Seller-06/01/2021
 
Resolved-Provided as conditioned. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_XXX_HRH2.pdf
XXX_XXX_HRH1.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$266,000.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494502874
    
D
A
C
A
A
A
D
A
Closed
FCRE1168
2021-05-24 20:32
2021-06-02 15:43
Resolved
3 - Material
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is greater than Replacement Cost Cost Value of $XXX. - Due Diligence Vendor-06/02/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-05/25/2021
Ready for Review-Replacement Cost Estimator has been received and uploaded. - Seller-05/24/2021
Open-Provide Replacement Cost Value to evidence hazard Insurance Coverage Amount of $XXX is sufficient. - Due Diligence Vendor-05/21/2021
Ready for Review-Replacement Cost Estimator has been received and uploaded. - Seller-05/24/2021
 
 
 Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is greater than Replacement Cost Cost Value of $XXX. - Due Diligence Vendor-06/02/2021
 
 
  
XXX XXX - Replacement Cost Estimator.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$225,000.00
CA
Investment
Refinance
Cash Out - Other
494502874
    
D
A
C
A
A
A
D
A
Closed
FPRO1244
2021-05-22 12:19
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/22/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$225,000.00
CA
Investment
Refinance
Cash Out - Other
494500485
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-25 15:28
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/26/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file.
 - Due Diligence Vendor-05/25/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$129,750.00
TX
Investment
Refinance
Cash Out - Other
494500479
    
D
B
A
A
C
B
D
A
Closed
finding-3632
2021-05-26 16:08
2021-06-02 15:58
Resolved
3 - Material
C
A
Compliance
Disclosures (Federal, State, and Data Dependent)
Consummation or Reimbursement Date Validation Test
Resolved-COC provided - Due Diligence Vendor-06/02/2021
Ready for Review-COC provided - Due Diligence Vendor-06/02/2021
Ready for Review-Loan does not fail tolerance testing.  ICD, Loan Detail Summary and COC has been provided. - Seller-05/26/2021
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/24/2021
Ready for Review-Loan does not fail tolerance testing.  ICD, Loan Detail Summary and COC has been provided. - Seller-05/26/2021
 
Resolved-COC provided - Due Diligence Vendor-06/02/2021
 
 
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$533,000.00
NY
Investment
Refinance
Cash Out - Other
494500479
    
D
B
A
A
C
B
D
A
Closed
finding-3631
2021-05-26 16:05
2021-06-02 15:56
Resolved
3 - Material
C
A
Compliance
Points & Fees
Reimbursement Amount Validation Test
Resolved-COC provided - Due Diligence Vendor-06/02/2021
Ready for Review-Loan does not fail tolerance testing.  COC has been provided. - Seller-05/26/2021
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/24/2021
 Ready for Review-Loan does not fail tolerance testing.  COC has been provided. - Seller-05/26/2021
 
Resolved-COC provided - Due Diligence Vendor-06/02/2021
 
 
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$533,000.00
NY
Investment
Refinance
Cash Out - Other
494500479
    
D
B
A
A
C
B
D
A
Closed
finding-3652
2021-05-26 16:04
2021-06-02 15:55
Resolved
3 - Material
C
A
Compliance
TRID
Lender Credits That Cannot Decrease Test
Resolved-COC provided - Due Diligence Vendor-06/02/2021
Ready for Review-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($644.56) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,743.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/02/2021
Ready for Review-COC has been provided. - Seller-05/26/2021
Open-Lender credit was reduced without a valid change of circumstance. - Due Diligence Vendor-05/25/2021
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($322.28) does not exceed or equal the comparable sum of specific and non-specific lender credits ($3,743.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/24/2021
Ready for Review-COC has been provided. - Seller-05/26/2021
 
Resolved-COC provided - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX XXX - COC.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$533,000.00
NY
Investment
Refinance
Cash Out - Other
494500479
    
D
B
A
A
C
B
D
A
Closed
finding-3634
2021-05-26 16:05
2021-06-02 15:54
Resolved
3 - Material
C
A
Compliance
TRID
Charges That Cannot Increase Test
Resolved-COC provided - Due Diligence Vendor-06/02/2021
Ready for Review-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $149.25.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/02/2021
Ready for Review-COC has been provided. - Seller-05/26/2021
Open-Transfer taxes increased $250.20 without a valid change of circumstance. - Due Diligence Vendor-05/25/2021
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,084.43.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/24/2021
Ready for Review-COC has been provided. - Seller-05/26/2021
 
Resolved-COC provided - Due Diligence Vendor-06/02/2021
 
 
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$533,000.00
NY
Investment
Refinance
Cash Out - Other
494500479
    
D
B
A
A
C
B
D
A
Closed
FPRO1244
2021-05-26 02:29
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/26/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$533,000.00
NY
Investment
Refinance
Cash Out - Other
494500479
    
D
B
A
A
C
B
D
A
Closed
FCOM8844
2021-05-24 18:07
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/26/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file.
 - Due Diligence Vendor-05/24/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$533,000.00
NY
Investment
Refinance
Cash Out - Other
494500306
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$53,000.00
FL
Investment
Refinance
Rate and Term
494499022
    
C
A
C
A
A
A
C
A
Closed
FCRE1437
2021-06-02 14:16
2021-06-02 19:12
Resolved
3 - Material
C
A
Credit
Income
Income and Employment Do Not Meet Guidelines
Resolved-Non subject REO documents provided. - Due Diligence Vendor-06/02/2021
Ready for Review-See attached taxes, insurance and lease for XXX.
Dunns Creek was purchased 03/2021. Closing Disclosure and Note are attached to document the terms. - Seller-06/02/2021
Open-Income and Employment Do Not Meet Guidelines. Missing verification of Mortgage, Taxes, and Insurance for property located at XXX. Missing verification of taxes, insurance, and lease agreement for property located at XXX .  - Due Diligence Vendor-05/31/2021
Ready for Review-See attached taxes, insurance and lease for XXX.
 
XXX was purchased 03/2021. Closing Disclosure and Note are attached to document the terms. - Seller-06/02/2021
 
Resolved-Non subject REO documents provided. - Due Diligence Vendor-06/02/2021
 
 
  
XXX_XXX_XXX_XXX.pdf
XXX_XXX_XXX_XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$165,742.00
TX
Investment
Purchase
NA
494499022
    
C
A
C
A
A
A
C
A
Closed
FPRO5405
2021-05-31 23:37
2021-06-01 15:02
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/31/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$165,742.00
TX
Investment
Purchase
NA
494498831
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$472,750.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494495637
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-19 21:57
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4). Desk review pending. - Due Diligence Vendor-05/20/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$384,800.00
WA
Investment
Purchase
NA
494492391
    
C
A
C
A
A
A
A
A
Closed
FCRE1437
2021-06-03 13:06
2021-06-03 18:01
Resolved
3 - Material
C
A
Credit
Income
Income and Employment Do Not Meet Guidelines
Resolved-VOM's provided for all properties verifying escrows are included in all payments listed. - Due Diligence Vendor-06/03/2021
 
Ready for Review-Disagree. The file contains the mortgage statements for all financed REO's indicating the payments include escrows. The statements have been uploaded. - Seller-06/03/2021
 
Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-06/01/2021
 
Open-Income and Employment Do Not Meet Guidelines, missing verification of taxes and insurances for Non Subject REO and primary properties.  - Due Diligence Vendor-06/01/2021
Ready for Review-Disagree. The file contains the mortgage statements for all financed REO's indicating the payments include escrows. The statements have been uploaded. - Seller-06/03/2021
 
 
Resolved-VOM's provided for all properties verifying escrows are included in all payments listed. - Due Diligence Vendor-06/03/2021
 
 
  
XXX_XXX_REO_Expenses.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$548,000.00
WA
Investment
Refinance
Cash Out - Other
494492391
    
C
A
C
A
A
A
A
A
Closed
FCRE1168
2021-06-02 18:54
2021-06-02 19:31
Resolved
3 - Material
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-Replacement cost estimate provided. - Due Diligence Vendor-06/02/2021
Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-06/02/2021
Ready for Review-6/2/2021 Disagree - the HOI and  RCE was provided - please review  - Seller-06/02/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XX - Due Diligence Vendor-06/01/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s). - Due Diligence Vendor-06/01/2021
Ready for Review-6/2/2021 Disagree - the HOI and  RCE was provided - please review  - Seller-06/02/2021
 
 
Resolved-Replacement cost estimate provided. - Due Diligence Vendor-06/02/2021
 Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-06/02/2021
 
  
XXX LLP RCT.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$548,000.00
WA
Investment
Refinance
Cash Out - Other
494490506
    
D
B
D
A
B
B
B
B
Closed
FCRE7497
2021-05-25 16:58
2021-06-02 16:19
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
Ready for Review-See attached Note, HOI, & Tax cert for primary residence - Seller-05/25/2021
Open-Missing Verification for PITI on primary residence - XXX - Due Diligence Vendor-05/22/2021
 Ready for Review-See attached Note, HOI, & Tax cert for primary residence - Seller-05/25/2021
 
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_XXX_Note.pdf
XXX_XXX_HOI.pdf
XXX_XX_Taxes.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$218,000.00
CA
Investment
Refinance
Cash Out - Other
494490506
    
D
B
D
A
B
B
B
B
Closed
FPRO1498
2021-05-22 05:09
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
 
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/25/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/22/2021
  
 Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/25/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$218,000.00
CA
Investment
Refinance
Cash Out - Other
494490506
    
D
B
D
A
B
B
B
B
Closed
FCOM8844
2021-05-22 19:01
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/25/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Compliance testing pending - due to missing Final CD - Due Diligence Vendor-05/22/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$218,000.00
CA
Investment
Refinance
Cash Out - Other
494489646
    
C
A
C
A
A
A
A
A
Closed
FCRE1440
2021-05-27 13:09
2021-06-02 13:00
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-CD's provided showing refinanced 3/XX/21 - both cash out and paying off prior mortgages. - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached settlement statements for these two properties. - Seller-05/27/2021
Open-Housing History Does Not Meet Guideline Requirements>  Need settlement statements or new mortgage statements for the primary residence and retained investment property concurrently being transferred/refinanced.   - Due Diligence Vendor-05/26/2021
 Ready for Review-Please see attached settlement statements for these two properties. - Seller-05/27/2021
 
Resolved-CD's provided showing refinanced 3/XX/21 - both cash out and paying off prior mortgages. - Due Diligence Vendor-06/02/2021
 
 
  
XXX CD.pdf
XXX CD.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$244,500.00
NV
Investment
Refinance
Cash Out - Other
494489440
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$413,700.00
CA
Investment
Refinance
Cash Out - Other
494487705
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-20 18:46
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/21/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file. - Due Diligence Vendor-05/20/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/21/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$540,000.00
CA
Investment
Refinance
Cash Out - Debt Consolidation
494485785
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$315,000.00
TX
Investment
Refinance
Rate and Term
494484747
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-18 21:33
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/18/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$277,000.00
CA
Investment
Refinance
Rate and Term
494483627
    
C
A
C
A
A
A
A
A
Closed
FCRE1440
2021-06-02 13:19
2021-06-02 17:45
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-Documentation provided as required. - Due Diligence Vendor-06/02/2021
Ready for Review-See attached property taxes on XXX, taxes and insurance on XXX, and pay history, taxes and insurance on XXX. There are no HOA dues for XXX. Please note that the pay history on XXX is documented via the credit report. XXX is tied to this property. The Closing Disclosure verifies XXX was previously free and clear as there was no mortgage paid off with the refinance. - Seller-06/02/2021
Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-06/01/2021
Open-Housing History Does Not Meet Guideline Requirements. Missing documentation of property taxes on XXX. Missing documentation of pay history, principal, taxes and association for XXX, and Taxes and insurance for XXX. - Due Diligence Vendor-05/30/2021
Ready for Review-See attached property taxes on XXX, taxes and insurance on XXX, and pay history, taxes and insurance on XXX. There are no HOA dues for XXX. Please note that the pay history on XXX is documented via the credit report. XXX is tied to this property. The Closing Disclosure verifies XXX was previously free and clear as there was no mortgage paid off with the refinance. - Seller-06/02/2021
 
Resolved-Documentation provided as required. - Due Diligence Vendor-06/02/2021
 
 
  
XXX_XXX_XXX_Taxes.pdf
XXX_XXX_XXX_Tax_Ins.pdf
XXX_XXX_XXX_PITI.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$122,250.00
TX
Investment
Refinance
Rate and Term
494482877
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-21 17:47
2021-06-07 12:13
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/21/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$202,500.00
MN
Investment
Refinance
Rate and Term
494482802
    
C
A
C
A
A
A
C
A
Closed
FCRE1437
2021-06-03 21:51
2021-06-04 12:20
Resolved
3 - Material
C
A
Credit
Income
Income and Employment Do Not Meet Guidelines
Resolved-Evidence of free and clear provided along with LOE from CPA on Schedule E inputs. - Due Diligence Vendor-06/04/2021
Ready for Review-The borrower elected to combine all rental properties located at XXX as one property for tax purposes. Please see attached explanation letter from the XXX, as such the XXX used the combined income and expenses reported on the schedule E for rental properties located at XXX and divided them equally to all properties in order to calculate rental income.
Both properties located at XXX and XXX are free and clear as the homowner insurance policies shows no mortgagee for both properties.
Please see attachment. - Seller-06/03/2021
Open-Income and Employment Do Not Meet Guidelines. Unable to verify rental income due to missing itemized Schedule E for 2019. Missing verification that property XXX is free and clear. Missing mortgage statement for property XXX. - Due Diligence Vendor-05/27/2021
Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-05/27/2021
Open-Income and Employment Do Not Meet Guidelines. Unable to verify rental income due to missing itemized Schedule E for 2019. Missing verification that property XXX is free and clear. Missing mortgage statement for property XXX.  - Due Diligence Vendor-05/24/2021
Ready for Review-The borrower elected to combine all rental properties located at XXX as one property for tax purposes. Please see attached explanation letter from the XXX, as such the XXX used the combined income and expenses reported on the schedule E for rental properties located at XXX and divided them equally to all properties in order to calculate rental income.
Both properties located at XXX and XXX are free and clear as the homowner insurance policies shows no mortgagee for both properties.
Please see attachment. - Seller-06/03/2021
 
Resolved-Evidence of free and clear provided along with LOE from CPA on Schedule E inputs. - Due Diligence Vendor-06/04/2021
 
 
 
 
  
XXX - XXX - CPA letter.pdf
XXX - XXX - 4854 HOI.pdf
XXX - XXX - 4802 HOI.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$227,500.00
OR
Investment
Refinance
Cash Out - Other
494482802
    
C
A
C
A
A
A
C
A
Closed
FPRO5405
2021-05-25 21:21
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXXor XX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$227,500.00
OR
Investment
Refinance
Cash Out - Other
494482241
    
D
B
A
A
D
B
C
A
Closed
FPRO5405
2021-05-30 16:17
2021-06-01 15:25
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/30/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$175,000.00
CA
Investment
Refinance
Cash Out - Other
494482241
    
D
B
A
A
D
B
C
A
Closed
FCOM8844
2021-05-30 16:20
2021-06-01 13:24
Acknowledged
2 - Non-Material
D
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/30/2021
Open-Final CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). - Due Diligence Vendor-05/30/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/30/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$175,000.00
CA
Investment
Refinance
Cash Out - Other
494481354
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-28 19:36
2021-05-30 04:26
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/29/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/28/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/30/2021
 
 
 
 Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/29/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$162,000.00
CA
Investment
Refinance
Rate and Term
494481326
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$443,800.00
TX
Investment
Refinance
Rate and Term
494481282
    
C
A
C
A
A
A
C
A
Closed
FCRE1440
2021-06-01 16:12
2021-06-02 17:21
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
Ready for Review-Property tax is located in the file. Please see attachment - Seller-06/01/2021
Open-Housing History Does Not Meet Guideline Requirements.  Need tax payment information for primary residence.   - Due Diligence Vendor-05/27/2021
Ready for Review-Property tax is located in the file. Please see attachment - Seller-06/01/2021
 
 
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX - XXX Property Tax.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$300,000.00
TX
Investment
Purchase
NA
494481282
    
C
A
C
A
A
A
C
A
Closed
FPRO9939
2021-05-27 05:34
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$300,000.00
TX
Investment
Purchase
NA
494480633
    
C
A
C
A
A
A
A
A
Closed
FCRE1168
2021-05-19 18:39
2021-05-30 04:32
Resolved
3 - Material
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-Replacement cost coverage provided. - Due Diligence Vendor-05/21/2021
Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-05/21/2021
Ready for Review-Minimum building replacement cost shows on page 3. Previous loans with USAA insurance this is what they send for replacement cost estimator. - Seller-05/19/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $0 - Due Diligence Vendor-05/18/2021
Ready for Review-Minimum building replacement cost shows on page 3. Previous loans with USAA insurance this is what they send for replacement cost estimator. - Seller-05/19/2021
 
 
Resolved-Replacement cost coverage provided. - Due Diligence Vendor-05/21/2021
 Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-05/21/2021
 
  
Insurance XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$580,000.00
CA
Investment
Purchase
NA
494480086
    
D
A
D
A
A
A
A
A
Closed
FCRE1186
2021-05-26 16:19
2021-06-02 14:43
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-Lease agreement provided as conditioned and rental income and DTi are now in agreement with approval - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached lease agreement showing a monthly rental income of $1,700 - Seller-05/26/2021
Open-Audited DTI of 58.58% exceeds AUS DTI of 41%. Variance is due to missing lease. Unable to calculate rental income. - Due Diligence Vendor-05/24/2021
 Ready for Review-Please see attached lease agreement showing a monthly rental income of $1,700 - Seller-05/26/2021
 
Resolved-Lease agreement provided as conditioned and rental income and DTi are now in agreement with approval - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX - XXX - Lease agreement 1.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$206,000.00
FL
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494480086
    
D
A
D
A
A
A
A
A
Closed
FCRE1345
2021-05-26 16:18
2021-06-02 14:42
Resolved
3 - Material
D
A
Credit
Missing Doc - Income
Borrower 1 Lease Agreements Missing
Resolved-Lease agreement provided as conditioned. - Due Diligence Ready for Review-Please see attached lease agreement showing a monthly rental income of $1,700 - Seller-05/26/2021
Open-Variance is due to missing lease for subject. Unable to calculate rental income. - Due Diligence Vendor-05/24/2021
Open-Borrower 1 Lease Agreements Missing - Due Diligence Vendor-05/24/2021
 Ready for Review-Please see attached lease agreement showing a monthly rental income of $1,700 - Seller-05/26/2021
 
Resolved-Lease agreement provided as conditioned. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX - XXX - Lease agreement 1.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$206,000.00
FL
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494479796
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$229,000.00
OH
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494478607
    
D
A
A
A
D
A
C
A
Closed
FCOM1544
2021-05-27 17:35
2021-06-02 14:02
Resolved
3 - Material
D
A
Compliance
Missing Doc - CD
TRID: Missing Final Closing Disclosure
Resolved-FInal HUD provided showing closing date of 4/XX/21 and funding of 4/XX/21. - Due Diligence Vendor-06/02/2021
Ready for Review-This is an escrow state loan. The CD the Lender used at closing is the 3 Day CD as new CDs are not prepared at closing the final disbursed CD is provided after closing. Please see attached Final Settlement Statement as PCCD has already been provided in the file. - Seller-05/27/2021
Open-File includes copies of Initial and Post Close CD's only. - Due Diligence Vendor-05/21/2021
Open-TRID: Missing Final Closing Disclosure.  File includes Initial and Post Close CD only. - Due Diligence Vendor-05/21/2021
Ready for Review-This is an escrow state loan. The CD the Lender used at closing is the 3 Day CD as new CDs are not prepared at closing the final disbursed CD is provided after closing. Please see attached Final Settlement Statement as PCCD has already been provided in the file. - Seller-05/27/2021
 
Resolved-FInal HUD provided showing closing date of 4/XX/21 and funding of 4/XX/21. - Due Diligence Vendor-06/02/2021
 
 
  
XXX XXX - Final Settlement Statement.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$317,000.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494478607
    
D
A
A
A
D
A
C
A
Closed
FPRO5405
2021-05-21 08:59
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/21/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$317,000.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494478272
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$470,000.00
CA
Investment
Purchase
NA
494477862
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$86,250.00
AZ
Investment
Purchase
NA
494477617
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-18 21:43
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/18/2021
  
 Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$393,000.00
CA
Investment
Refinance
Rate and Term
494477262
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$280,059.00
GA
Investment
Purchase
NA
494474641
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-28 18:25
2021-05-31 16:14
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-Score did not report from CU.   - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$312,100.00
OR
Investment
Refinance
Rate and Term
494474233
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-21 02:41
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-Third party valuation product missing. - Due Diligence Vendor-05/21/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$257,250.00
CA
Investment
Purchase
NA
494473945
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-06-01 17:36
2021-06-01 19:48
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-06/01/2021
  
Resolved-Desk review provided with a value of $XXX orXXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$244,000.00
WA
Investment
Refinance
Rate and Term
494473614
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-27 00:03
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/28/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/27/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/30/2021
 
 Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$94,350.00
MO
Investment
Refinance
Rate and Term
494470816
    
D
A
D
A
A
A
C
A
Closed
FCRE1173
2021-05-25 18:11
2021-06-02 14:44
Resolved
3 - Material
D
A
Credit
Missing Doc - Insurance
HO6 Master Insurance Policy is Missing
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
Ready for Review-Master Policy attached for Condo - Seller-05/25/2021
Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-05/24/2021
Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-05/22/2021
 Ready for Review-Master Policy attached for Condo - Seller-05/25/2021
 
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
 
 
 
 
  
Master Policy XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$392,000.00
CO
Investment
Purchase
NA
494470816
    
D
A
D
A
A
A
C
A
Closed
FPRO5405
2021-05-24 16:41
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or -XXX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/24/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or -XXX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$392,000.00
CO
Investment
Purchase
NA
494469827
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$215,000.00
RI
Investment
Purchase
NA
494469422
    
C
A
C
A
A
A
C
A
Closed
FCRE1186
2021-06-02 19:38
2021-06-03 15:02
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-Updated PITIA provided for Non Subject REO properties. - Due Diligence Vendor-06/03/2021
Resolved-Audited DTI of 25.73% is less than or equal to AUS DTI of 28%  - Due Diligence Vendor-06/03/2021
Ready for Review-XXX: Borrower is not on title, but was qualified with taxes, insurance and HOA.
 
XXX were refinanced with Flagstar Bank. Note and final CD are attached for each. Please note that the lease was used on each property due to the short length of time reported on the 2019 Schedule E.
 
XXX: Mortgage is escrowed; statement attached to verify. Please note that the 2019 Schedule E shows only NINE months of rental income. This figure should be used in place of 12 months when calculating rental income. - Seller-06/02/2021
Open-Audited DTI of 41.82% exceeds AUS DTI of 28%  - Due Diligence Vendor-06/02/2021
Open-Audited DTI of 41.82% exceeds AUS DTI of 28%.  Biggest contributor to DTI difference is the reconciliation of non-subject REO.  Looks like lender may have been counting $152 but was found to be -$1611.  See income workbook.   - Due Diligence Vendor-06/02/2021
Ready for Review-XXX: Borrower is not on title, but was qualified with taxes, insurance and HOA.
 
XXX and XXX were refinanced with Flagstar Bank. Note and final CD are attached for each. Please note that the lease was used on each property due to the short length of time reported on the 2019 Schedule E.
 
XXX: Mortgage is escrowed; statement attached to verify. Please note that the 2019 Schedule E shows only NINE months of rental income. This figure should be used in place of 12 months when calculating rental income. - Seller-06/02/2021
 
Resolved-Updated PITIA provided for Non Subject REO properties. - Due Diligence Vendor-06/03/2021
 
 Resolved-Audited DTI of 25.73% is less than or equal to AUS DTI of 28%  - Due Diligence Vendor-06/03/2021
 
 
  
XXX_XXX_XXX_New.pdf
XXX_XXX_XXX_Lease.pdf
XXX_XXX_XXX_Lease.pdf
XXX_XXX_XXX.pdf
XXX_XXX_XXX_New.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$198,200.00
TX
Investment
Refinance
Rate and Term
494469422
    
C
A
C
A
A
A
C
A
Closed
FPRO5405
2021-06-02 02:26
2021-06-03 15:01
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Provided Or FHLMC Collateral Rep & Warrant Relief Is Eligible And A Third Party Product Was Not Required (FHLMC Collateral Rep & Warrant Relief Status Is ) - Due Diligence Vendor-06/02/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-06/02/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-06/02/2021
  
 Resolved-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Provided Or FHLMC Collateral Rep & Warrant Relief Is Eligible And A Third Party Product Was Not Required (FHLMC Collateral Rep & Warrant Relief Status Is ) - Due Diligence Vendor-06/02/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$198,200.00
TX
Investment
Refinance
Rate and Term
494469421
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-26 21:26
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.8) - Due Diligence Vendor-05/26/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$157,500.00
TX
Investment
Refinance
Rate and Term
494469228
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-31 11:58
2021-05-31 12:29
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Full regulatory testing completed. No issues found. Loan would be valid as GSE SH. - Due Diligence Vendor-06/08/2021
 
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). - Due Diligence Vendor-05/31/2021
  
Acknowledged-Full regulatory testing completed. No issues found. Loan would be valid as GSE SH. - Due Diligence Vendor-06/08/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$293,500.00
CA
Investment
Refinance
Cash Out - Other
494468740
    
D
A
D
A
A
A
A
A
Closed
FCRE8712
2021-06-07 16:41
2021-06-07 16:47
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing Verification of Rent
Resolved-Lease agreement with copy of checks provided. - Due Diligence Vendor-06/07/2021
 
Ready for Review-Please see copy of lease to go with the two months checks previously provided.  Thank you - Seller-06/07/2021
 
Open-DU line item 13 under credit and liabilities requires the amount of the rental housing expense to be verified and documented. Acceptable documentation includes, but is not limited to one of the following: a direct verification from a management company or individual landlord, six months cancelled checks/equivalent payment source, six months bank statements reflecting a clear and consistent payment to an organization or individual, a copy of a current fully executed lease agreement and two months cancelled checks/equivalent payment source. Condition remains, only two months checks provided. - Due Diligence Vendor-06/07/2021
 
Ready for Review-See attached rent checks (already in file) from the borrower to verify monthly rent payment of $1,250.00. First check dated 01/22/21 in the amount of $403.23 is for 10 days of prorated rent for the month of January and indicates 'Rent (1900 Dexter)' in the memo line. The second check dated 02/08/21 in the amount of $1,250.00 is for the entire month of February and indicates 'February Rent' in the memo line. - Seller-06/04/2021
 
Open-Borrower is renting primary residence. Missing verification of the monthly rent payment of $1,250.00. - Due Diligence Vendor-05/30/2021
 
 
 
Open-Borrower is renting primary residence.  Missing verification of the monthly rent payment of $1,250.00. - Due Diligence Vendor-05/25/2021
Ready for Review-Please see copy of lease to go with the two months checks previously provided.  Thank you - Seller-06/07/2021
 Ready for Review-See attached rent checks (already in file) from the borrower to verify monthly rent payment of $1,250.00. First check dated 01/22/21 in the amount of $403.23 is for 10 days of prorated rent for the month of January and indicates 'Rent (XXX)' in the memo line. The second check dated 02/08/21 in the amount of $1,250.00 is for the entire month of February and indicates 'February Rent' in the memo line. - Seller-06/04/2021
 
Resolved-Lease agreement with copy of checks provided. - Due Diligence Vendor-06/07/2021
 
 
 
 
  
XXX_XXXvXXX.pdf
XXX - Residential Lease Agreement 20210121.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$548,250.00
TX
Investment
Refinance
Cash Out - Other
494468740
    
D
A
D
A
A
A
A
A
Closed
FCRE1168
2021-06-02 17:19
2021-06-02 17:47
Resolved
3 - Material
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-RCE provided showing adequate coverage was obtained. - Due Diligence Vendor-06/02/2021
Ready for Review-Replacement Cost Estimator has been received and uploaded. - Seller-06/02/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $189243 is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $0. Internal form provided indicating required minimum coverage is $201750. Replacement cost estimator not provided.  - Due Diligence Vendor-06/01/2021
Ready for Review-Current Insurance Policy was found in file and has been uploaded. - Seller-05/28/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $185229 is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $0 - Due Diligence Vendor-05/26/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $185,229 is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $0.  The total liens equal $548,250.00.  The declaration page does not list guaranteed replacement cost.  File did not contain a cost to replace new calculation - Due Diligence Vendor-05/25/2021
Ready for Review-Replacement Cost Estimator has been received and uploaded. - Seller-06/02/2021
 Ready for Review-Current Insurance Policy was found in file and has been uploaded. - Seller-05/28/2021
 
Resolved-RCE provided showing adequate coverage was obtained. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
505531259 XXX - Insurance Policy.pdf
505531259 XXX - Insurance Worksheet.pdf
505531259 XXX - Replacement Cost Estimator.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$548,250.00
TX
Investment
Refinance
Cash Out - Other
494468566
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-27 20:11
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4) - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$216,000.00
MT
Investment
Refinance
Rate and Term
494468280
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$300,000.00
CA
Investment
Refinance
Cash Out - Other
494468205
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-06-01 17:45
2021-06-01 19:54
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-CU score was not provided on DU approved loan. - Due Diligence Vendor-06/01/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$310,000.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494467801
    
D
A
D
A
A
A
D
A
Closed
FCRE7497
2021-06-04 20:34
2021-06-07 14:29
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-Taxes and insurance documentation provided. - Due Diligence Vendor-06/07/2021
Ready for Review-Agree with finding: Please see attached HOI policy for XXX, and XXX. For  property located at the XXX, the property is free and clear and is currently under construction therefore, it does not required HOI.  - Seller-06/04/2021
Open-missing verification of the insurance and taxes for the properties located at XXX. - Due Diligence Vendor-05/22/2021
Ready for Review-Agree with finding: Please see attached HOI policy for XXX, and XXX. For  property located at the XXX, the property is free and clear and is currently under construction therefore, it does not required HOI.  - Seller-06/04/2021
 
Resolved-Taxes and insurance documentation provided. - Due Diligence Vendor-06/07/2021
 
 
 
 
  
XXX.pdf
XXX - Treasurer-Tax Collector XXX.pdf
XXX.pdf
XXX - Treasurer-Tax Collector XXX.pdf
XXX - Treasurer-Tax Collector XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$600,000.00
CA
Investment
Purchase
NA
494467801
    
D
A
D
A
A
A
D
A
Closed
FPRO1244
2021-05-26 02:50
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/26/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$600,000.00
CA
Investment
Purchase
NA
494467219
    
C
B
C
A
B
B
C
A
Closed
FCOM7646
2021-05-22 12:49
2021-06-08 19:49
Acknowledged
2 - Non-Material
B
B
Compliance
QM-ATR
Originator QM Designation Differs From Final QM Status
Acknowledged-Evidence in the loan file results in determination of Consumer Purpose, full compliance review was conducted, and QM: GSE Temporary QM – SH was validated as true. - Due Diligence Vendor-06/08/2021
 
Open-Originator QM Designation Of ATR/QM: Not Applicable Differs From Final QM Status Of QM: Safe Harbor (SH). Cash out purpose letter in file states borrower will use cash out proceeds for rental property, paying off high interest student loans and possible investments.  - Due Diligence Vendor-05/22/2021
  
Acknowledged-Evidence in the loan file results in determination of Consumer Purpose, full compliance review was conducted, and QM: GSE Temporary QM – SH was validated as true. - Due Diligence Vendor-06/08/2021
 
 
    
"QM: GSE Temporary QM - SH"
"QM: GSE Temporary QM - SH"
$385,000.00
ID
Investment
Refinance
Cash Out - Other
494467219
    
C
B
C
A
B
B
C
A
Closed
FCRE1168
2021-05-26 18:51
2021-06-02 15:56
Resolved
3 - Material
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is greater than Cash value as provided on Replacement Cost Estimator of $XXX. - Due Diligence Vendor-06/02/2021
Open-Dwelling coverage $XXX is less then Replacement cost estimate of $XXX. - Due Diligence Vendor-06/02/2021
Ready for Review-Replacement Cost Estimator has been received and uploaded. - Seller-05/26/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-05/21/2021
Open-No evidence of Replacement Cost or expanded coverage in file. - Due Diligence Vendor-05/19/2021
Open-No evidence of Replacement Cost or expanded coverage in file. - Due Diligence Vendor-05/19/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-05/19/2021
 Ready for Review-Replacement Cost Estimator has been received and uploaded. - Seller-05/26/2021
 
Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $315180 is greater than Cash value as provided on Replacement Cost Estimator of $310628. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX XXX Replacement Cost Estimator.pdf
"QM: GSE Temporary QM - SH"
"QM: GSE Temporary QM - SH"
$385,000.00
ID
Investment
Refinance
Cash Out - Other
494467219
    
C
B
C
A
B
B
C
A
Closed
FPRO5405
2021-05-22 12:51
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/22/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"QM: GSE Temporary QM - SH"
"QM: GSE Temporary QM - SH"
$385,000.00
ID
Investment
Refinance
Cash Out - Other
494467173
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-21 14:51
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/24/2021
Open-CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).  - Due Diligence Vendor-05/21/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$330,000.00
CA
Investment
Refinance
Cash Out - Other
494465409
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-22 16:25
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/22/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$188,000.00
WA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494465142
    
D
B
D
A
B
B
A
A
Closed
FCRE7497
2021-05-28 17:50
2021-06-02 16:22
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-CD provided showing loan was refied with Flagstar and qualified at a higher monthly payment than actual. - Due Diligence Vendor-06/02/2021
Ready for Review-See attached post-consummation Closing Disclosure for XXX for the primary residence. Monthly present housing payment = $4790.75. Subject loan was qualified with a monthly present housing payment of $4908.65. AUS resubmission is not required. - Seller-05/28/2021
Open-Missing documentation to support the primary residence expense for the borrowers.  property is located at XXx. - Due Diligence Vendor-05/21/2021
Ready for Review-See attached post-consummation Closing Disclosure for Flagstar Bank loan XXX for the primary residence. Monthly present housing payment = $4790.75. Subject loan was qualified with a monthly present housing payment of $4908.65. AUS resubmission is not required. - Seller-05/28/2021
 
Resolved-CD provided showing loan was refied with Flagstar and qualified at a higher monthly payment than actual. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_XXX_PrimaryHousing.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$460,000.00
CA
Investment
Refinance
Cash Out - Other
494465142
    
D
B
D
A
B
B
A
A
Closed
FCOM8844
2021-05-21 20:38
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/25/2021
Open-CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).  - Due Diligence Vendor-05/21/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$460,000.00
CA
Investment
Refinance
Cash Out - Other
494464718
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$129,000.00
MT
Investment
Purchase
NA
494463695
    
C
A
C
A
A
A
A
A
Closed
FCRE1160
2021-06-02 18:21
2021-06-02 19:23
Resolved
3 - Material
C
A
Credit
Insurance
Hazard Insurance Expiration Date is before the Note Date
Resolved-Hazard Insurance Expiration Date of 08-XX-2021 is after the Note Date of 04-XX-2021 Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-06/02/2021
Open-Hazard Insurance Expiration Date of 04-XX-2021 is prior to or equal to the Note Date of 04-XX-2021 - Due Diligence Vendor-06/02/2021
Ready for Review-6/2/2021 Disagree - the Hazard insurance had been provided . please review  - Seller-06/02/2021
Open-Hazard Insurance Expiration Date of 04-XX-2021 is prior to or equal to the Note Date of 04-XX-2021 - Due Diligence Vendor-05/28/2021
Ready for Review-6/2/2021 Disagree - the Hazard insurance had been provided . please review  - Seller-06/02/2021
 
 
Resolved-Hazard Insurance Expiration Date of 08-XX-2021 is after the Note Date of 04-XX-2021 Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-06/02/2021
 
 
  
XXX XXX -Replacement cost estimator.pdf
XXX XXX -hazard insurance.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$259,000.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494463675
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-24 20:33
2021-06-01 23:22
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/24/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$236,250.00
NV
Investment
Purchase
NA
494462949
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$96,600.00
FL
Investment
Purchase
NA
494461937
    
D
A
D
A
A
A
C
A
Closed
FCRE3466
2021-06-02 14:14
2021-06-02 15:36
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing evidence of sufficient insurance for condo project
Resolved-Certificate with GRC provided. - Due Diligence Vendor-06/02/2021
Ready for Review-The Certificate of Insurance was found in file and has been uploaded, the Description of Operations box it states 125% Guaranteed Replacement Cost. - Seller-06/02/2021
Open-COVERAGE AMOUNT IS LESS THAN $1M  - Due Diligence Vendor-05/26/2021
Ready for Review-The Certificate of Insurance was found in file and has been uploaded, the Description of Operations box it states 125% Guaranteed Replacement Cost. - Seller-06/02/2021
 
 
Resolved-Certificate with GRC provided. - Due Diligence Vendor-06/02/2021
 
 
  
XXX XXX - Certificate of Insurance.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$108,000.00
CA
Investment
Purchase
NA
494461937
    
D
A
D
A
A
A
C
A
Closed
FCRE1440
2021-06-02 13:33
2021-06-02 14:52
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/02/2021
Ready for Review-HOA document is located in the file showing HOA monthly fee is 250. Please see attachment.  - Seller-06/02/2021
Open-Housing History Does Not Meet Guideline Requirements.  Missing HOA documents for XXX. - Due Diligence Vendor-05/27/2021
Ready for Review-HOA document is located in the file showing HOA monthly fee is 250. Please see attachment.  - Seller-06/02/2021
 
 
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX - XXX - HOA.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$108,000.00
CA
Investment
Purchase
NA
494461937
    
D
A
D
A
A
A
C
A
Closed
FCRE7497
2021-06-02 14:03
2021-06-02 14:49
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-HOA info provided - Due Diligence Vendor-06/02/2021
Ready for Review-HOA documentation is located in the file. Please see attachments - Seller-06/02/2021
Open-Missing verification of HOA dues for the following REOs:
 
1-XXX
2- XXX
3- XXX - Due Diligence Vendor-05/25/2021
Ready for Review-HOA documentation is located in the file. Please see attachments - Seller-06/02/2021
 
 
Resolved-HOA info provided - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX - XXX - HOA.pdf
XXX - XXX -  HOA XXX.pdf
XXX - XXX - HOA XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$108,000.00
CA
Investment
Purchase
NA
494461937
    
D
A
D
A
A
A
C
A
Closed
FPRO9939
2021-05-27 14:38
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 999) - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$108,000.00
CA
Investment
Purchase
NA
494461652
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-20 13:56
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/20/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$192,750.00
CA
Investment
Refinance
Rate and Term
494461617
    
C
B
A
A
B
B
C
A
Closed
FPRO9939
2021-05-28 21:53
2021-05-31 16:06
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.7) - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$260,000.00
CA
Investment
Refinance
Cash Out - Other
494461617
    
C
B
A
A
B
B
C
A
Closed
FCOM8844
2021-05-28 20:42
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 Acknowledged-Loan would be valid as GSE SH. - Due Diligence Vendor-05/29/2021
Open-File is missing the cash out letter stating the purpose of the cash out. - Due Diligence Vendor-05/28/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 
 
 Acknowledged-Loan would be valid as GSE SH. - Due Diligence Vendor-05/29/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$260,000.00
CA
Investment
Refinance
Cash Out - Other
494461333
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$183,000.00
TN
Investment
Purchase
NA
494461330
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-22 13:11
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/22/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$128,000.00
CA
Investment
Purchase
NA
494460428
    
B
B
A
A
B
B
A
A
Closed
FCOM7646
2021-05-30 03:39
2021-06-08 21:11
Acknowledged
2 - Non-Material
B
B
Compliance
QM-ATR
Originator QM Designation Differs From Final QM Status
Acknowledged-Evidence in the loan file results in determination of Consumer Purpose, full compliance review was conducted, and QM: GSE Temporary QM – SH was validated as true. - Due Diligence Vendor-06/01/2021
 
Open-Originator QM Designation Of ATR/QM: Not Applicable Differs From Final QM Status Of ATR/QM: Status Pending - Due Diligence Vendor-05/30/2021
  
Acknowledged-Evidence in the loan file results in determination of Consumer Purpose, full compliance review was conducted, and QM: GSE Temporary QM – SH was validated as true. - Due Diligence Vendor-06/01/2021
 
 
    
"QM: GSE Temporary QM - SH"
"QM: GSE Temporary QM - SH"
$90,000.00
FL
Investment
Refinance
Cash Out - Other
494460370
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$112,000.00
NE
Investment
Refinance
No Cash Out - Lender Initiated
494460051
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$297,000.00
CA
Investment
Purchase
NA
494459830
    
D
A
D
A
D
A
A
A
Closed
FCOM1544
2021-06-02 20:47
2021-06-03 15:54
Resolved
3 - Material
D
A
Compliance
Missing Doc - CD
TRID: Missing Final Closing Disclosure
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/03/2021
Ready for Review-Final CD and Final Settlement Statement have been uploaded. - Seller-06/02/2021
Open-TRID: Missing Final Closing Disclosure- preliminary testing performed from post-closing edition. - Due Diligence Vendor-06/01/2021
Open-TRID: Missing Final Closing Disclosure- preliminary testing performed from post-closing edition. - Due Diligence Vendor-06/01/2021
Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-06/01/2021
Open-TRID: Missing Final Closing Disclosure- preliminary testing performed from post-closing edition. - Due Diligence Vendor-06/01/2021
Ready for Review-Final CD and Final Settlement Statement have been uploaded. - Seller-06/02/2021
 
 
Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-06/03/2021
 
 
  
XXX XXX - FINAL SETTLEMENT STATEMENT.pdf
XXX XXX - REVISED FINAL CD.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$294,000.00
CA
Investment
Purchase
NA
494459830
    
D
A
D
A
D
A
A
A
Closed
FCRE1186
2021-06-02 18:12
2021-06-02 19:59
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-DTI 38.09% within tolerance of AUS DTI 35.76% - Due Diligence Vendor-06/02/2021
Resolved-Audited DTI of 38.09% exceeds AUS DTI of 35.76%  - Due Diligence Vendor-06/02/2021
Ready for Review-6/2: AUS DTI ratio of 35.76% is slightly understated based on subject negative cash flow calculation. DTI ratio calculates to 36.6% when using subject negative cash flow of $518.44 (versus ncf of $443.44). The revised calculation of negative $518.44 is based on 75% of market rent stated by appraiser. DTI ratio is within agency tolerance that does not require AUS resubmission. - Seller-06/02/2021
Open-Audited DTI of 41.65% exceeds AUS DTI of 35.76%. Preliminary calculations taken from lender's worksheets in file with final DTI examination pending receipt of same. - Due Diligence Vendor-06/01/2021
Open-Audited DTI of 41.65% exceeds AUS DTI of 35.76%. Preliminary calculations taken from lender's worksheets in file with final DTI examination pending receipt of same. - Due Diligence Vendor-06/01/2021
Ready for Review-6/2: AUS DTI ratio of 35.76% is slightly understated based on subject negative cash flow calculation. DTI ratio calculates to 36.6% when using subject negative cash flow of $518.44 (versus ncf of $443.44). The revised calculation of negative $518.44 is based on 75% of market rent stated by appraiser. DTI ratio is within agency tolerance that does not require AUS resubmission. - Seller-06/02/2021
 
 
Resolved-Audited DTI of 38.09% exceeds AUS DTI of 35.76%  - Due Diligence Vendor-06/02/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$294,000.00
CA
Investment
Purchase
NA
494459830
    
D
A
D
A
D
A
A
A
Closed
FCRE1964
2021-06-02 18:05
2021-06-02 19:58
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing income documentation
Resolved-PITIA components provided. - Due Diligence Vendor-06/02/2021
Ready for Review-Disagree. File contained verification of the PITI expense for the properties in question (see attached). Primary housing payment for property at XXX of $2,647.62 was based on XX $1,919.82, XXX HELOC of $303.45, HOI of $67, and taxes of $357.35. This supports primary housing expense used for qualifying and housing ratio.
PITI expense of $4,018.29 for property at XXX was based on XX $2,895.85, HOI/Fire of $133, HOI/Earthquake of $135.25, and taxes of $854.19. This supports positive rental calculation used for this property of $868.17 per month.
PITI expense of $6,377.61 for property atXXX was based on XXX $3,810.05, HOI of $339.09, and taxes of $2,228.47. This supports rental calculation used for this property of $3,325.34 per month.
Rental loss used in calculation for XXX property was -$81.50. Rental loss used in calculation for XXX property was -$3,141.04. - Seller-06/02/2021
Open-File does not contain verification of mortgage payment amount includes escrows for properties at XXX.  Preliminary calculations taken from lender's worksheets in file with final DTI examination pending receipt of same. - Due Diligence Vendor-06/01/2021
Open-File does not contain verification of mortgage payment amount for properties at XXX.  Preliminary calculations taken from lender's worksheets in file with final DTI examination pending receipt of same. - Due Diligence Vendor-06/01/2021
Ready for Review-Disagree. File contained verification of the PITI expense for the properties in question (see attached). Primary housing payment for property at XXX of $2,647.62 was based on WF $1,919.82, XXX HELOC of $303.45, HOI of $67, and taxes of $357.35. This supports primary housing expense used for qualifying and housing ratio.
PITI expense of $4,018.29 for property at XXX was based on XX $2,895.85, HOI/Fire of $133, HOI/Earthquake of $135.25, and taxes of $854.19. This supports positive rental calculation used for this property of $868.17 per month.
PITI expense of $6,377.61 for property at XXX was based on XXX $3,810.05, HOI of $339.09, and taxes of $2,228.47. This supports rental calculation used for this property of $3,325.34 per month.
Rental loss used in calculation for XXX property was -$81.50. Rental loss used in calculation for XXX property was -$3,141.04. - Seller-06/02/2021
 
Resolved-PITIA components provided. - Due Diligence Vendor-06/02/2021
 
 
  
XXX_XXX_REO.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$294,000.00
CA
Investment
Purchase
NA
494459699
    
D
A
A
A
D
A
A
A
Closed
FCOM1229
2021-06-02 15:32
2021-06-02 17:54
Resolved
3 - Material
D
A
Compliance
Missing Doc - Closing Package
1-4 Family Rider is Missing
Resolved-Rider provided as conditioned. - Due Diligence Vendor-06/02/2021
Ready for Review-6/02/2021 Disagree - the 1-4 Family rider had been provided . please review  - Seller-06/02/2021
Open-1-4 Family Rider is Missing - Due Diligence Vendor-05/27/2021
Ready for Review-6/02/2021 Disagree - the 1-4 Family rider had been provided . please review  - Seller-06/02/2021
 
 
Resolved-Rider provided as conditioned. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX XXX- family rider.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$88,000.00
IL
Investment
Purchase
NA
494459699
    
D
A
A
A
D
A
A
A
Closed
FCOM1220
2021-06-02 15:32
2021-06-02 17:53
Resolved
3 - Material
D
A
Compliance
Missing Doc - Closing Package
The Deed of Trust is Missing
Resolved-Provided as conditioned with all riders - Due Diligence Vendor-06/02/2021
Ready for Review-6/2/2021 Disagree - the deed of trust had been provided - please review  - Seller-06/02/2021
Open-The Deed of Trust is Missing - Due Diligence Vendor-05/28/2021
Ready for Review-6/2/2021 Disagree - the deed of trust had been provided - please review  - Seller-06/02/2021
 
 
Resolved-Provided as conditioned with all riders - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX XXX- family rider.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$88,000.00
IL
Investment
Purchase
NA
494459665
    
C
B
C
A
C
A
B
B
Closed
FCOM2275
2021-05-27 19:00
2021-06-02 16:55
Resolved
3 - Material
C
A
Compliance
TRID
Final CD: Loan Amount is missing or is inaccurate
Resolved-Provided as conditioned. - Due Diligence Vendor-06/02/2021
Ready for Review-CD signed at closing - Seller-05/27/2021
Open-SIGNED FINAL CD IS MISSING - Due Diligence Vendor-05/26/2021
 Ready for Review-CD signed at closing - Seller-05/27/2021
 
Resolved-Provided as conditioned. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
funding CD signed.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$297,000.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494459665
    
C
B
C
A
C
A
B
B
Closed
FCRE1440
2021-05-27 17:05
2021-06-02 16:53
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-Provided as conditioned. - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached documentation - copy of note, title showing taxes, insurance and CD showing 2nd was paid off.   Also please see page of appraisal from previous loan on property showing it is SFR, no HOA. - Seller-05/27/2021
Open-Housing History Does Not Meet Guideline Requirements.  Need proof payment to primary residence which looks to be a loan concurrently closing.  2nd mortgage payment of $267.90 was not counted in payment and would need proof that this is also $0 balance.   - Due Diligence Vendor-05/26/2021
 Ready for Review-Please see attached documentation - copy of note, title showing taxes, insurance and CD showing 2nd was paid off.   Also please see page of appraisal from previous loan on property showing it is SFR, no HOA. - Seller-05/27/2021
 
Resolved-Provided as conditioned. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX CD XXX.pdf
XXX note XXX.pdf
XXX ins XXX.pdf
XXX page of appraisal XXX.pdf
XXX title XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$297,000.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494459665
    
C
B
C
A
C
A
B
B
Closed
FPRO1498
2021-05-26 18:44
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/27/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/26/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$297,000.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494458986
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$292,200.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494458730
    
B
B
A
A
B
B
B
B
Closed
FPRO1498
2021-05-19 15:50
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/19/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$378,000.00
CA
Investment
Refinance
Cash Out - Other
494458730
    
B
B
A
A
B
B
B
B
Closed
FCOM8844
2021-05-19 18:07
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/20/2021
Open-CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).  - Due Diligence Vendor-05/19/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$378,000.00
CA
Investment
Refinance
Cash Out - Other
494458490
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-21 13:45
2021-06-07 19:41
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.6) - Due Diligence Vendor-05/21/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$104,000.00
NJ
Investment
Purchase
NA
494458034
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-29 06:01
2021-05-31 15:45
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/29/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$61,625.00
GA
Investment
Purchase
NA
494456477
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-22 14:49
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) - Due Diligence Vendor-05/22/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$135,000.00
FL
Investment
Refinance
Cash Out - Other
494454951
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$300,000.00
OR
Investment
Refinance
Cash Out - Other
494454310
    
C
A
C
A
A
A
C
A
Closed
FCRE1168
2021-05-27 15:37
2021-06-02 17:07
Resolved
3 - Material
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-Hazard Insurance Coverage Amount of $XXX is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $XXX - Due Diligence Vendor-06/02/2021
Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-06/01/2021
Ready for Review-Insurance plus replacement cost estimator - Seller-05/27/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-05/26/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-05/21/2021
 Ready for Review-Insurance plus replacement cost estimator - Seller-05/27/2021
 
Resolved-Hazard Insurance Coverage Amount of $XXX is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $XXX - Due Diligence Vendor-06/02/2021
Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-06/01/2021
 
 
  
Insurance plus replacement Cost.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$319,920.00
FL
Investment
Purchase
NA
494454310
    
C
A
C
A
A
A
C
A
Closed
FPRO5405
2021-05-26 19:17
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/26/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$319,920.00
FL
Investment
Purchase
NA
494454222
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-24 20:42
2021-06-08 12:08
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or -XX% variance. Finding resolved. - Due Diligence Vendor-06/08/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/24/2021
  
Resolved-Desk review provided with a value of $XX or -XX% variance. Finding resolved. - Due Diligence Vendor-06/08/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$232,500.00
NJ
Investment
Refinance
Cash Out - Other
494454221
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-20 00:56
2021-06-07 19:36
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/20/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$326,250.00
NJ
Investment
Refinance
Cash Out - Other
494453992
    
D
A
D
A
A
A
A
A
Closed
FCRE1503
2021-06-02 15:39
2021-06-02 17:56
Resolved
3 - Material
D
A
Credit
Missing Doc - Credit
Mortgage Statement(s) Missing
Resolved-CD provided showing purchase and escrows - Due Diligence Vendor-06/02/2021
Ready for Review-The property at XXX was purchased 03/01/21. See attached Closing Disclosure which documents the terms of the mortgage: $1886.76/month including escrow. - Seller-06/02/2021
Open-Missing documentation of primary residence expense at XXX including PITIA. - Due Diligence Vendor-05/31/2021
Ready for Review-The property at XXX was purchased 03/01/21. See attached Closing Disclosure which documents the terms of the mortgage: $1886.76/month including escrow. - Seller-06/02/2021
 
Resolved-CD provided showing purchase and escrows - Due Diligence Vendor-06/02/2021
 
 
  
XXX_XXX_XXX_XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$126,500.00
IA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494453899
    
C
B
C
A
A
A
B
B
Closed
FCRE1159
2021-05-20 15:01
2021-05-30 05:59
Resolved
3 - Material
C
A
Credit
Insurance
Hazard Insurance Effective Date is after the Note Date
Resolved-Prior hazard insurance policy provided with coverage from 3/XX/2020-3/XX/2021 - Due Diligence Vendor-05/21/2021
Resolved-Hazard Insurance Effective Date of 03-XX-2020 is prior to or equal to the Note Date of 03-XX-2021 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/21/2021
Ready for Review-The Certificate of Insurance with coverage effective of 03-XX-2020 thru 03-XX-2021 was found in file and has been uploaded. - Seller-05/20/2021
Open-Hazard Insurance Effective Date of 03-XX-2021 is after the Note Date of 03-XX-2021 - Due Diligence Vendor-05/18/2021
Ready for Review-The Certificate of Insurance with coverage effective of 03-XX-2020 thru 03-XX-2021 was found in file and has been uploaded. - Seller-05/20/2021
 
 Resolved-Prior hazard insurance policy provided with coverage from 3/XX/2020-3/XX/2021 - Due Diligence Vendor-05/21/2021
 Resolved-Hazard Insurance Effective Date of 03-XX-2020 is prior to or equal to the Note Date of 03-XX-2021 Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-05/21/2021
 
  
XXX XXX - Certificate of Insurance.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$201,200.00
UT
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494453899
    
C
B
C
A
A
A
B
B
Closed
FPRO1498
2021-05-18 13:15
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/18/2021
  
 
 Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$201,200.00
UT
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494453742
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-29 06:06
2021-06-02 00:59
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC is Not Eligible and a third party review product was not provided.   - Due Diligence Vendor-05/29/2021
  
Resolved-Desk review provided with a value of $XXXor XX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$213,900.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494453199
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$348,750.00
FL
Investment
Purchase
NA
494453173
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$525,000.00
MA
Investment
Purchase
NA
494452961
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-19 14:15
2021-05-30 04:36
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.2). Desk review pending. - Due Diligence Vendor-05/19/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.2) - Due Diligence Vendor-05/19/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.2) - Due Diligence Vendor-05/19/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$480,000.00
OR
Investment
Purchase
NA
494452832
    
C
A
C
A
A
A
C
A
Closed
FCRE1186
2021-05-21 21:05
2021-06-08 19:07
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-Audited DTI of 41.93% is less than or equal to AUS DTI of 41.93%  - Due Diligence Vendor-06/08/2021
Resolved-DTI updated using form 1007 for rental income. - Due Diligence Vendor-05/22/2021
Resolved-Audited DTI of 20.35% exceeds AUS DTI of 20.24%  - Due Diligence Vendor-05/22/2021
Ready for Review-Please see attached FNMA guidelines, chart on page 2.  The market rent off the 1007 is what is required to document rental income.  1007 shows  $4600/mo rental income, so 75% ($3450) can be used as qualifying rental income for subject. - Seller-05/21/2021
Open-Audited DTI of 27.81% exceeds AUS DTI of 20.24%.  7.57% variance due to Lender including Rental Income for Subject Property.  No evidence included in file. - Due Diligence Vendor-05/20/2021
Open-7.57% variance due to Lender including Rental Income for Subject Property.  No evidence included in file. - Due Diligence Vendor-05/20/2021
Open-Audited DTI of 27.81% exceeds AUS DTI of 20.24%  - Due Diligence Vendor-05/20/2021
Ready for Review-Please see attached FNMA guidelines, chart on page 2.  The market rent off the 1007 is what is required to document rental income.  1007 shows  $4600/mo rental income, so 75% ($3450) can be used as qualifying rental income for subject. - Seller-05/21/2021
 
 
Resolved-Audited DTI of 41.93% is less than or equal to AUS DTI of 41.93%  - Due Diligence Vendor-06/08/2021
Resolved-DTI updated using form 1007 for rental income. - Due Diligence Vendor-05/22/2021
 Resolved-Audited DTI of 20.35% exceeds AUS DTI of 20.24%  - Due Diligence Vendor-05/22/2021
 
  
XXX XXX FNMA.pdf
XXX XXX 1007.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$723,750.00
CA
Investment
Purchase
NA
494452832
    
C
A
C
A
A
A
C
A
Closed
FPRO9939
2021-05-20 19:02
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) - Due Diligence Vendor-05/20/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$723,750.00
CA
Investment
Purchase
NA
494452429
    
D
A
D
A
D
A
A
A
Closed
FCOM1544
2021-05-26 12:54
2021-06-02 16:01
Resolved
3 - Material
D
A
Compliance
Missing Doc - CD
TRID: Missing Final Closing Disclosure
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
Ready for Review-CD Signed at Closing - Seller-05/26/2021
Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-05/24/2021
 Ready for Review-CD Signed at Closing - Seller-05/26/2021
 
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX Signed CD.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$195,000.00
CA
Investment
Purchase
NA
494452429
    
D
A
D
A
D
A
A
A
Closed
FCRE1145
2021-05-25 19:34
2021-05-30 06:58
Resolved
3 - Material
D
A
Credit
Missing Doc - Title
Title Document Missing
Resolved-Final Title Policy Provided. Finding Resolved. - Due Diligence Vendor-05/30/2021
 Resolved-Title Document is fully Present - Due Diligence Vendor-05/27/2021
Ready for Review-Final Title Policy attached - Seller-05/25/2021
Open-Title Document is missing - Due Diligence Vendor-05/24/2021
Ready for Review-Final Title Policy attached - Seller-05/25/2021
 
 
Resolved-Title Document is fully Present - Due Diligence Vendor-05/27/2021
 
  
Final Title Policy XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$195,000.00
CA
Investment
Purchase
NA
494452146
    
D
A
D
A
A
A
D
A
Closed
FCRE1186
2021-05-25 15:55
2021-05-30 05:54
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
 
Resolved-Client sent updated AUS approval showing full payments for the respective properties being counted and eliminating the need for any further lease or tax return documentation. - Due Diligence Vendor-05/29/2021
Ready for Review-See attached appraisal and 1st payment letter for REO properties. Subject property used appraisal rental amount and cash flow of -342.63. REO at 157,1509, & 1511 was qualified with full PITI. Remaining REO is borrower primary residence, with PITI included in DTI - Seller-05/25/2021
Open-Audited DTI of 30.47% exceeds AUS DTI of 24.16%. Provide documentation for rental income. Reviewer used full payment. - Due Diligence Vendor-05/19/2021
Open-Audited DTI of 30.47% exceeds AUS DTI of 24.16%.   The file is missing the tax returns and the lease agreement for the subject property, unable to accurately determine the rental income.  The full PITI for the subject property was included in the DTI calculation. - Due Diligence Vendor-05/19/2021
Ready for Review-See attached appraisal and 1st payment letter for REO properties. Subject property used appraisal rental amount and cash flow of -342.63. REO at XXX,XXX, & XXX was qualified with full PITI. Remaining REO is borrower primary residence, with PITI included in DTI - Seller-05/25/2021
 
Resolved-Client sent updated AUS approval showing full payments for the respective properties being counted and eliminating the need for any further lease or tax return documentation. - Due Diligence Vendor-05/29/2021
 
  
XXX_XXX Appraisal.pdf
XXX_XXX REO 1507.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$250,000.00
CA
Investment
Refinance
Cash Out - Other
494452146
    
D
A
D
A
A
A
D
A
Closed
FCRE1350
2021-05-25 15:39
2021-05-30 05:53
Resolved
3 - Material
D
A
Credit
Missing Doc - Income
Borrower 2 Personal Tax Returns Missing
 
Resolved-Client sent updated AUS approval showing full payments for the respective properties being counted and eliminating the need for any further lease or tax return documentation. - Due Diligence Vendor-05/29/2021
Ready for Review-See attached appraisal and 1st payment letter for REO properties. Subject property used appraisal rental amount and cash flow of -342.63. REO at 157,1509, & 1511 was qualified with full PITI. Remaining REO is borrower primary residence, with PITI included in DTI - Seller-05/25/2021
Open-Missing tax returns to document rental income. Reviewer unable to determine rental amounts on each property. - Due Diligence Vendor-05/19/2021
Open-Borrower 2 Personal Tax Returns Missing - Due Diligence Vendor-05/18/2021
Ready for Review-See attached appraisal and 1st payment letter for REO properties. Subject property used appraisal rental amount and cash flow of -342.63. REO at XXX,XXX, & XXX was qualified with full PITI. Remaining REO is borrower primary residence, with PITI included in DTI - Seller-05/25/2021
 
 
 Resolved-Client sent updated AUS approval showing full payments for the respective properties being counted and eliminating the need for any further lease or tax return documentation. - Due Diligence Vendor-05/29/2021
  
505547853_XXX Appraisal.pdf
505547853_XXX REO 1507.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$250,000.00
CA
Investment
Refinance
Cash Out - Other
494452146
    
D
A
D
A
A
A
D
A
Closed
FCRE7347
2021-05-25 15:38
2021-05-30 05:53
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing Lease Agreement
Resolved-Client sent updated AUS approval showing full payments for the respective properties being counted and eliminating the need for any further lease or tax return documentation. - Due Diligence Vendor-05/29/2021
Ready for Review-See attached appraisal and 1st payment letter for REO properties. Subject property used appraisal rental amount and cash flow of -342.63. REO at 157,1509, & 1511 was qualified with full PITI. Remaining REO is borrower primary residence, with PITI included in DTI - Seller-05/25/2021
Open-Missing the lease agreement for the subject property.  Unable to accurately determine the rental income/loss for the subject property.  The full PITI was included in the DTI calculations. - Due Diligence Vendor-05/19/2021
Ready for Review-See attached appraisal and 1st payment letter for REO properties. Subject property used appraisal rental amount and cash flow of -342.63. REO at XXX,XXX, & XXX was qualified with full PITI. Remaining REO is borrower primary residence, with PITI included in DTI - Seller-05/25/2021
 
Resolved-Client sent updated AUS approval showing full payments for the respective properties being counted and eliminating the need for any further lease or tax return documentation. - Due Diligence Vendor-05/29/2021
 
  
XXX Appraisal.pdf
XXX REO 1507.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$250,000.00
CA
Investment
Refinance
Cash Out - Other
494452146
    
D
A
D
A
A
A
D
A
Closed
FPRO1244
2021-05-20 13:39
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/20/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$250,000.00
CA
Investment
Refinance
Cash Out - Other
494452051
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-24 20:04
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/24/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/24/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$217,500.00
FL
Investment
Refinance
Rate and Term
494451899
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$126,750.00
NC
Investment
Purchase
NA
494451653
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-24 17:49
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/24/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XX or XX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$435,000.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494451631
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-23 17:22
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-Third party valuation report required. - Due Diligence Vendor-05/23/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$231,300.00
GA
Investment
Purchase
NA
494451616
    
D
A
D
A
A
A
A
A
Closed
FCRE1158
2021-05-27 13:03
2021-06-04 03:16
Resolved
3 - Material
D
A
Credit
Missing Doc - Insurance
Hazard Insurance Policy is Partial
Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/01/2021
Ready for Review-Complete Hazard Insurance Policy has been uploaded. - Seller-05/27/2021
Open-Hazard Insurance Policy Partially Provided - Due Diligence Vendor-05/25/2021
 
 Ready for Review-Complete Hazard Insurance Policy has been uploaded. - Seller-05/27/2021
 
 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/01/2021
 
 
  
XXX - Insurance Policy.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$320,000.00
TX
Investment
Purchase
NA
494451616
    
D
A
D
A
A
A
A
A
Closed
FCRE1168
2021-06-03 20:06
2021-06-04 03:16
Resolved
3 - Material
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-Hazard Insurance Coverage Amount of $XXX is greater than provided Replacement Cost Value of $XXX. Finding resolved. - Due Diligence Vendor-06/04/2021
Ready for Review-Replacement Cost Estimator has been received and uploaded. - Seller-06/03/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-06/01/2021
Ready for Review-Replacement Cost Estimator has been received and uploaded. - Seller-06/03/2021
 
 
Resolved-Hazard Insurance Coverage Amount of $XXX is greater than provided Replacement Cost Value of $XXX. Finding resolved. - Due Diligence Vendor-06/04/2021
 
  
XXX XXX - Replacement Cost Estimator.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$320,000.00
TX
Investment
Purchase
NA
494451331
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$174,375.00
AZ
Investment
Purchase
NA
494451293
    
C
B
A
A
A
A
C
B
Closed
FPRO5405
2021-05-25 19:40
2021-06-02 01:14
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/25/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$412,000.00
CA
Investment
Refinance
Rate and Term
494451293
    
C
B
A
A
A
A
C
B
Closed
FPRO1498
2021-05-25 19:28
2021-06-02 01:13
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/26/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/25/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$412,000.00
CA
Investment
Refinance
Rate and Term
494451282
    
D
B
A
A
B
B
D
A
Closed
FPRO1244
2021-05-29 19:38
2021-06-01 19:30
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-CU score was not provided on DU approved loan. - Due Diligence Vendor-05/29/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$489,000.00
CA
Investment
Refinance
Cash Out - Other
494451282
    
D
B
A
A
B
B
D
A
Closed
FCOM8844
2021-05-29 19:33
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
Open-Loan would have eligible as GSE SH. - Due Diligence Vendor-05/30/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file.
 - Due Diligence Vendor-05/29/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$489,000.00
CA
Investment
Refinance
Cash Out - Other
494451244
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-21 15:05
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/27/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/21/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$185,650.00
CA
Investment
Refinance
No Cash Out - Lender Initiated
494451136
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-28 21:22
2021-05-31 15:21
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$249,750.00
NC
Investment
Purchase
NA
494450745
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-30 17:38
2021-06-01 15:21
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4) - Due Diligence Vendor-05/30/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$161,990.00
TX
Investment
Purchase
NA
494450607
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$178,000.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494450543
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$273,750.00
CA
Investment
Purchase
NA
494450505
    
C
B
A
A
A
A
C
B
Closed
FPRO7466
2021-05-19 01:32
2021-05-30 04:33
Resolved
1 - Information
C
A
Property
Third Party Valuation
AVM Value(s) Do Not Adhere To Tolerance Criteria
Resolved-Exterior Only Appraisal was provided resulting in a value within a 10% tolerance. Finding resolved. - Due Diligence Vendor-05/30/2021
 Resolved-Exterior Only Appraisal was provided resulting in a value within a 10% tolerance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-AVM value is $XXX or -XXX% variance. Exterior only appraisal pending. - Due Diligence Vendor-05/19/2021
  
Resolved-Exterior Only Appraisal was provided resulting in a value within a 10% tolerance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$333,000.00
CA
Investment
Refinance
Rate and Term
494450505
    
C
B
A
A
A
A
C
B
Closed
FPRO1498
2021-05-18 15:06
2021-05-30 04:33
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/18/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$333,000.00
CA
Investment
Refinance
Rate and Term
494450473
    
D
A
A
A
A
A
D
A
Closed
FCRE6546
2021-06-07 15:16
2021-06-07 15:34
Resolved
3 - Material
D
A
Property
Missing Doc
Missing legal documents for senior or subordinate lien
Resolved-Documents provided to verify lien payoff is for subject property. - Due Diligence Vendor-06/07/2021
Ready for Review-See attached AUS findings showing payoff toXXX is included as FNMA HomeEnergy refi limited C/O. Also provided is copy of FNMA guideline outlining acceptable terms for subject transaction  - Seller-06/07/2021
Open-Payoff of on Final CD to XXX for $XXX. Lien is not reflected on preliminary title, application, or credit report. Unable to determine if borrower is paying off a purchase money second, equity line, or another properties lien. If non purchase money second subject loan would be considered a cash out refinance. No business use of funds letter provided.  - Due Diligence Vendor-05/20/2021
Ready for Review-See attached AUS findings showing payoff to XXX is included as FNMA HomeEnergy refi limited C/O. Also provided is copy of FNMA guideline outlining acceptable terms for subject transaction  - Seller-06/07/2021
 
Resolved-Documents provided to verify lien payoff is for subject property. - Due Diligence Vendor-06/07/2021
 
 
 
 
  
XXX_XXX_AUS.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$509,500.00
CA
Investment
Refinance
Cash Out - Other
494450363
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-20 16:45
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or -XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.2) - Due Diligence Vendor-05/20/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or -XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$201,750.00
NV
Investment
Purchase
NA
494450291
    
D
B
D
A
C
B
A
A
Closed
FCOM7646
2021-05-28 18:22
2021-06-03 14:22
Acknowledged
3 - Material
B
B
Compliance
QM-ATR
Originator QM Designation Differs From Final QM Status
 
Acknowledged-Full regulatory testing was completed.  Issue found with fee disclosures but no issues with loan being valid as GSE SH. - Due Diligence Vendor-05/29/2021
Open-Originator QM Designation Of ATR/QM: Not Applicable Differs From Final QM Status Of ATR/QM: Status Pending.  the cash out letter in the file states the borrower will use a portion of the cash out to create reserves in an emergency fund. - Due Diligence Vendor-05/28/2021
  
 
 Acknowledged-Full regulatory testing was completed.  Issue found with fee disclosures but no issues with loan being valid as GSE SH. - Due Diligence Vendor-05/29/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$138,960.00
LA
Investment
Refinance
Cash Out - Other
494450291
    
D
B
D
A
C
B
A
A
Closed
finding-3652
2021-06-01 11:43
2021-06-02 17:07
Resolved
3 - Material
C
A
Compliance
TRID
Lender Credits That Cannot Decrease Test
Resolved-COC provided as required - Due Diligence Vendor-06/02/2021
Ready for Review-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($879.62) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,095.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-06/02/2021
Ready for Review-6/1/2021 Disagree - the compensation plan changed from borrower paid to lender paid .COC provided  - Seller-06/01/2021
Open-The lender credit decreased from $1,402.00 to $1,095.00 with no acceptable change of circumstance provided. - Due Diligence Vendor-05/28/2021
Open-This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($879.62) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,402.00). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/28/2021
 Ready for Review-6/1/2021 Disagree - the compensation plan changed from borrower paid to lender paid .COC provided  - Seller-06/01/2021
 
Resolved-COC provided as required - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX XXX COC.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$138,960.00
LA
Investment
Refinance
Cash Out - Other
494450291
    
D
B
D
A
C
B
A
A
Closed
FCRE7497
2021-06-01 11:48
2021-06-02 16:56
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-MTG stmt provided showing property is escrowed monthly - Due Diligence Vendor-06/02/2021
Ready for Review-6/1: Attached is a copy of the mortgage billing statement for the property at XXX confirming the payment includes escrows for taxes and insurance. Also attached you will find a copy of the HOI policy, tax certificate, and first page of the appraisal confirming no HOA dues on the property. - Seller-06/01/2021
Open-Missing verification on property taxes for XXX. - Due Diligence Vendor-05/28/2021
Ready for Review-6/1: Attached is a copy of the mortgage billing statement for the property at XXX confirming the payment includes escrows for taxes and insurance. Also attached you will find a copy of the HOI policy, tax certificate, and first page of the appraisal confirming no HOA dues on the property. - Seller-06/01/2021
 
Resolved-MTG stmt provided showing property is escrowed monthly - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_XXX_REO_PITIA.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$138,960.00
LA
Investment
Refinance
Cash Out - Other
494450175
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-28 21:06
2021-06-02 00:55
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
Open-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$281,000.00
TX
Investment
Purchase
NA
494450135
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$233,000.00
NV
Investment
Refinance
Cash Out - Other
494450066
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-20 15:59
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/21/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX0 or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$91,500.00
TX
Investment
Purchase
NA
494450018
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$249,750.00
MN
Investment
Purchase
Rate and Term
494449933
    
D
A
C
A
A
A
D
A
Closed
FCRE1191
2021-05-27 17:42
2021-06-02 15:30
Resolved
3 - Material
C
A
Credit
Eligibility
Audited Reserves are less than AUS Required Reserves (Dollar Amount)
Resolved-Audited Reserves of XXX are greater than or equal to AUS Required Reserves of XXX - Due Diligence Vendor-06/02/2021
Ready for Review-AUS required reserves are $XXX, see attached, the $XXX refers to total funds to be verified - reserves and cash to close both.  Please also see attached sale CD for evidence of additional assets. - Seller-05/27/2021
Open-Audited Reserves of XXX are less than AUS Required Reserves of 304573. Missing documentation of borrowed funds sufficient to closing. - Due Diligence Vendor-05/27/2021
Open-Audited Reserves of XXX are less than AUS Required Reserves of XXX3. Missing documentation of borrowed funds sufficient to closing. - Due Diligence Vendor-05/26/2021
 Ready for Review-AUS required reserves are $XXX, see attached, the $XXX refers to total funds to be verified - reserves and cash to close both.  Please also see attached sale CD for evidence of additional assets. - Seller-05/27/2021
 
Resolved-Audited Reserves of XXX are greater than or equal to AUS Required Reserves of XXX - Due Diligence Vendor-06/02/2021
 
 
  
XXX AUS.PDF
XXX Refi.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$429,000.00
CA
Investment
Purchase
NA
494449933
    
D
A
C
A
A
A
D
A
Closed
FPRO1244
2021-05-27 03:22
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
Open-Third party review product required. - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$429,000.00
CA
Investment
Purchase
NA
494449118
    
C
B
C
B
C
B
A
A
Closed
FCOM7646
2021-06-01 17:38
2021-06-08 18:42
Resolved
3 - Material
C
A
Compliance
QM-ATR
Originator QM Designation Differs From Final QM Status
Resolved-Originator QM Designation Of ATR/QM: Not Applicable Matches Final QM Status Of ATR/QM: Not Applicable - Due Diligence Vendor-06/08/2021
Acknowledged-Updated AUS provided with DTI 45.4% - Due Diligence Vendor-06/02/2021
Ready for Review-Agree with finding: Please see updated AUS included the Student loan that was not included - Seller-06/01/2021
Open-Originator QM Designation Of QM: Safe Harbor (SH) Differs From Final QM Status Of Non-QM: Lender documented all ATR UW factors. DTI exceeds 43% - Due Diligence Vendor-05/26/2021
Ready for Review-Agree with finding: Please see updated AUS included the Student loan that was not included - Seller-06/01/2021
 
 
Resolved-Originator QM Designation Of ATR/QM: Not Applicable Matches Final QM Status Of ATR/QM: Not Applicable - Due Diligence Vendor-06/08/2021
 Acknowledged-Updated AUS provided with DTI 45.4% - Due Diligence Vendor-06/02/2021
 
 
  
XXX - XXX - AUS.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$142,500.00
GA
Investment
Refinance
Cash Out - Other
494449118
    
C
B
C
B
C
B
A
A
Closed
finding-3476
2021-06-01 17:38
2021-06-08 18:42
Resolved
2 - Non-Material
C
A
Credit
QM/ATR
Qualified Mortgage DTI Threshold Test
Resolved-Loan Passes Qualified Mortgage DTI Threshold Test (Originator QM Designation is ATR/QM: Not Applicable and Qualifying /DTI is 46.85% - Due Diligence Vendor-06/08/2021
Resolved-Loan Passes Qualified Mortgage DTI Threshold Test (Originator QM Designation is ATR/QM: Not Applicable and Qualifying /DTI is 45.40% - Due Diligence Vendor-06/08/2021
Acknowledged-Updated AUS provided with new DTI 45.4%. - Due Diligence Vendor-06/02/2021
Ready for Review-Agree with finding: Please see updated AUS included the Student loan that was not included - Seller-06/01/2021
Open-Loan Fails Qualified Mortgage DTI Threshold Test (Originator QM Designation is QM: Safe Harbor (SH) and Qualifying DTI is 45.40% - Due Diligence Vendor-05/26/2021
Ready for Review-Agree with finding: Please see updated AUS included the Student loan that was not included - Seller-06/01/2021
 
 
Resolved-Loan Passes Qualified Mortgage DTI Threshold Test (Originator QM Designation is ATR/QM: Not Applicable and Qualifying /DTI is 46.85% - Due Diligence Vendor-06/08/2021
 Resolved-Loan Passes Qualified Mortgage DTI Threshold Test (Originator QM Designation is ATR/QM: Not Applicable and Qualifying /DTI is 45.40% - Due Diligence Vendor-06/08/2021
  Acknowledged-Updated AUS provided with new DTI 45.4%. - Due Diligence Vendor-06/02/2021
 
 
  
XXX - XXX - AUS.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$142,500.00
GA
Investment
Refinance
Cash Out - Other
494449118
    
C
B
C
B
C
B
A
A
Closed
FCRE1186
2021-06-01 17:38
2021-06-03 15:55
Acknowledged
2 - Non-Material
C
B
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Acknowledged-Updated AUS provided with DTI 45.4% - Due Diligence Vendor-06/02/2021
Ready for Review-Agree with finding: Please see updated AUS included the Student loan that was not included - Seller-06/01/2021
Open-Audited DTI of 45.4% exceeds AUS DTI of 43.69% due to consumer debt. Review captured total monthly consumer debt of $2186.06 versus DU of $2007.79 - Due Diligence Vendor-05/26/2021
Open-Audit DTI of 73.70% exceeds AUD DTI of 43.69% - Due Diligence Vendor-05/26/2021
Ready for Review-Agree with finding: Please see updated AUS included the Student loan that was not included - Seller-06/01/2021
 
 
 Acknowledged-Updated AUS provided with DTI 45.4% - Due Diligence Vendor-06/02/2021
 
  
XXX - XXX - AUS.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$142,500.00
GA
Investment
Refinance
Cash Out - Other
494449118
    
C
B
C
B
C
B
A
A
Closed
FCOM8844
2021-05-26 16:11
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true - Due Diligence Vendor-05/27/2021
Open-CD shows that, after payoff of subject liens, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file.
 - Due Diligence Vendor-05/26/2021
  
 Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$142,500.00
GA
Investment
Refinance
Cash Out - Other
494448844
    
D
A
D
A
A
A
D
A
Closed
FCRE7497
2021-05-25 16:42
2021-06-02 16:20
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-MTG stmts provided showing all properties are escrowed - Due Diligence Vendor-06/02/2021
Ready for Review-See attached mortgage statements for all REO properties requested showing taxes and insurance escrowed. - Seller-05/25/2021
Open-Missing verification of taxes and insurance for the following rental properties:
 
1- XXX
2- XXX
3- XXX
4- XXX
5- XXX - Due Diligence Vendor-05/24/2021
 Ready for Review-See attached mortgage statements for all REO properties requested showing taxes and insurance escrowed. - Seller-05/25/2021
 
Resolved-MTG stmts provided showing all properties are escrowed - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_XXX_ REO 12605.pdf
XXX_XXX_ REO 11009.pdf
XXX_XXX_ REO 10702.pdf
XXX_XXX_ REO 2316.pdf
XXX_XXX_ REO 9707.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$281,000.00
TX
Investment
Purchase
NA
494448844
    
D
A
D
A
A
A
D
A
Closed
FPRO1244
2021-05-25 00:48
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/25/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$281,000.00
TX
Investment
Purchase
NA
494448527
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-25 01:45
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/25/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$431,250.00
OR
Investment
Purchase
NA
494448305
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-27 04:04
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX orXXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$233,250.00
NV
Investment
Purchase
NA
494448166
    
C
A
C
A
A
A
A
A
Closed
FCRE1168
2021-06-01 13:34
2021-06-01 15:56
Resolved
3 - Material
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-Replacement cost provided. - Due Diligence Vendor-06/01/2021
Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-06/01/2021
Ready for Review-Replacement Cost Estimator has been received and uploaded. - Seller-06/01/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-05/27/2021
Ready for Review-Replacement Cost Estimator has been received and uploaded. - Seller-06/01/2021
 
 
Resolved-Replacement cost provided. - Due Diligence Vendor-06/01/2021
 Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXXXXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXXXXX - Due Diligence Vendor-06/01/2021
 
 
  
XXX - Replacement Cost Estimator.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$651,000.00
CA
Investment
Refinance
Rate and Term
494447916
    
C
A
C
A
A
A
A
A
Closed
FCRE1148
2021-05-28 23:21
2021-06-07 20:40
Resolved
1 - Information
C
A
Credit
Title
Title Coverage is Less than Subject Lien(s) Total
Resolved-Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/07/2021
Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/28/2021
  
Resolved-Title Coverage Amount of $XXXXXXis equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-06/07/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$442,000.00
TX
Investment
Purchase
NA
494447916
    
C
A
C
A
A
A
A
A
Closed
FCRE1168
2021-06-04 16:19
2021-06-05 03:12
Resolved
1 - Information
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-Hazard Insurance Coverage Amount of $XXX is greater than Replacement Cost Value of $293,834. - Due Diligence Vendor-06/05/2021
Ready for Review-Replacement Cost Estimator  - Seller-06/04/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $0 - Due Diligence Vendor-05/28/2021
Ready for Review-Replacement Cost Estimator  - Seller-06/04/2021
 
 
Resolved-Hazard Insurance Coverage Amount of $XXX is greater than Replacement Cost Value of $XXX. - Due Diligence Vendor-06/05/2021
 
  
XXX - RCE - XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$442,000.00
TX
Investment
Purchase
NA
494447392
    
D
A
D
A
A
A
C
A
Closed
FCRE1316
2021-05-25 18:54
2021-06-02 15:32
Resolved
3 - Material
D
A
Credit
Missing Doc - Employment
Borrower 1 3rd Party VOE Prior to Close Missing
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached - they verified via XXX, note first entry is for the Florida division of corporations (expanded version also attached).  Business bank statement also attached showing deposits within 20 days of close. - Seller-05/25/2021
Open-Borrower 1 3rd Party VOE Prior to Close Missing. Verification of business existence through a third party source dated no more than 120 days prior to consummation is required. - Due Diligence Vendor-05/25/2021
 Ready for Review-Please see attached - they verified via XXX, note first entry is for the Florida division of corporations (expanded version also attached).  Business bank statement also attached showing deposits within 20 days of close. - Seller-05/25/2021
 
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX .pdf
XXX bank statement.pdf
XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$225,000.00
FL
Investment
Refinance
Cash Out - Other
494447392
    
D
A
D
A
A
A
C
A
Closed
FPRO5405
2021-05-23 05:51
2021-06-02 01:02
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or 0XXX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/23/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$225,000.00
FL
Investment
Refinance
Cash Out - Other
494446894
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-20 16:23
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX orXXX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/20/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$652,500.00
NY
Investment
Purchase
NA
494446855
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$302,200.00
WA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494446853
    
D
A
D
A
A
A
A
A
Closed
FCRE1437
2021-06-01 13:11
2021-06-02 17:09
Resolved
3 - Material
C
A
Credit
Income
Income and Employment Do Not Meet Guidelines
Resolved-XXX provided showing prior income as required. - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached XXX - Seller-06/01/2021
Open-Income and Employment Do Not Meet Guidelines due to missing two years W2s or WVOE form 1005 as required per AUS.  - Due Diligence Vendor-05/25/2021
Ready for Review-Please see attached XXXr - Seller-06/01/2021
 
Resolved-XXX provided showing prior income as required. - Due Diligence Vendor-06/02/2021
 
 
  
XXX - XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$310,000.00
OR
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494446853
    
D
A
D
A
A
A
A
A
Closed
FCRE1328
2021-06-01 13:10
2021-06-02 17:08
Resolved
3 - Material
D
A
Credit
Missing Doc - Income
Borrower 1 W2/1099 Missing
Resolved-XXX provided showing prior 2 years income - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached XXX - Seller-06/01/2021
Open-Borrower 1 W2/1099 Missing. AUS requires two years W2s or WVOE. - Due Diligence Vendor-05/26/2021
Ready for Review-Please see attached XXX - Seller-06/01/2021
 
Resolved-XXX provided showing prior 2 years income - Due Diligence Vendor-06/02/2021
 
 
  
XXX - XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$310,000.00
OR
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494446605
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-22 13:17
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXXXXXor XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/22/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$82,500.00
OH
Investment
Purchase
NA
494446462
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$403,125.00
OR
Investment
Purchase
NA
494446344
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$102,400.00
FL
Investment
Purchase
NA
494445897
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$262,500.00
CA
Investment
Purchase
NA
494445784
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$165,000.00
TX
Investment
Purchase
NA
494445629
    
C
A
C
A
A
A
A
A
Closed
FCRE1186
2021-06-07 17:45
2021-06-07 20:32
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-1007 form provided for rental income calculation - Due Diligence Vendor-06/07/2021
Resolved-Audited DTI of 26.69% is less than or equal to AUS DTI of 30.65%  - Due Diligence Vendor-06/07/2021
Resolved-Audited DTI of 22.64% is less than or equal to AUS DTI of 23.41%  - Due Diligence Vendor-06/07/2021
Ready for Review-Please see attached 1007 form showing that the subject property is expected to be rent in the amount of $3,300. Applying the 25% vacancy factor, the rental income used to offset the monthly PITIA is $2,475.
Monthly PITIA = $3,192.
Total negative rental cash flow = 717.33
 
Total Income = 8153.46
Housing payment (1228.96) + Regular liabilities (741) + Total negative cash flow from subject property and other property (  770) = Total monthly obligation ( 2740.79)
DTI = $2,740/$8,153= 33.615%. The 3% difference in DTI calculation is within tolerance range. Re-submission is not required.
 - Seller-06/07/2021
Open-Variance due to Lender including a total monthly Net Rental Loss for  the Subject of$-475.33 vs. Full PITIA of $-2,418.75.  No evidence of rental income applied to offset the total PITIA for the subject (purchase) in file. - Due Diligence Vendor-05/31/2021
Open-Audited DTI of 43.60% exceeds AUS DTI of 30.65%  - Due Diligence Vendor-05/31/2021
Ready for Review-Please see attached 1007 form showing that the subject property is expected to be rent in the amount of $3,300. Applying the 25% vacancy factor, the rental income used to offset the monthly PITIA is $2,475.
Monthly PITIA = $3,192.
Total negative rental cash flow = 717.33
 
Total Income = 8153.46
Housing payment (1228.96) + Regular liabilities (741) + Total negative cash flow from subject property and other property (  770) = Total monthly obligation ( 2740.79)
DTI = $2,740/$8,153= 33.615%. The 3% difference in DTI calculation is within tolerance range. Re-submission is not required.
 - Seller-06/07/2021
 
 
Resolved-1007 form provided for rental income calculation - Due Diligence Vendor-06/07/2021
 Resolved-Audited DTI of 26.69% is less than or equal to AUS DTI of 30.65%  - Due Diligence Vendor-06/07/2021
 Resolved-Audited DTI of 22.64% is less than or equal to AUS DTI of 23.41%  - Due Diligence Vendor-06/07/2021
 
  
XXX - XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$395,272.00
FL
Investment
Purchase
NA
494445626
    
C
A
C
A
A
A
C
A
Closed
FCRE1143
2021-06-07 14:43
2021-06-07 15:05
Resolved
3 - Material
C
A
Credit
Eligibility
HOA is in control of builder
Resolved-CPM provided and meets FNMA eligibility. - Due Diligence Vendor-06/07/2021
Ready for Review-6/7: Disagree. Control of HOA is not required to be turned over to the unit owners on Fannie Mae Type R Condo Projects. It would be required if a limited review had been performed, but a full review was completed. Subject property is an attached condo unit in a new project. One of the characteristics that define a new condo project is when HOA still in the developer's control. The project review method used for approval is based on the unit and project type. Attached condo units in a new or newly converted project require a Full Review (completed with or without using Condo Project Manager (CPM) or Fannie Mae Review through the standard Project Eligibility Review Service (PERS) process. A Full Review completed with Condo Project Manager (CPM) was the method used for approval of the subject. See attached Lender CPM approval with expiration date of 9/8/2021 to evidence the project/property meets Fannie Mae eligibility requirements.  - Seller-06/07/2021
Open-HOA is in control of builder - Due Diligence Vendor-06/01/2021
Open-HOA is in control of builder.  per the appraisal the condo development is a new complex which is under construction with no units that have closed escrow therefore the developer still owns 186 units. - Due Diligence Vendor-06/01/2021
Ready for Review-6/7: Disagree. Control of HOA is not required to be turned over to the unit owners on Fannie Mae Type R Condo Projects. It would be required if a limited review had been performed, but a full review was completed. Subject property is an attached condo unit in a new project. One of the characteristics that define a new condo project is when HOA still in the developer's control. The project review method used for approval is based on the unit and project type. Attached condo units in a new or newly converted project require a Full Review (completed with or without using Condo Project Manager (CPM) or Fannie Mae Review through the standard Project Eligibility Review Service (PERS) process. A Full Review completed with Condo Project Manager (CPM) was the method used for approval of the subject. See attached Lender CPM approval with expiration date of 9/8/2021 to evidence the project/property meets Fannie Mae eligibility requirements.  - Seller-06/07/2021
 
 
Resolved-CPM provided and meets FNMA eligibility. - Due Diligence Vendor-06/07/2021
 
 
  
XXX_XXX_CondoCertification.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$246,218.00
NV
Investment
Purchase
NA
494445626
    
C
A
C
A
A
A
C
A
Closed
FPRO9939
2021-06-01 15:45
2021-06-02 00:52
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.1) - Due Diligence Vendor-06/01/2021
  
Resolved-Desk review provided with a value of $XXXXXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$246,218.00
NV
Investment
Purchase
NA
494445609
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$187,500.00
TX
Investment
Purchase
NA
494445430
    
C
B
C
B
A
A
A
A
Closed
FCRE1186
2021-05-26 17:23
2021-06-02 14:48
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-Bank statement provided showing XXX was paid off in full. - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached bank statement showing a payment in the amount of $4,738.98 for XXX. XXX Balance as of 12/20 (last active in the credit report) was $5,602. Considering that the borrower has no late payment, The balance would be as of February ($5,602- 882 = $4,720). Balance in addition to interest would equal the payment made in the amount of $4,738.98. - Seller-05/26/2021
Open-Audited DTI of 52.57% exceeds AUS DTI of 44.49%. XXX payment in the amount of $441 was excluded from DTI calculations at origination. Evidence of debt payoff was not provided.  - Due Diligence Vendor-05/24/2021
Ready for Review-Please see attached bank statement showing a payment in the amount of $4,738.98 for XXX. XXX Balance as of 12/20 (last active in the credit report) was $5,602. Considering that the borrower has no late payment, The balance would be as of February ($5,602- 882 = $4,720). Balance in addition to interest would equal the payment made in the amount of $4,738.98. - Seller-05/26/2021
 
Resolved-Bank statement provided showing XXX was paid off in full. - Due Diligence Vendor-06/02/2021
 
 
  
XXX - XXX - Bank Statement.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$268,800.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494445430
    
C
B
C
B
A
A
A
A
Closed
FCRE1159
2021-05-25 16:24
2021-05-30 06:47
Acknowledged
2 - Non-Material
C
B
Credit
Insurance
Hazard Insurance Effective Date is after the Note Date
Acknowledged-Finding acknowledged. XXX has a Vendor XX and in the event of a gap in coverage any claims would have been covered during that 1 day window. - Due Diligence Vendor-05/30/2021
 Ready for Review-XX has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 1 day window. There are no claims reported for this period of time from 03/XX/2021 to 03/xX/2021. - Seller-05/25/2021
Open-Hazard Insurance Effective Date of 03-XX-2021 is after the Note Date of 03-XX-2021 - Due Diligence Vendor-05/21/2021
Ready for Review-XXXr has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 1 day window. There are no claims reported for this period of time from 03/XX/2021 to 03/XX/2021. - Seller-05/25/2021
 
Acknowledged-Finding acknowledged. XXX has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 1 day window. - Due Diligence Vendor-05/30/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$268,800.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494444842
    
C
A
C
A
A
A
A
A
Closed
FCRE1440
2021-06-04 20:40
2021-06-07 13:54
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-Final CD to verify primary housing expense provided. - Due Diligence Vendor-06/07/2021
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/07/2021
Ready for Review-See attached Closing Disclosure from the refinance of the primary residence located at XXX  Total monthly payment (including taxes and insurance) is $2,340.08 and is less than the present housing expense of $2,400.08 used to qualify on the AUS findings. - Seller-06/04/2021
Open-Housing History Does Not Meet Guideline Requirements.  Need Closing Disclosure or mortgage statement for concurrent closing of primary residence to evidence payment.   - Due Diligence Vendor-05/28/2021
Ready for Review-See attached Closing Disclosure from the refinance of the primary residence located at XXX.  Total monthly payment (including taxes and insurance) is $2,340.08 and is less than the present housing expense of $2,400.08 used to qualify on the AUS findings. - Seller-06/04/2021
 
Resolved-Final CD to verify primary housing expense provided. - Due Diligence Vendor-06/07/2021
 
 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/07/2021
 
 
 
 
  
XXX_PrimaryResidencePayment.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$212,210.00
NV
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494444793
    
C
B
C
A
B
B
C
A
Closed
FCRE1440
2021-06-01 18:17
2021-06-02 17:21
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-Provided as conditioned. - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached mortgage coupon showing a monthly payment (P+I) in the amount of $1,204.31
Annual Property Tax in the amount of $6,560.14 (monthly = 547)
Annual HOI $862 (Monthly 71.83)
PITI= $1,823 - Seller-06/01/2021
Open-Housing History Does Not Meet Guideline Requirements.  Need proof of mortgage payment for primary residence concurrently closing.   - Due Diligence Vendor-05/27/2021
Ready for Review-Please see attached mortgage coupon showing a monthly payment (P+I) in the amount of $1,204.31
Annual Property Tax in the amount of $6,560.14 (monthly = 547)
Annual HOI $862 (Monthly 71.83)
PITI= $1,823 - Seller-06/01/2021
 
 
Resolved-Provided as conditioned. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX - XXX - HOI Primary Residence.pdf
XXX - XXX - Mortgage Coupon.pdf
XXX - XXX - Property Tax.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$468,200.00
CA
Investment
Refinance
Cash Out - Debt Consolidation
494444793
    
C
B
C
A
B
B
C
A
Closed
FPRO5405
2021-05-26 19:44
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$468,200.00
CA
Investment
Refinance
Cash Out - Debt Consolidation
494444793
    
C
B
C
A
B
B
C
A
Closed
FCOM8844
2021-05-26 19:40
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 Acknowledged-Full compliance testing was completed and would validate that the loan would be GSE SH. - Due Diligence Vendor-05/26/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). - Due Diligence Vendor-05/26/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 
 
 Acknowledged-Full compliance testing was completed and would validate that the loan would be GSE SH. - Due Diligence Vendor-05/26/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$468,200.00
CA
Investment
Refinance
Cash Out - Debt Consolidation
494444776
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$289,500.00
OR
Investment
Purchase
NA
494444698
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-28 13:48
2021-05-31 15:05
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$248,500.00
NV
Investment
Refinance
Rate and Term
494444695
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-21 21:51
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/21/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$619,000.00
CA
Investment
Refinance
Cash Out - Other
494444645
    
C
A
C
A
A
A
C
A
Closed
FPRO5405
2021-06-01 16:42
2021-06-03 16:28
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX orXXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-06/01/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$373,000.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494444645
    
C
A
C
A
A
A
C
A
Closed
FCRE1186
2021-06-03 12:30
2021-06-03 16:28
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-Audited DTI of 37.93% exceeds AUS DTI of 37%  - Due Diligence Vendor-06/03/2021
 
Ready for Review-While it is agreed the net rental income on the Cambridge property should be $4,358.61, we disagree on the subject property cash flow. According to the appraisal, the subject property was purchased in May 2020. The 2020 Schedule E reflects 200 fair rental days. Therefore, the net cash flow calculation should be over 6.67 months, not 12, or $4,542.29. Total income is $12,722.15 (SE $3,821.25 + $4,358.61 + $4,542.29). Total debt: $4,990.74 (primary residence $4394.74 + credit report debt $596). The revised debt ratio of 39.23% is within the allowable tolerance of the $37% on the AUS; resubmission is not required. A net rental worksheet, Schedule E and summary page have been uploaded. - Seller-06/03/2021
 
Open-Discrepancy of borrower's income. Final 1003 reflects $10831.98 in positive net rental income versus calculated income of $4358.61 on non subject REO and $1532.23 for subject property. Transmittal reflects rental income of $4217.98 and "other income" of $6614 not listed on final 1003. - Due Diligence Vendor-06/01/2021
 
Open-Audited DTI of 50% exceeds AUS DTI of 37%  - Due Diligence Vendor-06/01/2021
 
Open-Discrepancy of borrower's income. Final 1003 reflects $10831.98 in positive net rental income versus calculated income of $4358.61 on non subject REO and $1532.23 for subject property. Transmittal reflects rental income of $4217.98 and "other income" of $6614 not listed on final 1003. - Due Diligence Vendor-06/01/2021
 
Open-Audited DTI of 50% exceeds AUS DTI of 37%. - Due Diligence Vendor-06/01/2021
 
Open-Audited DTI of 50% exceeds AUS DTI of 37%  - Due Diligence Vendor-06/01/2021
Ready for Review-While it is agreed the net rental income on the XXX property should be $4,358.61, we disagree on the subject property cash flow. According to the appraisal, the subject property was purchased in May 2020. The 2020 Schedule E reflects 200 fair rental days. Therefore, the net cash flow calculation should be over 6.67 months, not 12, or $4,542.29. Total income is $12,722.15 (SE $3,821.25 + $4,358.61 + $4,542.29). Total debt: $4,990.74 (primary residence $4394.74 + credit report debt $596). The revised debt ratio of 39.23% is within the allowable tolerance of the $37% on the AUS; resubmission is not required. A net rental worksheet, Schedule E and summary page have been uploaded. - Seller-06/03/2021
 
Resolved-Audited DTI of 37.93% exceeds AUS DTI of 37%  - Due Diligence Vendor-06/03/2021
 
 
  
XXX_XXX_NetRentalIncome.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$373,000.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494444608
    
C
A
C
A
A
A
C
A
Closed
FCRE1491
2021-05-27 16:20
2021-06-02 13:30
Cured
3 - Material
C
A
Credit
Assets
Asset Qualification Does Not Meet Guideline Requirements
Cured-CD provided showing proceeds as required for asset fulfillment. - Due Diligence Vendor-06/02/2021
Ready for Review-See attached final CD from REO refi showing proceeds of 180k - Seller-05/27/2021
Open-Asset Qualification Does Not Meet Guideline Requirements. Missing Final CD documenting cash out refinance of other property to document sufficient funds to close. - Due Diligence Vendor-05/27/2021
 Ready for Review-See attached final CD from REO refi showing proceeds of 180k - Seller-05/27/2021
 
Cured-CD provided showing proceeds as required for asset fulfillment. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_CD.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$122,000.00
MS
Investment
Purchase
NA
494444608
    
C
A
C
A
A
A
C
A
Closed
FPRO5405
2021-05-27 00:32
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX orXXX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$122,000.00
MS
Investment
Purchase
NA
494444548
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-19 02:01
2021-06-04 13:25
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXXor XXX% variance. Finding resolved. - Due Diligence Vendor-06/04/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/19/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/04/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$100,000.00
IA
Investment
Purchase
NA
494444487
    
C
A
C
A
A
A
A
A
Closed
FCRE1440
2021-06-07 15:30
2021-06-07 15:55
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/07/2021
Ready for Review-Document were originally uploaded to the bulletin board for this loan, they are attached here again - Seller-06/07/2021
Open-Condition remains open as no documentation was provided to confirm wiht the comments of the breakdown. - Due Diligence Vendor-06/02/2021
Ready for Review-Rental Property located at XXX Agree with finding. Mortgage coupon shows a monthly payment including tax and insurance in the amount of $1173 in addition to $44 for HOA ( Total is $1,217) the net cash flow generated from rental property is $145.58 ( Please see attachment).
Primary Hosuing: Please see attached property tax statement showing annual property tax in the amount of $4,164 ( Monthly $345.5)
Although the insurance for the primary residence was not in the file, the monthly amount could be up to $127 using the qualifying primary residence housing payment of $2,273 ($1,581 P&I + $345 taxes + up to $127 insurance + $220 HOA)
 
Housing Payment $2,273+ negative subject net cash flow $1,121+ monthly debt $314.01 = Total monthly obligation $3,709
Base Income  $11,000 + Positive rental cash flow 145.58 = total income = $11,145.58
DTI = 33.285%. Calculated DTI is higher than AUS DTI by less than 3% and is still with tolerance range.  - Seller-06/01/2021
Open-Housing History Does Not Meet Guideline Requirements. Need documentation supporting PITI payment for retained rental property. Mortgage statement shows payment of $1173 but REO and rental calc appear to have used $1000.97. Need PITI breakdown for primary residence. HOA docs provided but no taxes or insurance docs. Mortgage statement shows payment of $1581 but PI qualified at $1890. - Due Diligence Vendor-05/30/2021
 
Open-Housing History Does Not Meet Guideline Requirements.  Need documentation supporting PITI payment for retained rental property.  Mortgage statement shows payment of $1173 but REO and rental calc appear to have used $1000.97.  Need PITI breakdown for primary residence.  HOA docs provided but no taxes or insurance docs.  Mortgage statement shows payment of $1581 but PI qualified at $1890.   - Due Diligence Vendor-05/27/2021
Ready for Review-Document were originally uploaded to the bulletin board for this loan, they are attached here again - Seller-06/07/2021
 Ready for Review-Rental Property located at XXX: Agree with finding. Mortgage coupon shows a monthly payment including tax and insurance in the amount of $1173 in addition to $44 for HOA ( Total is $1,217) the net cash flow generated from rental property is $145.58 ( Please see attachment).
Primary Hosuing: Please see attached property tax statement showing annual property tax in the amount of $4,164 ( Monthly $345.5)
Although the insurance for the primary residence was not in the file, the monthly amount could be up to $127 using the qualifying primary residence housing payment of $2,273 ($1,581 P&I + $345 taxes + up to $127 insurance + $220 HOA)
 
Housing Payment $2,273+ negative subject net cash flow $1,121+ monthly debt $314.01 = Total monthly obligation $3,709
Base Income  $11,000 + Positive rental cash flow 145.58 = total income = $11,145.58
DTI = 33.285%. Calculated DTI is higher than AUS DTI by less than 3% and is still with tolerance range.  - Seller-06/01/2021
 
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/07/2021
 
 
  
XXX - XXX  - Rental Income.pdf
XXX - XXX  - Property Taxes.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$212,500.00
CO
Investment
Purchase
NA
494444459
    
D
B
D
A
A
A
B
B
Closed
FCRE1191
2021-06-02 21:11
2021-06-03 12:40
Resolved
3 - Material
C
A
Credit
Eligibility
Audited Reserves are less than AUS Required Reserves (Dollar Amount)
Resolved-Audited Reserves of 96142.58 are greater than or equal to AUS Required Reserves of 16416 - Due Diligence Vendor-06/03/2021
Ready for Review-6/2: Disagree. File contains three months business bank statements for three businesses that borrower has 100% ownership with combined account balances of $102,663.64 as of 2/26/2021. Bank statement for XXX. PC has account balance of $19,389.48 as of 2/26/2021. Bank statement for XXX has account balance of $40,756.11 as of 2/26/2021. Bank statement for XXX has account balance of $42,518.05 as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416 without having a detrimental impact on the businesses. Borrower is 100% owner of each of the businesses. - Seller-06/02/2021
Open-Audited Reserves of 0 are less than AUS Required Reserves of 16416.  Missing all asset accounts associated with DU.   - Due Diligence Vendor-05/31/2021
Open-Audited Reserves of 0 are less than AUS Required Reserves of 16416 - Due Diligence Vendor-05/31/2021
Ready for Review-6/2: Disagree. File contains three months business bank statements for three businesses that borrower has 100% ownership with combined account balances of $102,663.64 as of 2/26/2021. Bank statement for XXX. PC has account balance of $19,389.48 as of 2/26/2021. Bank statement for XXX has account balance of $40,756.11 as of 2/26/2021. Bank statement for XXX  has account balance of $42,518.05 as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416 without having a detrimental impact on the businesses. Borrower is 100% owner of each of the businesses. - Seller-06/02/2021
 
Resolved-Audited Reserves of 96142.58 are greater than or equal to AUS Required Reserves of 16416 - Due Diligence Vendor-06/03/2021
 
  
XXX_XXX_Assets_Reserves.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$198,000.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494444459
    
D
B
D
A
A
A
B
B
Closed
FCRE1472
2021-06-02 21:11
2021-06-03 12:40
Resolved
3 - Material
D
A
Credit
Missing Doc - Assets
Asset 6 Missing
Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-06/03/2021
Ready for Review-6/2: Account #XXX is not needed for reserves as borrower has sufficient verified assets in three other accounts. File contains three months business bank statements for three businesses that borrower is 100% owner with combined account balances of $102,663.64 as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416. - Seller-06/02/2021
Open-Asset 6 Missing (#XXX).  - Due Diligence Vendor-05/31/2021
Ready for Review-6/2: Account #XXX is not needed for reserves as borrower has sufficient verified assets in three other accounts. File contains three months business bank statements for three businesses that borrower is 100% owner with combined account balances of $102,663.64 as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416. - Seller-06/02/2021
 
Resolved-Asset 6 Provided Or Not Applicable - Due Diligence Vendor-06/03/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$198,000.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494444459
    
D
B
D
A
A
A
B
B
Closed
FCRE1467
2021-06-02 21:12
2021-06-03 12:40
Resolved
3 - Material
D
A
Credit
Missing Doc - Assets
Asset 1 Missing
Resolved-Asset 1 Provided - Due Diligence Vendor-06/03/2021
Ready for Review-6/2: Account #XXX is not needed for reserves as borrower has sufficient verified assets in three other accounts. File contains three months business bank statements for three businesses that borrower is 100% owner with combined account balances of $102,663.64 as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416. - Seller-06/02/2021
Open-Asset 1 Missing (#XXX).   - Due Diligence Vendor-05/31/2021
Ready for Review-6/2: Account #XXX is not needed for reserves as borrower has sufficient verified assets in three other accounts. File contains three months business bank statements for three businesses that borrower is 100% owner with combined account balances of $102,663.64 as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416. - Seller-06/02/2021
 
Resolved-Asset 1 Provided - Due Diligence Vendor-06/03/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$198,000.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494444459
    
D
B
D
A
A
A
B
B
Closed
FCRE1469
2021-06-02 21:12
2021-06-03 12:40
Resolved
3 - Material
D
A
Credit
Missing Doc - Assets
Asset 3 Missing
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-06/03/2021
Ready for Review-6/2: Account #XXX is not needed for reserves as borrower has sufficient verified assets in three other accounts. File contains three months business bank statements for three businesses that borrower is 100% owner with combined account balances of $102,663.64 as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416. - Seller-06/02/2021
Open-Asset 3 Missing (#XXX). - Due Diligence Vendor-05/31/2021
Ready for Review-6/2: Account #XXX is not needed for reserves as borrower has sufficient verified assets in three other accounts. File contains three months business bank statements for three businesses that borrower is 100% owner with combined account balances of $102,663.64 as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416. - Seller-06/02/2021
 
Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-06/03/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$198,000.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494444459
    
D
B
D
A
A
A
B
B
Closed
FCRE1471
2021-06-02 21:12
2021-06-03 12:40
Resolved
3 - Material
D
A
Credit
Missing Doc - Assets
Asset 5 Missing
Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-06/03/2021
Ready for Review-6/2: Account #XXX is not needed for reserves as borrower has sufficient verified assets in three other accounts. File contains three months business bank statements for three businesses that borrower is 100% owner with combined account balances of $XXX as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416. - Seller-06/02/2021
Open-Asset 5 Missing (#XXX).  - Due Diligence Vendor-05/31/2021
Ready for Review-6/2: Account #XXX is not needed for reserves as borrower has sufficient verified assets in three other accounts. File contains three months business bank statements for three businesses that borrower is 100% owner with combined account balances of $XXX as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416. - Seller-06/02/2021
 
Resolved-Asset 5 Provided Or Not Applicable - Due Diligence Vendor-06/03/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$198,000.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494444459
    
D
B
D
A
A
A
B
B
Closed
FCRE1468
2021-06-02 21:12
2021-06-03 12:40
Resolved
3 - Material
D
A
Credit
Missing Doc - Assets
Asset 2 Missing
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-06/03/2021
Ready for Review-6/2: Account #XXX is not needed for reserves as borrower has sufficient verified assets in three other accounts. File contains three months business bank statements for three businesses that borrower is 100% owner with combined account balances of $XXX as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416. - Seller-06/02/2021
Open-Asset 2 Missing (#XXX). - Due Diligence Vendor-05/31/2021
Ready for Review-6/2: Account #XXX is not needed for reserves as borrower has sufficient verified assets in three other accounts. File contains three months business bank statements for three businesses that borrower is 100% owner with combined account balances of $XXX as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416. - Seller-06/02/2021
 
Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-06/03/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$198,000.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494444459
    
D
B
D
A
A
A
B
B
Closed
FCRE1470
2021-06-02 21:13
2021-06-03 12:40
Resolved
3 - Material
D
A
Credit
Missing Doc - Assets
Asset 4 Missing
Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-06/03/2021
Ready for Review-6/2: Account #XXX is not needed for reserves as borrower has sufficient verified assets in three other accounts. File contains three months business bank statements for three businesses that borrower is 100% owner with combined account balances of $102,663.64 as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416. - Seller-06/02/2021
Open-Asset 4 Missing (#XXX).  - Due Diligence Vendor-05/31/2021
Ready for Review-6/2: Account #XXX is not needed for reserves as borrower has sufficient verified assets in three other accounts. File contains three months business bank statements for three businesses that borrower is 100% owner with combined account balances of $102,663.64 as of 2/26/2021. The assets are more than adequate to meet AUS requirement for reserves of $16,416. - Seller-06/02/2021
 
Resolved-Asset 4 Provided Or Not Applicable - Due Diligence Vendor-06/03/2021
 
 
  
XXX_XXX_Assets_Reserves.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$198,000.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494444459
    
D
B
D
A
A
A
B
B
Closed
FPRO1498
2021-05-31 11:36
2021-06-01 00:49
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-06/01/2021
 
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/31/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-06/01/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$198,000.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494444334
    
D
B
C
B
A
A
D
A
Closed
FCRE1159
2021-05-19 18:03
2021-05-30 04:25
Acknowledged
2 - Non-Material
C
B
Credit
Insurance
Hazard Insurance Effective Date is after the Note Date
Acknowledged-Finding acknowledged. XXXr has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 4 day window. There are no claims reported for this period of time from 03/XX/2021 to 03/XX/2021 - Due Diligence Vendor-05/20/2021
Ready for Review-XXXr has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 4 day window. There are no claims reported for this period of time from 03/XX/2021 to 03/XX/2021 - Seller-05/19/2021
Open-Hazard Insurance Effective Date of 03-XX-2021 is after the Note Date of 03-XX-2021 - Due Diligence Vendor-05/18/2021
Open-Hazard Insurance Effective Date of 03-XX-2021 is after the Note Date of 03-XX-2021 - Due Diligence Vendor-05/18/2021
Ready for Review-XXX has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 4 day window. There are no claims reported for this period of time from 03/XX/2021 to 03/X/2021 - Seller-05/19/2021
 
Acknowledged-Finding acknowledged. XXX has a XXX and in the event of a gap in coverage any claims would have been covered during that 4 day window. There are no claims reported for this period of time from 03/XX/2021 to 03/XX/2021 - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$258,750.00
UT
Investment
Purchase
NA
494444334
    
D
B
C
B
A
A
D
A
Closed
FPRO1244
2021-05-18 21:33
2021-05-30 04:23
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or 0% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-CU score was not provided on DU approved loan. - Due Diligence Vendor-05/18/2021
  
 
 Resolved-Desk review provided with a value of $XXXor XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$258,750.00
UT
Investment
Purchase
NA
494444141
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-27 14:27
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$227,250.00
FL
Investment
Purchase
NA
494443941
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$323,000.00
CA
Investment
Refinance
Rate and Term
494443931
    
D
A
C
A
A
A
D
A
Closed
FCRE1186
2021-05-27 13:59
2021-06-02 13:41
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-MTG stmt provided showing property is escrowed. DU rerun to include the HOA fee and within tolerance. DU reflects 40.12% DTI. - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached payment coupons showing that taxes and insurance are included in payment.  It appears that property has HOA dues (see XXX printout, attached, page 5), I have attached a new DU run with the $48.58/mo HOA dues added in, although change in DTI is within tolerance. - Seller-05/27/2021
Open-Audited DTI of 46.46% exceeds AUS DTI of 38% . Primary housing expense = $1874 used to qualify. Audits primary housing expense = $2,586.98 - Due Diligence Vendor-05/25/2021
 Ready for Review-Please see attached payment coupons showing that taxes and insurance are included in payment.  It appears that property has HOA dues (see XXX printout, attached, page 5), I have attached a new DU run with the $48.58/mo HOA dues added in, although change in DTI is within tolerance. - Seller-05/27/2021
 
Resolved-MTG stmt provided showing property is escrowed. DU rerun to include the HOA fee and within tolerance. DU reflects 40.12% DTI. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX.pdf
XXX pmt coupon.pdf
Desktop Underwriter Findings, XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$548,250.00
AZ
Investment
Refinance
Cash Out - Other
494443931
    
D
A
C
A
A
A
D
A
Closed
FPRO1244
2021-05-25 02:41
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
Open-Third party valuation report required. - Due Diligence Vendor-05/25/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$548,250.00
AZ
Investment
Refinance
Cash Out - Other
494443908
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$336,800.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494443900
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$114,750.00
IL
Investment
Refinance
Rate and Term
494443845
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-29 06:10
2021-06-02 00:45
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/29/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/02/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$690,000.00
NY
Investment
Refinance
Cash Out - Other
494443778
    
D
A
A
A
D
A
A
A
Closed
FCOM1544
2021-05-28 20:12
2021-06-02 16:29
Resolved
3 - Material
D
A
Compliance
Missing Doc - CD
TRID: Missing Final Closing Disclosure
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
Ready for Review-Signed CD at closing - Seller-05/28/2021
Open-TRID: Missing Final Closing Disclosure, missing page 1 to Final CD executed on 3/19/2021 - Due Diligence Vendor-05/27/2021
 Ready for Review-Signed CD at closing - Seller-05/28/2021
 
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX SIGNED CD2.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$61,600.00
AZ
Investment
Purchase
NA
494443622
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-25 02:46
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 5) - Due Diligence Vendor-05/25/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$348,000.00
IN
Investment
Purchase
NA
494443601
    
D
A
D
A
A
A
A
A
Closed
FCRE7497
2021-05-31 00:39
2021-06-02 14:55
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-MTG stmt provided showing property is escrowed. - Due Diligence Vendor-06/02/2021
Ready for Review-5/30: Attached from the file is the mortgage statement that confirms payment for taxes and insurance are escrowed and included in the payment. - Seller-05/31/2021
Open-Missing proof of taxes and insurance for the following REO property: 1- XXX - Due Diligence Vendor-05/30/2021
 
Open-Missing proof of taxes and insurance for the following REO property:
 
1- XXX - Due Diligence Vendor-05/25/2021
Ready for Review-5/30: Attached from the file is the mortgage statement that confirms payment for taxes and insurance are escrowed and included in the payment. - Seller-05/31/2021
 
 
Resolved-MTG stmt provided showing property is escrowed. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_XXX_REO_Escrowed.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$464,090.00
MA
Investment
Refinance
Rate and Term
494443512
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$338,000.00
CA
Investment
Refinance
No Cash Out - Lender Initiated
494443357
    
C
A
C
A
A
A
A
A
Closed
FCRE1168
2021-05-27 19:59
2021-05-30 07:46
Resolved
3 - Material
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-Hazard Insurance Coverage Amount of $XXX is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $XXX - Due Diligence Vendor-05/27/2021
Ready for Review-Insurance and replacement cost estimator - Seller-05/27/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) of $XXX. - Due Diligence Vendor-05/25/2021
Ready for Review-Insurance and replacement cost estimator - Seller-05/27/2021
 
 
Resolved-Hazard Insurance Coverage Amount of $XXX is equal to or greater than all Subject Lien(s) and/or Replacement Cost Estimator is provided and Hazard Insurance Coverage Amount is equal to or greater than Replacement Cost Value of $XXX - Due Diligence Vendor-05/27/2021
 
  
XXX update.pdf
XXX RCV.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$304,125.00
TX
Investment
Purchase
NA
494443344
    
C
A
C
A
A
A
A
A
Closed
FCRE1437
2021-05-27 17:07
2021-05-30 07:32
Resolved
3 - Material
C
A
Credit
Income
Income and Employment Do Not Meet Guidelines
Resolved-Payment letter for XXX received and matches qualification amount.  No further issues. - Due Diligence Vendor-05/29/2021
Ready for Review-See attached first payment letter showing monthly payment - Seller-05/27/2021
Open-Income and Employment Do Not Meet Guidelines. Missing mortgage statement for XXX, borrower refinanced one month prior to this transaction unable to determine current payment. - Due Diligence Vendor-05/26/2021
Open-Income and Employment Do Not Meet Guidelines. Missing mortgage statement for XXX, borrower refinanced one month prior to this transaction unable to determine current payment.  - Due Diligence Vendor-05/24/2021
Ready for Review-See attached first payment letter showing monthly payment - Seller-05/27/2021
 
 
Resolved-Payment letter for XXX received and matches qualification amount.  No further issues. - Due Diligence Vendor-05/29/2021
 
  
XXX_1st payment letter.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$262,500.00
CA
Investment
Purchase
NA
494443034
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$217,500.00
NY
Investment
Purchase
NA
494442968
    
C
B
C
A
B
B
A
A
Closed
FCRE1168
2021-06-02 13:13
2021-06-02 17:50
Resolved
3 - Material
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-DOcs provided reflect 120% increase in coverage and RCE shows coverage is adequate. - Due Diligence Vendor-06/02/2021
Ready for Review-6/2/2021 Disagree – Insurance attached shows coverage for loan amount with dwelling and other structures. The replacement cost is up to 120% and will cover the subject lien(s) - Seller-06/02/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-06/01/2021
Ready for Review-6/2/2021 Disagree – Insurance attached shows coverage for loan amount with dwelling and other structures. The replacement cost is up to 120% and will cover the subject lien(s) - Seller-06/02/2021
 
 
Resolved-DOcs provided reflect 120% increase in coverage and RCE shows coverage is adequate. - Due Diligence Vendor-06/02/2021
 
 
  
XXX - insurance.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$350,000.00
AZ
Investment
Refinance
Cash Out - Other
494442968
    
C
B
C
A
B
B
A
A
Closed
FCOM8844
2021-06-01 14:24
2021-06-01 14:28
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true - Due Diligence Vendor-06/01/2021
 
Open-CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).  - Due Diligence Vendor-06/01/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true - Due Diligence Vendor-06/01/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$350,000.00
AZ
Investment
Refinance
Cash Out - Other
494442829
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-25 19:01
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/25/2021
Open-CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).  - Due Diligence Vendor-05/25/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$180,000.00
AZ
Investment
Refinance
Cash Out - Other
494442828
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$190,460.00
AZ
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494442731
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$480,000.00
CA
Investment
Purchase
NA
494442720
    
D
B
A
A
D
B
C
A
Closed
FCOM8844
2021-05-18 17:52
2021-05-30 04:27
Acknowledged
2 - Non-Material
D
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/19/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).  Full regulatory compliance testing was completed and no issues - Due Diligence Vendor-05/18/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/19/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$225,000.00
CA
Investment
Refinance
Cash Out - Other
494442720
    
D
B
A
A
D
B
C
A
Closed
FPRO5405
2021-05-19 01:50
2021-05-30 04:27
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/19/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$225,000.00
CA
Investment
Refinance
Cash Out - Other
494442641
    
C
A
C
A
A
A
C
A
Closed
FCRE1186
2021-05-28 21:45
2021-06-02 13:03
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-AUS resubmitted and corrected showing higher DTI on DU approval as required - Due Diligence Vendor-06/02/2021
Ready for Review-Agree with finding: Reviewer corrected the rental income and submitted the loan to AUS. Please see attached AUS finding. - Due Diligence Vendor-05/30/2021
 Ready for Review-Agree with finding: Reviewer corrected the rental income and submitted the loan to AUS. Please see attached AUS finding. - Seller-05/28/2021
Open-Audited DTI of 44.37% exceeds AUS DTI of 39.85% Variance due to lender not including all components of housing expense in rental loss. - Due Diligence Vendor-05/24/2021
Open-Audited DTI of 40.26% exceeds AUS DTI of 39.85%  - Due Diligence Vendor-05/20/2021
Ready for Review-Agree with finding: Reviewer corrected the rental income and submitted the loan to AUS. Please see attached AUS finding. - Seller-05/28/2021
 
Resolved-AUS resubmitted and corrected showing higher DTI on DU approval as required - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_AUS.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$300,000.00
CA
Investment
Purchase
NA
494442641
    
C
A
C
A
A
A
C
A
Closed
FPRO9939
2021-05-20 18:48
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.7) - Due Diligence Vendor-05/20/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$300,000.00
CA
Investment
Purchase
NA
494442565
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-21 12:38
2021-06-04 18:11
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/04/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/21/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/04/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$265,125.00
MO
Investment
Purchase
NA
494442554
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$174,000.00
TX
Investment
Purchase
NA
494441996
    
C
B
C
B
A
A
A
A
Closed
FCRE1186
2021-06-03 20:39
2021-06-04 12:26
Acknowledged
2 - Non-Material
C
B
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Acknowledged-Updated AUS provided with DTI of 45.72% - Due Diligence Vendor-06/04/2021
Resolved-Audited DTI of 45.66% is less than or equal to AUS DTI of 45.72%  - Due Diligence Vendor-06/04/2021
Ready for Review-Please see updated AUS findings, attached, with corrected net rental loss for both properties.  Thank you - Seller-06/03/2021
Open-Audited DTI of 45.66% exceeds AUS DTI of 44.03%.  Difference in DTI is less than 3% but crosses the threshold of 45%.  Difference is caused by HOA of $33.17 not being counted against retained investment property and the subject net rent was qualified at -$568 but was found to be -$793 based on rent schedule showing $3200 estimated rent.   - Due Diligence Vendor-05/26/2021
Ready for Review-Please see updated AUS findings, attached, with corrected net rental loss for both properties.  Thank you - Seller-06/03/2021
 
 
Acknowledged-Updated AUS provided with DTI of 45.72% - Due Diligence Vendor-06/04/2021
 
 Resolved-Audited DTI of 45.66% is less than or equal to AUS DTI of 45.72%  - Due Diligence Vendor-06/04/2021
 
 
 
 
  
XXX AUS.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$455,000.00
CA
Investment
Purchase
NA
494441996
    
C
B
C
B
A
A
A
A
Closed
FCRE1159
2021-05-27 15:16
2021-05-30 06:42
Acknowledged
2 - Non-Material
C
B
Credit
Insurance
Hazard Insurance Effective Date is after the Note Date
Acknowledged-Finding acknowledged. Flagstar has a Vendor Nat Gen and in the event of a gap in coverage any claims would have been covered during that 7 day window. - Due Diligence Vendor-05/30/2021                                            Ready for Review-XXX has a Vendor XX and in the event of a gap in coverage any claims would have been covered during that 7 day window. There are no claims reported for this period of time from 03/XX/2021 to 03/XX/2021 - Seller-05/27/2021
Open-Hazard Insurance Effective Date of 03-XX-2021 is after the Note Date of 03-XX-2021 - Due Diligence Vendor-05/26/2021
Ready for Review-XXX has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 7 day window. There are no claims reported for this period of time from 03/XX/2021 to 03/XX/2021 - Seller-05/27/2021
 
Acknowledged-Finding acknowledged. XXX has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 7 day window. - Due Diligence Vendor-05/30/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$455,000.00
CA
Investment
Purchase
NA
494441785
    
D
A
D
A
A
A
A
A
Closed
FCRE7756
2021-06-03 19:07
2021-06-03 19:23
Resolved
3 - Material
D
A
Credit
Missing Doc - Credit
Missing credit report
Resolved-Credit Report is Provided - Due Diligence Vendor-06/03/2021
Ready for Review-Please see attached CR - Seller-06/03/2021
Open-Credit Report is Missing - Due Diligence Vendor-05/27/2021
Ready for Review-Please see attached CR - Seller-06/03/2021
 
 
Resolved-Credit Report is Provided - Due Diligence Vendor-06/03/2021
 
 
 
 
  
Credit Report for the XXX file.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$416,000.00
CA
Investment
Refinance
Rate and Term
494441781
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$302,000.00
CA
Investment
Refinance
Rate and Term
494441769
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-28 20:02
2021-05-31 15:39
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$352,500.00
WA
Investment
Refinance
Cash Out - Other
494441730
    
C
B
A
A
B
B
C
A
Closed
FPRO9939
2021-05-29 21:15
2021-06-02 18:55
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
 
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.1) - Due Diligence Vendor-05/29/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$236,250.00
TX
Investment
Refinance
Cash Out - Other
494441730
    
C
B
A
A
B
B
C
A
Closed
FCOM8844
2021-05-29 21:11
2021-05-30 08:02
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/30/2021
Open-Loan would have been valid as GSE SH. - Due Diligence Vendor-05/30/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file.
 - Due Diligence Vendor-05/29/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/30/2021
 
 
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$236,250.00
TX
Investment
Refinance
Cash Out - Other
494441706
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$258,000.00
CO
Investment
Refinance
Rate and Term
494441189
    
D
B
A
A
D
B
A
A
Closed
FCOM8844
2021-05-17 19:03
2021-05-30 04:24
Acknowledged
2 - Non-Material
D
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/18/2021
Open-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/17/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not clearly disclosed how the cash in hand was to be utilized (consumer or business purposes). Home improvement use of funds not disclosed for which specific property - Due Diligence Vendor-05/17/2021
  
 
 Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/18/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$420,000.00
OR
Investment
Refinance
Cash Out - Other
494441127
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-29 05:28
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 Acknowledged-Loan would be valid as GSE SH - Due Diligence Vendor-05/29/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file.
 - Due Diligence Vendor-05/29/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 
 
 Acknowledged-Loan would be valid as GSE SH - Due Diligence Vendor-05/29/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$99,750.00
MO
Investment
Refinance
Cash Out - Other
494441126
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-17 21:14
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/17/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$104,750.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494441107
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$64,000.00
OH
Investment
Purchase
NA
494441094
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$315,000.00
ID
Investment
Refinance
Cash Out - Other
494441009
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-19 19:36
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/19/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$80,000.00
WI
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494440973
    
C
B
C
A
A
A
B
B
Closed
FCRE1440
2021-05-28 13:24
2021-06-02 13:07
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-Lease and payment history for 3 month provided. - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached 4 months payment history in addition to the lease agreement. AUS required a fully executed lease agreement in addition to 2 month of cancelled checks. - Due Diligence Vendor-05/30/2021
 
Ready for Review-
Please see attached 4 months payment history in addition to the lease agreement. AUS required a fully executed lease agreement in addition to 2 month of cancelled checks. - Seller-05/28/2021
Open-Missing VOR documenting borrower's rental history for prior 12 months. Lease agreement does not document rental history. Finding remains. - Due Diligence Vendor-05/22/2021
Ready for Review-Disagree: Please see attached lease agreement for the primary residence located at 3235 Heritage Trail that was located in the file. - Seller-05/21/2021
Open-Housing History Does Not Meet Guideline Requirements. No verification of rent in file. Borrower primary residence is Rental. AUS requires rental housing expense to be verified and documented. - Due Diligence Vendor-05/20/2021
Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-05/19/2021
Open-Housing History Does Not Meet Guideline Requirements. No verification of rent in file. Borrower primary residence is Rental. AUS requires rental housing expense to be verified and documented.  - Due Diligence Vendor-05/18/2021
Open-Housing History Does Not Meet Guideline Requirements. Borrower rents primary residence. AUS requires verification and documentation of rental housing expense. Missing verification and documentation of rental housing expense.  - Due Diligence Vendor-05/18/2021
Ready for Review-
Please see attached 4 months payment history in addition to the lease agreement. AUS required a fully executed lease agreement in addition to 2 month of cancelled checks. - Seller-05/28/2021
 Ready for Review-Disagree: Please see attached lease agreement for the primary residence located at XXX that was located in the file. - Seller-05/21/2021
 
Resolved-Lease and payment history for 3 month provided. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX - Lease Agreement.pdf
XXX - Payment History.pdf
XXX - Lease Agreement.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$235,000.00
NV
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494440973
    
C
B
C
A
A
A
B
B
Closed
FCRE1456
2021-05-21 14:06
2021-05-30 06:01
Resolved
3 - Material
C
A
Credit
Assets
Asset 2 Less Than 2 Months Verified
Resolved-Two months asset history provided. - Due Diligence Vendor-05/22/2021
Resolved-Asset 2 Verified Sufficiently Or Not Applicable - Due Diligence Vendor-05/22/2021
Ready for Review-Disagree with finding: 2 months statements were located in the file. Please see attached. - Seller-05/21/2021
Open-Asset 2 Less Than 2 Months Verified. 1 month Robinhood (-9211) statement provided, dated 1/1/2021 to 1/31/2021. AUS requires 2 months verification.  - Due Diligence Vendor-05/18/2021
Ready for Review-Disagree with finding: 2 months statements were located in the file. Please see attached. - Seller-05/21/2021
 
 
Resolved-Two months asset history provided. - Due Diligence Vendor-05/30/2021
 
 
 
 Resolved-Two months asset history provided. - Due Diligence Vendor-05/22/2021
 
 Resolved-Asset 2 Verified Sufficiently Or Not Applicable - Due Diligence Vendor-05/22/2021
 
 
  
XXX - XXX 2.pdf
XXX - XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$235,000.00
NV
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494440973
    
C
B
C
A
A
A
B
B
Closed
FPRO1498
2021-05-18 19:19
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/18/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$235,000.00
NV
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494440948
    
C
A
C
A
A
A
C
A
Closed
FCRE1186
2021-05-26 20:25
2021-06-02 16:49
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-DTI is now within tolerance with grossed up SSi which offset the rents - Due Diligence Vendor-06/02/2021
Ready for Review-Agree with finding: UW used the full rental payment, however the UW used a social security income in the amount of $2,366 while the correct SSI is $2,580. Grossing up 25% of 15% of the SSI will result a social security income of $2,675 which is enough to offset the difference in the discrepancy of rental income.
Rental income using 100%  of 1007 = 2300-1821.92 = 478
Rental income using 75% of 1007 = 2300 x 0.75 - 1821.92 =  -97
Social security income would be increased by $309 = $2,675-2,366
Total income = $2675+ $4006 - 97 = $6584
Total Debt = 3106
Calculated DTI = 47.17%
Calculated DTI is still within acceptable tolerance range of 3%. - Seller-05/26/2021
Open-Audited DTI of 47.79% exceeds AUS DTI of 45.99% . Variance in rental income calculations. Audit used 75% of rental income on 1007. Lender used full value. - Due Diligence Vendor-05/25/2021
Ready for Review-Agree with finding: UW used the full rental payment, however the UW used a social security income in the amount of $2,366 while the correct SSI is $2,580. Grossing up 25% of 15% of the SSI will result a social security income of $2,675 which is enough to offset the difference in the discrepancy of rental income.
Rental income using 100%  of 1007 = 2300-1821.92 = 478
Rental income using 75% of 1007 = 2300 x 0.75 - 1821.92 =  -97
Social security income would be increased by $309 = $2,675-2,366
Total income = $2675+ $4006 - 97 = $6584
Total Debt = 3106
Calculated DTI = 47.17%
Calculated DTI is still within acceptable tolerance range of 3%. - Seller-05/26/2021
 
Resolved-DTI is now within tolerance with grossed up SSi which offset the rents - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX - DU Tolerance.pdf
XXX - SSI.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$244,388.00
PA
Investment
Purchase
NA
494440948
    
C
A
C
A
A
A
C
A
Closed
FPRO9939
2021-05-25 00:24
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3). Desk review pending. - Due Diligence Vendor-05/25/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$244,388.00
PA
Investment
Purchase
NA
494440922
    
C
B
A
A
B
B
C
A
Closed
FPRO5405
2021-05-27 17:35
2021-05-31 15:32
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/27/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$169,400.00
OH
Investment
Refinance
Cash Out - Other
494440922
    
C
B
A
A
B
B
C
A
Closed
FCOM8844
2021-05-27 16:06
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 Acknowledged-Cash out letter not provided by borrower.  Full regulatory testing completed.  Loan would be valid as GSE SH. - Due Diligence Vendor-05/29/2021
Open- - Due Diligence Vendor-05/27/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 Acknowledged-Cash out letter not provided by borrower.  Full regulatory testing completed.  Loan would be valid as GSE SH. - Due Diligence Vendor-05/29/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$169,400.00
OH
Investment
Refinance
Cash Out - Other
494440820
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$375,000.00
CA
Investment
Purchase
NA
494440781
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-28 21:49
2021-06-02 19:22
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX orXX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.3) - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$305,150.00
WA
Investment
Purchase
NA
494440760
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$284,000.00
WA
Investment
Purchase
NA
494440745
    
C
B
C
B
A
A
C
A
Closed
FCRE1186
2021-06-02 20:09
2021-06-03 15:48
Acknowledged
2 - Non-Material
C
B
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Acknowledged-Updated AUS ran with updated DTI of 43.97% versus review DTI of 43.12% - Due Diligence Vendor-06/08/2021
Ready for Review-6/2: Revised AUS Findings attached that include all credit report debt with an approve/eligible response retained through DU. Previous AUS submission omitted $121 monthly payment for JPMCB and $25 payment for XXX as borrower's XXX bank statement reflected payoff of balances reported on the credit report, with payment to Chase of $4,012.94 on 2/8 and payment to TJX of $179.46 on 1/28. Revised transmittal summary is also attached. - Seller-06/02/2021
Open-Audited DTI of 43.12% exceeds AUS DTI of 39.17%.  DU qualified loan with $194.28 in other debt.  Credit report shows debt of $336.   - Due Diligence Vendor-05/29/2021
Ready for Review-6/2: Revised AUS Findings attached that include all credit report debt with an approve/eligible response retained through DU. Previous AUS submission omitted $121 monthly payment for XXX and $25 payment for XXX as borrower's XXX bank statement reflected payoff of balances reported on the credit report, with payment to XXX of $4,012.94 on 2/8 and payment to XXX of $179.46 on 1/28. Revised transmittal summary is also attached. - Seller-06/02/2021
 
Acknowledged-Updated AUS ran with updated DTI of 43.97% versus review DTI of 43.12% - Due Diligence Vendor-06/08/2021
 
 
  
XXX_AUS_1008.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$76,000.00
IL
Investment
Purchase
NA
494440745
    
C
B
C
B
A
A
C
A
Closed
FPRO9939
2021-05-28 17:27
2021-06-03 15:41
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.2) - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$76,000.00
IL
Investment
Purchase
NA
494440738
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$820,000.00
CO
Investment
Refinance
Rate and Term
494440711
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$300,000.00
CA
Investment
Refinance
Cash Out - Other
494440452
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$162,000.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494440450
    
D
B
D
B
D
A
B
B
Closed
FCRE1186
2021-06-08 19:12
2021-06-08 19:27
Acknowledged
2 - Non-Material
C
B
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Acknowledged-Updated AUS provided with a recalculated DTI of 45.40% using audit rental amounts. Audited DTI of 45.59% within 1%. - Due Diligence Vendor-06/08/2021
Ready for Review-See attached AUS with DTI of 45 and negative rental of -88 - Seller-06/08/2021
Open-Lease used in calculation of rental loss. P&I payment of 1547.78 verified with XXX mortgage statement provided; statement is only P&I and does not include taxes of $229.93 and hazard insurance of $91.58; Total PITI is $1869.29. Lease payment of $2375 at 75% is $1781.25 for a loss of $88.04. - Due Diligence Vendor-05/30/2021
Ready for Review-See attached lease agreement for REO located at Towerbridge Rd. Net rental is based on lease agreement at 75%. Net rental based on lease meets qualifying amount of $234 - Seller-05/19/2021
Open-Audited DTI of 45.59% exceeds AUS DTI of 41.90%. Variance is the rental calculation on Towerbridge Road. review shows a loss of $-88, AUS shows positive rental income of $234. - Due Diligence Vendor-05/18/2021
Ready for Review-See attached AUS with DTI of 45 and negative rental of -88 - Seller-06/08/2021
 Ready for Review-See attached lease agreement for REO located at XXX. Net rental is based on lease agreement at 75%. Net rental based on lease meets qualifying amount of $234 - Seller-05/19/2021
 
Acknowledged-Updated AUS provided with a recalculated DTI of 45.40% using audit rental amounts. Audited DTI of 45.59% within 1%. - Due Diligence Vendor-06/08/2021
 
 
  
XXX_XXX_Lease Agreement.pdf
XXX_XXX_Corrected AUS.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$247,100.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494440450
    
D
B
D
B
D
A
B
B
Closed
FCRE8712
2021-06-08 19:13
2021-06-08 19:25
Resolved
1 - Information
D
A
Credit
Missing Doc
Missing Verification of Rent
Resolved-Verification of rent for borrower's primary residence provided. Finding resolved. - Due Diligence Vendor-06/08/2021
 
Ready for Review-See attached lease agreement along with copy of asset statement to show verification of lease paid - Seller-06/08/2021
 
Open-Borrower's primary subject is rented property, DU item 13 - The amount of the rental housing expense must be verified and documented. Acceptable documentation includes, but is not limited to one of the following: a direct one of the following: a direct verification from a management company or individual landlord, six months cancelled checks/equivalent payment source, six months bank statements reflecting a clear and consistent payment to an organization or individual, or a copy of a current fully executed lease agreement and two months cancelled checks/equivalent payments source. - Due Diligence Vendor-06/01/2021
 
Open-DU approval item 13 under credit and liabilities section indicates the amount of the rental housing expense must be verified and documented. Finding remains. - Due Diligence Vendor-05/21/2021
 
Ready for Review-Do not concur with finding, per FNMA guideline (attached) stating the borrower's rental housing must be verified unless the borrower does not otherwise have a mortgage history. Also, see attached current mortgage statement for mortgaged property. - Seller-05/19/2021
 
Open-Missing documentation of rental amount on primary residence. - Due Diligence Vendor-05/18/2021
Ready for Review-See attached lease agreement along with copy of asset statement to show verification of lease paid - Seller-06/08/2021
 
 Ready for Review-Do not concur with finding, per FNMA guideline (attached) stating the borrower's rental housing must be verified unless the borrower does not otherwise have a mortgage history. Also, see attached current mortgage statement for mortgaged property. - Seller-05/19/2021
 
 
Resolved-Verification of rent for borrower's primary residence provided. Finding resolved. - Due Diligence Vendor-06/08/2021
 
 
  
XXX_XXX_Rental verification.pdf
XXX_XXX_VOM.pdf
XXX_XXX_Current Lease.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$247,100.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494440450
    
D
B
D
B
D
A
B
B
Closed
FCOM1233
2021-05-26 17:58
2021-06-01 19:32
Resolved
3 - Material
D
A
Compliance
Missing Doc - Closing Package
The Final 1003 is Incomplete
Resolved-Page 2 provided. - Due Diligence Vendor-06/01/2021
Ready for Review-See attached pg 2 of 1003 - Seller-05/26/2021
Open-The Final 1003 is Incomplete, missing page 2.  - Due Diligence Vendor-05/21/2021
Open-The Final 1003 is Incomplete. Missing Page 2 from final application. - Due Diligence Vendor-05/19/2021
Open-The Final 1003 is Incomplete - Due Diligence Vendor-05/18/2021
Open-Missing Page 2 from final application. - Due Diligence Vendor-05/17/2021
Open-The Final 1003 is Incomplete - Due Diligence Vendor-05/17/2021
 Ready for Review-See attached pg 2 of 1003 - Seller-05/26/2021
 
Resolved-Page 2 provided. - Due Diligence Vendor-06/01/2021
 
 
 
 
  
XXX_XXX_1003 p2.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$247,100.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494440450
    
D
B
D
B
D
A
B
B
Closed
FPRO1498
2021-05-18 15:39
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/18/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$247,100.00
CO
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494440428
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$95,200.00
FL
Investment
Purchase
NA
494440427
    
C
B
A
A
C
B
C
A
Closed
finding-3752
2021-05-22 12:05
2021-05-30 05:50
Resolved
3 - Material
C
A
Compliance
ComplianceEase
TRID Disclosure Dates and Personal Delivery Validation Test
Resolved-Initial CD provided. - Due Diligence Vendor-05/30/2021
 
 
 
Resolved-Initial CD provided. - Due Diligence Vendor-05/22/2021
 
Ready for Review-ICD was found in the file under the Closing Disclosure header and signed prior to closing. - Seller-05/22/2021
 
Open-Missing Initial CD as required for Compliance Testing. - Due Diligence Vendor-05/20/2021
 
Open-This loan failed the TRID disclosure dates and personal delivery validation test.This loan contains either:A Revised Loan Estimate Receipt Date that is after the Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date that is after the Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date that is after the Revised Closing Disclosure Delivery Date.However, the method of delivery is marked as "Personal." Please review the loan data to ensure the dates and method of delivery are correct. - Due Diligence Vendor-05/19/2021
Ready for Review-ICD was found in the file under the Closing Disclosure header and signed prior to closing. - Seller-05/22/2021
 
 
Resolved-Initial CD provided. - Due Diligence Vendor-05/22/2021
 
  
XXX - Signed ICD.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$91,425.00
FL
Investment
Refinance
Cash Out - Other
494440427
    
C
B
A
A
C
B
C
A
Closed
FPRO5405
2021-05-20 16:58
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/21/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$91,425.00
FL
Investment
Refinance
Cash Out - Other
494440427
    
C
B
A
A
C
B
C
A
Closed
FCOM8844
2021-05-19 18:08
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/21/2021
Open-CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).  - Due Diligence Vendor-05/19/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/21/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$91,425.00
FL
Investment
Refinance
Cash Out - Other
494440425
    
B
B
A
A
B
B
A
A
Closed
FCOM7646
2021-05-25 12:30
2021-05-30 06:15
Acknowledged
2 - Non-Material
B
B
Compliance
QM-ATR
Originator QM Designation Differs From Final QM Status
Acknowledged-Originator QM Status Of ATR/QM: Not Applicable Differs From Final QM Status Of QM: GSE Temporary QM - SH. Evidence in the loan file results in Consumer Purp, full compliance review was conducted, and QM: GSE Temporary QM – SH was validated as true. - Due Diligence Vendor-05/25/2021
 
Open-Originator QM Designation Of ATR/QM: Not Applicable Differs From Final QM Status Of ATR/QM: Status Pending. Loan submitted as business purpose cash out, however letter in file states debt consolidation. - Due Diligence Vendor-05/25/2021
  
Acknowledged-Originator QM Status Of ATR/QM: Not Applicable Differs From Final QM Status Of QM: GSE Temporary QM - SH. Evidence in the loan file results in Consumer Purp, full compliance review was conducted, and QM: GSE Temporary QM – SH was validated as true. - Due Diligence Vendor-05/25/2021
 
 
    
"ATR/QM: Not Applicable"
"QM: GSE Temporary QM - SH"
$170,000.00
CO
Investment
Refinance
Cash Out - Other
494440423
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-25 00:09
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-CU score was not provided on DU approved loan. - Due Diligence Vendor-05/25/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$172,500.00
CO
Investment
Refinance
Cash Out - Other
494440175
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-21 12:45
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/21/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$225,000.00
MA
Investment
Purchase
NA
494439989
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$92,500.00
AZ
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494439947
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-21 02:49
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/21/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$356,250.00
CA
Investment
Purchase
NA
494439897
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$279,000.00
UT
Investment
Refinance
Cash Out - Other
494439854
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$210,000.00
MA
Investment
Refinance
Rate and Term
494439785
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-25 22:26
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or -XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Pending Desk Review. - Due Diligence Vendor-05/25/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or -XXX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$192,000.00
CA
Investment
Refinance
Rate and Term
494439683
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$528,750.00
CA
Investment
Refinance
Cash Out - Other
494439647
    
D
A
D
A
A
A
A
A
Closed
FCRE2393
2021-06-03 16:16
2021-06-03 18:12
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing an established escrow impound account for taxes and insurance.
Resolved-Documentation acceptable. - Due Diligence Vendor-06/03/2021
Ready for Review-Please see attached documentation showing that the $1361.96 XXX payment on XXX includes taxes and insurance.   - Seller-06/03/2021
Open-Provide documentation to confirm escrows are included with monthly payment for owner occupied property within the monthly XXX payments as noted on the credit report and 1003. Documentation showing this requirements was not provided. - Due Diligence Vendor-06/01/2021
Ready for Review-Please see attached documentation showing that the $1361.96 XXX payment on XXX includes taxes and insurance.   - Seller-06/03/2021
 
Resolved-Documentation acceptable. - Due Diligence Vendor-06/03/2021
  
XXX escrows.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$139,900.00
CA
Investment
Purchase
NA
494439591
    
C
B
A
A
B
B
C
A
Closed
FPRO5405
2021-05-30 19:33
2021-06-01 15:04
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/30/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$330,500.00
WA
Investment
Refinance
Cash Out - Other
494439591
    
C
B
A
A
B
B
C
A
Closed
FCOM8844
2021-05-30 19:28
2021-05-31 01:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Loan would be valid as GSE SH. - Due Diligence Vendor-05/31/2021
 
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file.
 - Due Diligence Vendor-05/30/2021
  
Acknowledged-Loan would be valid as GSE SH. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$330,500.00
WA
Investment
Refinance
Cash Out - Other
494439590
    
C
B
A
A
B
B
C
A
Closed
FPRO5405
2021-05-27 22:15
2021-05-31 15:09
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/27/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$500,000.00
CA
Investment
Refinance
Cash Out - Other
494439590
    
C
B
A
A
B
B
C
A
Closed
FCOM8844
2021-05-25 17:56
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 Acknowledged-Full compliance testing conducted with LE’s and CD’s in file.  No issues were found and loan would be eligible for GSE SH. - Due Diligence Vendor-05/27/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). - Due Diligence Vendor-05/27/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 Acknowledged-Full compliance testing conducted with LE’s and CD’s in file.  No issues were found and loan would be eligible for GSE SH. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$500,000.00
CA
Investment
Refinance
Cash Out - Other
494439580
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-25 21:41
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.4) - Due Diligence Vendor-05/25/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$80,000.00
TX
Investment
Refinance
Rate and Term
494439495
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-27 14:39
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$165,000.00
MA
Investment
Refinance
Rate and Term
494439398
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-06-01 00:16
2021-06-01 15:28
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-Third party valuation required. - Due Diligence Vendor-06/01/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$375,000.00
CT
Investment
Purchase
NA
494439054
    
C
A
C
A
A
A
A
A
Closed
FCRE1191
2021-06-01 15:33
2021-06-02 17:41
Resolved
3 - Material
C
A
Credit
Eligibility
Audited Reserves are less than AUS Required Reserves (Dollar Amount)
Resolved-Updated print out for XXX account provided showing higher balance than regular stmt in the file at the time of review. - Due Diligence Vendor-06/02/2021
Resolved-Audited Reserves of 12577.97 are greater than or equal to AUS Required Reserves of 11671.08 - Due Diligence Vendor-06/02/2021
Ready for Review-6/1: Disagree. LPA reserves requirement of $11,671.08 was met. File contains verified reserves of $12,456.91. Borrower had verified assets totaling $13,868.42, with $5,957.39 in XXX #XXX as of 3/16/2021 and $7,911.03 in XXX checking #XXX as of 3/24/2021. After subtracting funds required at closing of $1,411.51, borrower had $12,456.91 remaining for reserves, that does not include the funds in the XXX savings account from 2/28/2021. - Seller-06/01/2021
Open-Audited Reserves of 10247.84 are less than AUS Required Reserves of 11671.08 - Due Diligence Vendor-05/28/2021
Ready for Review-6/1: Disagree. XXX reserves requirement of $11,671.08 was met. File contains verified reserves of $12,456.91. Borrower had verified assets totaling $13,868.42, with $5,957.39 in XXX #XXX as of 3/16/2021 and $7,911.03 in XXX checking #XXX as of 3/24/2021. After subtracting funds required at closing of $1,411.51, borrower had $12,456.91 remaining for reserves, that does not include the funds in the XXX savings account from 2/28/2021. - Seller-06/01/2021
 
Resolved-Updated print out for Wesom account provided showing higher balance than regular stmt in the file at the time of review. - Due Diligence Vendor-06/02/2021
 
 Resolved-Audited Reserves of 12577.97 are greater than or equal to AUS Required Reserves of 11671.08 - Due Diligence Vendor-06/02/2021
 
 
 
 
Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5 Years
Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of XXX is Greater Than The Guideline Minimum Of XXX By Twenty (20) or More Points
Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments
Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of XXX% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More
Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of XXX% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More
XXX_Reserves.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$120,700.00
CA
Investment
Refinance
Rate and Term
494439053
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$168,700.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494438994
    
D
A
D
A
A
A
A
A
Closed
FCRE6019
2021-06-08 13:41
2021-06-08 13:49
Resolved
1 - Information
D
A
Credit
Missing Doc - Credit
Borrower 1 Citizenship Documentation Not Provided
Resolved-Current permanent resident alien card provided. Finding resolved. - Due Diligence Vendor-06/08/2021
 
Ready for Review-See attached Permanent Resident document - Seller-06/08/2021
 
Open-Borrower 1 Citizenship Documentation Is Missing. Missing permanent resident documentation. - Due Diligence Vendor-05/25/2021
Ready for Review-See attached Permanent Resident document - Seller-06/08/2021
 
 
Resolved-Current permanent resident alien card provided. Finding resolved. - Due Diligence Vendor-06/08/2021
 
 
  
XXX_ID.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$143,300.00
UT
Investment
Refinance
Rate and Term
494438915
    
C
A
C
A
A
A
A
A
Closed
FCRE1186
2021-06-04 20:07
2021-06-07 14:15
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-Audited DTI of 48.25% exceeds AUS DTI of 48%  - Due Diligence Vendor-06/07/2021
Ready for Review-6/4: See attached Closing Disclosures from concurrent refinance transactions for the borrower's primary residence and four rental properties. The Closing Disclosures confirm the payments used for primary housing expense and in rental income calculations. The rental income was calculated using tax returns minus PITI payments except for the property at XXX. The lease method (75% of gross rent minus PITI) was used for the XXX. property as the property was acquired in July 2019 as documented in the file. Attached documentation supports calculations and DTI of 48%. - Seller-06/04/2021
Open-Audited DTI of 50.5% exceeds AUS DTI of 48% due to negative rental income of $-433.67 versus lender negative rental income of $-188 - Due Diligence Vendor-05/29/2021
Ready for Review-6/4: See attached Closing Disclosures from concurrent refinance transactions for the borrower's primary residence and four rental properties. The Closing Disclosures confirm the payments used for primary housing expense and in rental income calculations. The rental income was calculated using tax returns minus PITI payments except for the property at XXX The lease method (75% of gross rent minus PITI) was used for the XXX property as the property was acquired in July 2019 as documented in the file. Attached documentation supports calculations and DTI of 48%. - Seller-06/04/2021
 
Resolved-Audited DTI of 48.25% exceeds AUS DTI of 48%  - Due Diligence Vendor-06/07/2021
 
 
 
 
  
XXX_DTI_Rentals.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$292,000.00
TX
Investment
Purchase
NA
494438877
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-30 20:42
2021-06-01 15:31
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX orXXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/30/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$525,000.00
MA
Investment
Refinance
Rate and Term
494438798
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-27 22:49
2021-05-31 16:09
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/27/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$648,000.00
CA
Investment
Refinance
Rate and Term
494438753
    
C
A
C
A
A
A
C
A
Closed
FCRE1176
2021-06-02 12:28
2021-06-02 13:01
Resolved
3 - Material
C
A
Credit
Insurance
HO6 Insurance Policy Effective Date is after the Note Date
Resolved-Acknowledged - Due Diligence Vendor-06/02/2021
Ready for Review-XXX has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 1 day window. There are no claims reported for this period of time from 03/XX to 03/XX.  - Seller-06/02/2021
Open-HO-6 Insurance Policy Effective Date of 03-XX-2021 is after the Note Date of 03-XX-2021 - Due Diligence Vendor-06/01/2021
Ready for Review-XXX has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 1 day window. There are no claims reported for this period of time from 03/XX to 03/XX.  - Seller-06/02/2021
 
Resolved-Acknowledged - Due Diligence Vendor-06/02/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$316,000.00
UT
Investment
Purchase
NA
494438753
    
C
A
C
A
A
A
C
A
Closed
FCRE1177
2021-06-02 12:29
2021-06-02 13:00
Resolved
3 - Material
C
A
Credit
Insurance
HO6 Insurance Policy Expiration Date is before the Note Date
Resolved-acknowledged - Due Diligence Vendor-06/02/2021
Ready for Review-Duplicate - XXX has a VendorXXX and in the event of a gap in coverage any claims would have been covered during that 1 day window. There are no claims reported for this period of time from 03/XX to 03/XX.  - Seller-06/02/2021
Open-HO-6 Insurance Policy Expiration Date of 03-XX-2020 is prior to the Note Date of 03-XX-2021 - Due Diligence Vendor-06/01/2021
Ready for Review-Duplicate - XXX has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 1 day window. There are no claims reported for this period of time from 03/XX to 03/XX.  - Seller-06/02/2021
 
Resolved-acknowledged - Due Diligence Vendor-06/02/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$316,000.00
UT
Investment
Purchase
NA
494438753
    
C
A
C
A
A
A
C
A
Closed
FPRO9939
2021-06-01 16:03
2021-06-01 19:37
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 5) - Due Diligence Vendor-06/01/2021
  
Resolved-Desk review provided with a value of $XXX orXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$316,000.00
UT
Investment
Purchase
NA
494438725
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-27 03:08
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$169,109.00
FL
Investment
Purchase
NA
494438662
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$403,000.00
CA
Investment
Refinance
Rate and Term
494438653
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$248,000.00
CA
Investment
Refinance
Rate and Term
494438641
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$183,000.00
WA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494438595
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-29 02:36
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
Open-Loan would be valid as GSE SH. - Due Diligence Vendor-05/29/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file.
 - Due Diligence Vendor-05/29/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$100,000.00
PA
Investment
Refinance
Cash Out - Other
494438315
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$323,250.00
TX
Investment
Purchase
NA
494438174
    
D
B
A
A
D
B
C
A
Closed
FPRO9939
2021-05-28 03:20
2021-06-04 18:03
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/04/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 5) - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/04/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$78,000.00
MO
Investment
Refinance
Cash Out - Other
494438174
    
D
B
A
A
D
B
C
A
Closed
FCOM8844
2021-05-24 02:51
2021-05-30 04:47
Acknowledged
2 - Non-Material
D
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 Acknowledged-Loan would be valid as GSE SH. - Due Diligence Vendor-05/29/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file.
 - Due Diligence Vendor-05/24/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 
 
 Acknowledged-Loan would be valid as GSE SH. - Due Diligence Vendor-05/29/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$78,000.00
MO
Investment
Refinance
Cash Out - Other
494438162
    
D
B
D
A
B
B
C
A
Closed
FCRE1437
2021-05-26 14:46
2021-06-02 15:26
Resolved
3 - Material
C
A
Credit
Income
Income and Employment Do Not Meet Guidelines
Resolved-Agree with statement made and WVOE was provided at review - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached VOE and income worksheet.  Borrower works on commission only.  Per VOE provided, no bonus income was yet earned for the year at the time the VOE was filled out. - Seller-05/26/2021
Open-Income and Employment Do Not Meet Guidelines - AUS requires commission income to be documented for YTD and prior 2 years. Prior 2 years commission income was provided, however, YTD commission earnings were not provided. - Due Diligence Vendor-05/25/2021
 Ready for Review-Please see attached VOE and income worksheet.  Borrower works on commission only.  Per VOE provided, no bonus income was yet earned for the year at the time the VOE was filled out. - Seller-05/26/2021
 
Resolved-Agree with statement made and WVOE was provided at review - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX VOE.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$524,233.00
CO
Investment
Refinance
Cash Out - Other
494438162
    
D
B
D
A
B
B
C
A
Closed
FCRE7497
2021-05-26 13:43
2021-06-02 15:24
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached, thank you - Seller-05/26/2021
Open-Missing verification of the Taxes and insurance for the property at XXX. - Due Diligence Vendor-05/22/2021
 Ready for Review-Please see attached, thank you - Seller-05/26/2021
 
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
 
 
 
 
  
taxes and ins.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$524,233.00
CO
Investment
Refinance
Cash Out - Other
494438162
    
D
B
D
A
B
B
C
A
Closed
FCRE1253
2021-05-25 18:52
2021-06-02 15:23
Resolved
3 - Material
C
A
Credit
Eligibility
Missing Property Tax Cert
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached, thank you - Seller-05/25/2021
Open-Missing Property Tax Cert - Due Diligence Vendor-05/24/2021
Open-Missing Property Tax Cert.  Missing the tax cert for the subject property.  Use the taxes listed on the appraisal for the monthly tax payment. - Due Diligence Vendor-05/22/2021
 Ready for Review-Please see attached, thank you - Seller-05/25/2021
 
Resolved-Provided as conditioned - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX tax cert XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$524,233.00
CO
Investment
Refinance
Cash Out - Other
494438162
    
D
B
D
A
B
B
C
A
Closed
FPRO5405
2021-05-25 01:48
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/25/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$524,233.00
CO
Investment
Refinance
Cash Out - Other
494438162
    
D
B
D
A
B
B
C
A
Closed
FCOM8844
2021-05-22 15:22
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/25/2021
Open-CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).  - Due Diligence Vendor-05/22/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$524,233.00
CO
Investment
Refinance
Cash Out - Other
494437913
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-19 02:19
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk Review pending. - Due Diligence Vendor-05/19/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$258,750.00
ID
Investment
Purchase
NA
494437349
    
D
A
C
A
A
A
D
A
Closed
FCRE1440
2021-05-25 19:24
2021-06-02 16:15
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-Docs provided showing concurrent purchase. - Due Diligence Vendor-06/02/2021
Ready for Review-Please see attached.  XXX is attached to XXX, payment history not needed as this was a concurrent purchase - Seller-05/25/2021
Open-Housing History Does Not Meet Guideline Requirements. Missing pay history for XXX. - Due Diligence Vendor-05/25/2021
Ready for Review-Please see attached.  XXX  is attached to XXX, payment history not needed as this was a concurrent purchase - Seller-05/25/2021
 
Resolved-Docs provided showing concurrent purchase. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX 1st Pay Ltr_XXX.pdf
XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$175,920.00
GA
Investment
Purchase
NA
494437349
    
D
A
C
A
A
A
D
A
Closed
FPRO1244
2021-05-25 02:38
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
Open-Third party valuation report pending. - Due Diligence Vendor-05/25/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$175,920.00
GA
Investment
Purchase
NA
494437339
    
C
A
C
A
A
A
C
A
Closed
FPRO5405
2021-06-02 18:59
2021-06-07 12:08
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX orXX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-06/04/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$145,400.00
MN
Investment
Refinance
Rate and Term
494437339
    
C
A
C
A
A
A
C
A
Closed
FCRE1186
2021-06-02 16:06
2021-06-02 19:00
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-Statement provided breaking down full PITIA payment. DTI 24.94% within tolerance. - Due Diligence Vendor-06/02/2021
Resolved-Audited DTI of 24.94% exceeds AUS DTI of 23%  - Due Diligence Vendor-06/02/2021
Ready for Review-6/2: Disagree. AUS DTI ratio of 23% was supported. The HOA dues for the property located at XXX were included in the $1,270.50 payment used for qualifying. Attached mortgage statement from the file confirms PITI payment of $978 included escrows for taxes and insurance plus $292.50 monthly HOA fee results in payment amount of $1,270.50. Total debts calculated to $3,935.81 based on primary housing payment of $1,118.23, subject PITIA of $1,034.06, Cohansey REO payment of $1,270.50, plus credit report debt of $513.02. The credit report debt is based on payment amounts reported on the credit report and using 0.5% of the balance to calculate payment on the two student loan debts with monthly payment amount of zero reported on the credit report as allowed per attached page of section 5401.2 of Freddie Mac Guidelines that states to use the monthly payment amount reported on the credit report and if the payment amount reported is zero to use 0.5% of the outstanding loan balance. - Seller-06/02/2021
Open-Audited DTI of 26.17% exceeds AUS DTI of 23%. Due to HOA dues for property located at XXX not included in DTI. - Due Diligence Vendor-05/30/2021
 
Open-Audited DTI of 26.17% exceeds AUS DTI of 23%. Due to HOA dues for property located at XXX not included in DTI. - Due Diligence Vendor-05/28/2021
Ready for Review-6/2: Disagree. AUS DTI ratio of 23% was supported. The HOA dues for the property located at XXX were included in the $1,270.50 payment used for qualifying. Attached mortgage statement from the file confirms PITI payment of $978 included escrows for taxes and insurance plus $292.50 monthly HOA fee results in payment amount of $1,270.50. Total debts calculated to $3,935.81 based on primary housing payment of $1,118.23, subject PITIA of $1,034.06, XXX REO payment of $1,270.50, plus credit report debt of $513.02. The credit report debt is based on payment amounts reported on the credit report and using 0.5% of the balance to calculate payment on the two student loan debts with monthly payment amount of zero reported on the credit report as allowed per attached page of section 5401.2 of Freddie Mac Guidelines that states to use the monthly payment amount reported on the credit report and if the payment amount reported is zero to use 0.5% of the outstanding loan balance. - Seller-06/02/2021
 
Resolved-Statement provided breaking down full PITIA payment. DTI 24.94% within tolerance. - Due Diligence Vendor-06/02/2021
 
 Resolved-Audited DTI of 24.94% exceeds AUS DTI of 23%  - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_Debts_REO.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$145,400.00
MN
Investment
Refinance
Rate and Term
494437272
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-20 23:52
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/20/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$600,000.00
CA
Investment
Refinance
Rate and Term
494437133
    
D
A
D
A
A
A
A
A
Closed
FCRE1316
2021-06-01 00:23
2021-06-02 14:51
Resolved
3 - Material
D
A
Credit
Missing Doc - Employment
Borrower 1 3rd Party VOE Prior to Close Missing
Resolved-VVOE sated 3/XX was provided - Due Diligence Vendor-06/02/2021
Ready for Review-Disagree. The file contains the attached VVOE for XXX dated 3/XX/21 which is within the required 10 business days of the 3/XX/21 Note date. - Seller-06/01/2021
Open-VVOE for borrower 1 within 10 day so of closing was not provided as required. - Due Diligence Vendor-05/27/2021
Ready for Review-Disagree. The file contains the attached VVOE for XXX dated 3/XX/21 which is within the required 10 business days of the 3/XX/21 Note date. - Seller-06/01/2021
 
Resolved-VVOE sated 3/XX was provided - Due Diligence Vendor-06/02/2021
 
 
  
XXX_VVOE.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$356,553.00
FL
Investment
Purchase
NA
494437105
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-22 19:14
2021-06-04 18:15
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/04/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/22/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/04/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$52,800.00
MO
Investment
Purchase
NA
494437105
    
C
A
A
A
A
A
C
A
Closed
FVAL2477
2021-05-28 16:43
2021-06-01 21:27
Resolved
3 - Material
C
A
Property
Appraisal
Appraisal incomplete (missing map, layout, pages, etc.)
Resolved-Appraisal provided. - Due Diligence Vendor-06/01/2021
Ready for Review-See attached appraisal with all signatures visible. - Seller-05/28/2021
Open-Appraisal provided shows all signatures blacked out. - Due Diligence Vendor-05/20/2021
 Ready for Review-See attached appraisal with all signatures visible. - Seller-05/28/2021
 
Resolved-Appraisal provided. - Due Diligence Vendor-06/01/2021
 
 
 
 
  
XXX_Appraisal.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$52,800.00
MO
Investment
Purchase
NA
494437023
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$139,128.00
GA
Investment
Purchase
NA
494436990
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-06-01 14:29
2021-06-01 18:10
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-06/01/2021
 
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). - Due Diligence Vendor-06/01/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-06/01/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$156,000.00
UT
Investment
Refinance
Cash Out - Other
494436883
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-25 00:21
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/25/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$405,000.00
FL
Investment
Purchase
NA
494436305
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-28 16:34
2021-05-31 15:42
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-CU score was not provided on DU approved loan. - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$446,250.00
TX
Investment
Purchase
NA
494436279
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$81,400.00
TX
Investment
Purchase
NA
494436185
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$268,800.00
AZ
Investment
Purchase
NA
494436067
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-26 02:31
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/26/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$278,000.00
RI
Investment
Refinance
Rate and Term
494435997
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-29 06:40
2021-05-31 15:16
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/29/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$252,000.00
CA
Investment
Refinance
Rate and Term
494435996
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$300,000.00
CA
Investment
Refinance
Rate and Term
494435995
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$165,000.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494435931
    
C
B
A
A
C
B
C
A
Closed
finding-651
2021-06-03 15:42
2021-06-03 17:38
Resolved
3 - Material
C
A
Compliance
Points & Fees
TILA Finance Charge Test
Resolved-PCCD and letter to borrower provided correcting name of fee to an non APR fee. - Due Diligence Vendor-06/03/2021
Ready for Review-1026.4(c)(7) The following fees in a transaction secured by real property or in a residential mortgage transaction, if the fees are bona fide and reasonable in amount:
(i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes.
(ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents.
(iii) Notary and credit-report fees.
(iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations.
(v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.
Official interpretation of 4(c)(7)
Real estate or residential mortgage transaction charges. The list of charges in § 1026.4(c)(7) applies both to residential mortgage transactions (which may include, for example, the purchase of a mobile home) and to other transactions secured by real estate. The fees are excluded from the finance charge even if the services for which the fees are imposed are performed by the creditor's employees rather than by a third party. In addition, the cost of verifying or confirming information connected to the item is also excluded. For example, credit-report fees cover not only the cost of the report but also the cost of verifying information in the report. In all cases, charges excluded under § 1026.4(c)(7) must be bona fide and reasonable.
 - Seller-06/03/2021
Open-Issue remains as the name change to title insurance binder does not resolve the finance charge as this is also to be included lender prepaid finance charges. - Due Diligence Vendor-06/02/2021
Ready for Review-Please review corrected CD and letter to borrower with fee name correction to Title Services fee to Title Insurance Binder. - Due Diligence Vendor-05/30/2021
 
Ready for Review-Please review corrected CD and letter to borrower with fee name correction to Title Services fee to Title Insurance Binder. - Seller-05/28/2021
Open-Loan fails TILA Finance charge test due to exclusion of $150 title services fee from lender's prepaid finance charges. See Mavent report in file - pg. 887, Lender fee sheet - p. 756 - Due Diligence Vendor-05/23/2021
Open-This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from  12 CFR §226.18(d)(1) )The finance charge is $326,715.57. The disclosed finance charge of  $326,565.57 is not considered accurate because it is understated by more than $100. - Due Diligence Vendor-05/23/2021
Ready for Review-1026.4(c)(7) The following fees in a transaction secured by real property or in a residential mortgage transaction, if the fees are bona fide and reasonable in amount:
(i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes.
(ii) Fees for preparing loan-related documents, such as deeds, mortgages, and reconveyance or settlement documents.
(iii) Notary and credit-report fees.
(iv) Property appraisal fees or fees for inspections to assess the value or condition of the property if the service is performed prior to closing, including fees related to pest-infestation or flood-hazard determinations.
(v) Amounts required to be paid into escrow or trustee accounts if the amounts would not otherwise be included in the finance charge.
Official interpretation of 4(c)(7)
Real estate or residential mortgage transaction charges. The list of charges in § 1026.4(c)(7) applies both to residential mortgage transactions (which may include, for example, the purchase of a mobile home) and to other transactions secured by real estate. The fees are excluded from the finance charge even if the services for which the fees are imposed are performed by the creditor's employees rather than by a third party. In addition, the cost of verifying or confirming information connected to the item is also excluded. For example, credit-report fees cover not only the cost of the report but also the cost of verifying information in the report. In all cases, charges excluded under § 1026.4(c)(7) must be bona fide and reasonable.
 - Seller-06/03/2021
 Ready for Review-Please review corrected CD and letter to borrower with fee name correction to Title Services fee to Title Insurance Binder. - Seller-05/28/2021
 
Resolved-PCCD and letter to borrower provided correcting name of fee to an non APR fee. - Due Diligence Vendor-06/03/2021
 
 
 
 
  
XXX ltr to brrwr.pdf
XXX PCCD.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$500,000.00
SC
Investment
Refinance
Cash Out - Other
494435931
    
C
B
A
A
C
B
C
A
Closed
FPRO5405
2021-05-23 03:29
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/23/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$500,000.00
SC
Investment
Refinance
Cash Out - Other
494435931
    
C
B
A
A
C
B
C
A
Closed
FCOM8844
2021-05-23 03:15
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/26/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file. - Due Diligence Vendor-05/23/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 
 
 Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/26/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$500,000.00
SC
Investment
Refinance
Cash Out - Other
494435906
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-19 03:27
2021-05-30 04:34
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/19/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$170,000.00
TX
Investment
Purchase
NA
494435878
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-20 00:55
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/21/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file. - Due Diligence Vendor-05/20/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/21/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$108,750.00
TX
Investment
Refinance
Cash Out - Other
494435845
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-19 19:11
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/30/2021
 Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/19/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$246,300.00
AZ
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494435752
    
D
B
A
A
C
B
D
A
Closed
finding-3632
2021-06-03 13:09
2021-06-03 16:42
Resolved
3 - Material
C
A
Compliance
Disclosures (Federal, State, and Data Dependent)
Consummation or Reimbursement Date Validation Test
Resolved-COCs provided to validate increase in fees.  - Due Diligence Vendor-06/03/2021
Ready for Review-Change of Circumstance for the addition of the Transfer Taxes has been uploaded. - Seller-06/03/2021
Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/25/2021
Ready for Review-Change of Circumstance for the addition of the Transfer Taxes has been uploaded. - Seller-06/03/2021
 
 
Resolved-COCs provided to validate increase in fees.  - Due Diligence Vendor-06/03/2021
 
 
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$189,000.00
PA
Investment
Refinance
Cash Out - Other
494435752
    
D
B
A
A
C
B
D
A
Closed
finding-3631
2021-06-03 13:09
2021-06-03 16:42
Resolved
3 - Material
C
A
Compliance
Points & Fees
Reimbursement Amount Validation Test
Resolved-COCs provided to validate increase in fees.  - Due Diligence Vendor-06/03/2021
Ready for Review-Change of Circumstance for the addition of the Transfer Taxes has been uploaded. - Seller-06/03/2021
Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-05/25/2021
Ready for Review-Change of Circumstance for the addition of the Transfer Taxes has been uploaded. - Seller-06/03/2021
 
 
Resolved-COCs provided to validate increase in fees.  - Due Diligence Vendor-06/03/2021
 
 
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$189,000.00
PA
Investment
Refinance
Cash Out - Other
494435752
    
D
B
A
A
C
B
D
A
Closed
finding-3634
2021-06-03 13:08
2021-06-03 16:42
Resolved
3 - Material
C
A
Compliance
TRID
Charges That Cannot Increase Test
Resolved-COCs provided to validate increase in fees.  - Due Diligence Vendor-06/03/2021
Ready for Review-Change of Circumstance for the addition of the Transfer Taxes has been uploaded. - Seller-06/03/2021
Open-Transfer taxes or State Tax Stamps were added to the loan in the amount of $6250 without a valid change of circumstance. - Due Diligence Vendor-05/27/2021
Open-This loan failed the charges that cannot increase test.  (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $6,250.00.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-05/25/2021
Ready for Review-Change of Circumstance for the addition of the Transfer Taxes has been uploaded. - Seller-06/03/2021
 
 
Resolved-COCs provided to validate increase in fees.  - Due Diligence Vendor-06/03/2021
 
 
 
 
  
XXX - Change of Circumstance.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$189,000.00
PA
Investment
Refinance
Cash Out - Other
494435752
    
D
B
A
A
C
B
D
A
Closed
FPRO1244
2021-05-28 05:21
2021-05-31 15:13
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$189,000.00
PA
Investment
Refinance
Cash Out - Other
494435752
    
D
B
A
A
C
B
D
A
Closed
FCOM8844
2021-05-27 23:16
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/28/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).
 
 - Due Diligence Vendor-05/27/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$189,000.00
PA
Investment
Refinance
Cash Out - Other
494435751
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$121,500.00
PA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494435616
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-19 21:44
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/30/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/19/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$159,986.00
NC
Investment
Refinance
Rate and Term
494435614
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-21 16:28
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/27/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/21/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$164,515.00
NC
Investment
Refinance
Rate and Term
494435536
    
D
B
A
A
B
B
D
A
Closed
FPRO1244
2021-05-21 17:25
2021-06-07 19:43
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
Open-CU score was not provided on DU approved loan. - Due Diligence Vendor-05/21/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$360,500.00
NJ
Investment
Refinance
Cash Out - Other
494435536
    
D
B
A
A
B
B
D
A
Closed
FCOM8844
2021-05-21 17:13
2021-05-30 04:48
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/24/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).
Full compliance testing conducted with LE’s and CD’s in file. - Due Diligence Vendor-05/21/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$360,500.00
NJ
Investment
Refinance
Cash Out - Other
494435484
    
D
B
C
A
D
B
A
A
Closed
FCOM8844
2021-05-18 01:06
2021-05-30 04:25
Acknowledged
2 - Non-Material
D
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/19/2021
Open-CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). - Due Diligence Vendor-05/18/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/19/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$67,900.00
TN
Investment
Refinance
Cash Out - Other
494435484
    
D
B
C
A
D
B
A
A
Closed
FCRE1148
2021-05-20 16:38
2021-05-30 04:22
Resolved
3 - Material
C
A
Credit
Title
Title Coverage is Less than Subject Lien(s) Total
Resolved-Short Form Loan Policy provided with insurance amount of $XXX - Due Diligence Vendor-05/21/2021
Resolved-Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/21/2021
Ready for Review-Final Title Policy for loan number XXX - Seller-05/20/2021
Open-Title Coverage Amount of $52500 is Less than Total Amount of Subject Lien(s) $XXX - Due Diligence Vendor-05/18/2021
Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) Loan amount updated from initial request - no updated commitment in file - Due Diligence Vendor-05/17/2021
Ready for Review-Final Title Policy for loan number XXX - Seller-05/20/2021
 
 Resolved-Short Form Loan Policy provided with insurance amount of $XXX - Due Diligence Vendor-05/21/2021
 Resolved-Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-05/21/2021
 
  
XXX FTP.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$67,900.00
TN
Investment
Refinance
Cash Out - Other
494435384
    
D
B
D
A
A
A
B
B
Closed
FCRE1345
2021-06-07 14:43
2021-06-07 15:30
Resolved
3 - Material
D
A
Credit
Missing Doc - Income
Borrower 1 Lease Agreements Missing
Resolved-Documents provided to verify monthly housing expense and rental income. - Due Diligence Vendor-06/07/2021
Ready for Review-Please see attached closing disclosures showing monthly PITIA for refinanced property. Also please see attached rental income worksheet showing a total monthly rental income in the amount of $3,266.  DTI is 35%.
Calculated DTI is less than AUS DTI, as such the loan is not required to be re-submitted to AUS. - Seller-06/07/2021
Open-Per underwriting note on pg 296 indicates all investment properties being refinanced simultaneously. No evidence of updated PITIA for all properties impacted. - Due Diligence Vendor-05/21/2021
Ready for Review-Disagree with finding: The loan is underwritten under Fannie Mae Guidelines. As per AUS finding, the documentation required is either the borrower most recent federal income tax return or lease agreement. The file contains the most recent federal tax return, therefore the lease agreements are not required. - Seller-05/20/2021
Open- - Due Diligence Vendor-05/19/2021
Open- - Due Diligence Vendor-05/19/2021
Open- - Due Diligence Vendor-05/19/2021
Open-Borrower holds a 99% interest in a partnership where all properties listed on the final 1003- including subject- are held.  Per lender note, all are being refinanced to individual name out of this business, however proof of impact to rental income, as well as confirmation of new payment amounts were not provided.  Full verification of these details required as cannot fully calculate for qualifying without this information. - Due Diligence Vendor-05/17/2021
Ready for Review-Please see attached closing disclosures showing monthly PITIA for refinanced property. Also please see attached rental income worksheet showing a total monthly rental income in the amount of $3,266.  DTI is 35%.
Calculated DTI is less than AUS DTI, as such the loan is not required to be re-submitted to AUS. - Seller-06/07/2021
 
 Ready for Review-Disagree with finding: The loan is underwritten under Fannie Mae Guidelines. As per AUS finding, the documentation required is either the borrower most recent federal income tax return or lease agreement. The file contains the most recent federal tax return, therefore the lease agreements are not required. - Seller-05/20/2021
 
 
Resolved-Documents provided to verify monthly housing expense and rental income. - Due Diligence Vendor-06/07/2021
 
 
 
 
  
XXX - DU Tolerance.pdf
XXX - XXX.pdf
XXX - XXX - XXX Rental Income.pdf
XXX - XXX - XXX.pdf
XXX - XXX - XXX Rental Income.pdf
XXX - XXX - XXX.pdf
XXX - XXX - XXX Rental Income.pdf
XXX - XXX - XXX Ave.pdf
XXX - XXX - XXX Rental Income.pdf
XXX - XXX - XXX Rental Income.pdf
XXX - XXX - XXX.pdf
XXX - XXX - XXX.pdf
XXX - XXX - XXX Rental Income.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$254,540.00
UT
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494435384
    
D
B
D
A
A
A
B
B
Closed
FPRO1498
2021-05-18 13:58
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/18/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$254,540.00
UT
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494434965
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$75,000.00
TX
Investment
Purchase
NA
494434897
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$65,600.00
WI
Investment
Purchase
NA
494434729
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-26 22:33
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or -XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) - Due Diligence Vendor-05/26/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or -XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$404,250.00
CO
Investment
Refinance
Cash Out - Other
494434694
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$162,000.00
TX
Investment
Refinance
Rate and Term
494434659
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$507,779.00
HI
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494434340
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-19 17:13
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/19/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$172,000.00
GA
Investment
Refinance
Rate and Term
494433853
    
C
A
C
A
A
A
A
A
Closed
FCRE1168
2021-06-02 18:42
2021-06-02 19:38
Resolved
3 - Material
C
A
Credit
Insurance
Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided
Resolved-Replacement cost estimate provided. - Due Diligence Vendor-06/02/2021
Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX- Due Diligence Vendor-06/02/2021
Ready for Review-Replacement Cost Estimator has been received and uploaded. - Seller-06/02/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-05/26/2021
Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXX is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XX - Due Diligence Vendor-05/25/2021
Ready for Review-Replacement Cost Estimator has been received and uploaded. - Seller-06/02/2021
 
 
Resolved-Replacement cost estimate provided. - Due Diligence Vendor-06/02/2021
 Resolved-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of $XXXis less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of $XXX - Due Diligence Vendor-06/02/2021
 
 
  
XXX - Replacement Cost Estimator.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$450,000.00
CA
Investment
Refinance
Rate and Term
494433711
    
D
B
C
B
A
A
D
A
Closed
FCRE1186
2021-06-02 16:19
2021-06-03 14:09
Acknowledged
2 - Non-Material
C
B
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Acknowledged-Post close AUS ran with new DTI of 35.77% versus review DTI of 31.39% - Due Diligence Vendor-06/03/2021
Ready for Review-Please see updated AUS with higher DTI (appears underwriter accidentally input still higher DTI), still retained approve/eligible.  Please see mortgage statement for XXX, borrower is not on loan. - Seller-06/02/2021
Open-DTI is 31.39% and is required to be rerun. Cause for higher DTI than DU of 19.42%, is due to additional property for XXX noted on the 1003 and #XXX were not included to evidence negative rents while review used full PITI as required. - Due Diligence Vendor-05/26/2021
Open-DTI is 31.39% and is required to be rerun. Cause for higher DTI than DU of 19.42%, is due to additional property for XXX noted on the 1003 and XXX were not included to evidence negative rents while review used full PITI as required. Provide corrected DU and 1008 to match. - Due Diligence Vendor-05/25/2021
Ready for Review-Please see updated AUS with higher DTI (appears underwriter accidentally input still higher DTI), still retained approve/eligible.  Please see mortgage statement for XXX, borrower is not on loan. - Seller-06/02/2021
 
Acknowledged-Post close AUS ran with new DTI of 35.77% versus review DTI of 31.39% - Due Diligence Vendor-06/03/2021
 
 
  
XXX 1003.pdf
XXX AUS.pdf
XXX 1008.pdf
XXX mtg stmt.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$330,000.00
AZ
Investment
Purchase
NA
494433711
    
D
B
C
B
A
A
D
A
Closed
FPRO1244
2021-05-26 02:57
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/26/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$330,000.00
AZ
Investment
Purchase
NA
494433510
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-28 22:42
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 Acknowledged-Loan would be valid as GSE SH. - Due Diligence Vendor-05/29/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but the borrower's cash out letter was not specific in disclosing which property would benefit from use of the cash in hand funds(consumer or business purposes).
Full compliance testing conducted with LE’s and CD’s in file. - Due Diligence Vendor-05/28/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 
 
 Acknowledged-Loan would be valid as GSE SH. - Due Diligence Vendor-05/29/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$61,600.00
AL
Investment
Refinance
Cash Out - Other
494432963
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-29 19:03
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/30/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/29/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/30/2021
 
 
 
 Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/30/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$105,800.00
NC
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494432887
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-27 23:16
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.8) - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$120,000.00
CA
Investment
Purchase
NA
494432010
    
D
A
C
A
A
A
D
A
Closed
FCRE1455
2021-06-02 19:41
2021-06-02 20:18
Resolved
3 - Material
C
A
Credit
Assets
Asset 1 Less Than 2 Months Verified
Resolved-Three months statements provided. - Due Diligence Vendor-06/02/2021
Ready for Review-6/2: Three months consecutive bank statements are attached with balance of $6,409.43 as of 2/26/2021, with balance matching available assets per DU Findings and sufficient to meet reserves requirement. - Seller-06/02/2021
Open-Asset 1 Less Than 2 Months Verified.  Missing second consecutive month of asset statement.   - Due Diligence Vendor-05/28/2021
Open-Asset 1 Less Than 2 Months Verified - Due Diligence Vendor-05/28/2021
Ready for Review-6/2: Three months consecutive bank statements are attached with balance of $6,409.43 as of 2/26/2021, with balance matching available assets per DU Findings and sufficient to meet reserves requirement. - Seller-06/02/2021
 
 
Resolved-Three months statements provided. - Due Diligence Vendor-06/02/2021
 
 
  
XXX_Assets.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$184,200.00
UT
Investment
Refinance
Cash Out - Other
494432010
    
D
A
C
A
A
A
D
A
Closed
FPRO1244
2021-05-28 03:34
2021-05-31 15:35
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-CU score was not provided on DU approved loan. - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$184,200.00
UT
Investment
Refinance
Cash Out - Other
494431956
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-22 15:28
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3) - Due Diligence Vendor-05/22/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$110,400.00
OH
Investment
Purchase
NA
494431863
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$236,250.00
UT
Investment
Purchase
NA
494431795
    
D
A
C
A
A
A
D
A
Closed
FCRE1186
2021-06-03 17:33
2021-06-03 19:37
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-Audited DTI of 44.85% is less than or equal to AUS DTI of 45.63%  - Due Diligence Vendor-06/03/2021
Ready for Review-Please see attached closing disclosure for property located at XXX showing a monthly payment of $2,288. - Seller-06/03/2021
Open-Updated DTI 48.02% once depreciation added back in. Variance of DTI due to property located at 4055 N Springfield. AUS included $2276.25 versus Credit Report payment listed of $2566. No evidence in file of concurrent refinance to support payment of $2276.25 - Due Diligence Vendor-06/02/2021
Open-Audited DTI of 48.02% exceeds AUS DTI of 45.63%  - Due Diligence Vendor-06/02/2021
Ready for Review-Disagree with finding: Auditor did not add back the depreciation in the amount of $9,348 to rental calculation. The result of adding the depreciation back will result a rental income in the amount of $1,559. - Due Diligence Vendor-05/30/2021
Ready for Review-Disagree with finding: Auditor did not add back the depreciation in the amount of $9,348 to rental calculation. The result of adding the depreciation back will result a rental income in the amount of $1,559. - Seller-05/28/2021
Open-The calculated DTI is 55.23%, the DU DTI is 45.63%.  The difference is due to the rental income for the subject property, The lender used $1,416.83.  The calculated rental income is $780.16. - Due Diligence Vendor-05/25/2021
Ready for Review-Please see attached closing disclosure for property located at XXX  showing a monthly payment of $2,288. - Seller-06/03/2021
Ready for Review-Disagree with finding: Auditor did not add back the depreciation in the amount of $9,348 to rental calculation. The result of adding the depreciation back will result a rental income in the amount of $1,559. - Seller-05/28/2021
 
Resolved-Audited DTI of 44.85% is less than or equal to AUS DTI of 45.63%  - Due Diligence Vendor-06/03/2021
 
 
  
XXX CD.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$437,450.00
IL
Investment
Refinance
Cash Out - Debt Consolidation
494431795
    
D
A
C
A
A
A
D
A
Closed
FPRO1244
2021-05-27 03:25
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$437,450.00
IL
Investment
Refinance
Cash Out - Debt Consolidation
494431733
    
D
A
A
A
D
A
A
A
Closed
FCOM1231
2021-06-04 20:30
2021-06-05 03:07
Resolved
1 - Information
D
A
Compliance
Missing Doc - Closing Package
The Initial 1003 is Missing
Resolved-Initial 1003 provided. - Due Diligence Vendor-06/05/2021
Ready for Review-The initial 1003 has been uploaded. - Seller-06/04/2021
Open-The Initial 1003 is Missing - Due Diligence Vendor-05/27/2021
Ready for Review-The initial 1003 has been uploaded. - Seller-06/04/2021
 
 
Resolved-Initial 1003 provided. - Due Diligence Vendor-06/05/2021
 
 
 
 
  
XXX_1003.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$62,400.00
MO
Investment
Purchase
NA
494431676
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$244,000.00
CO
Investment
Purchase
NA
494431674
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$548,250.00
TX
Investment
Purchase
NA
494431457
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$222,640.00
PA
Investment
Purchase
NA
494431447
    
D
B
D
A
B
B
A
A
Closed
FCRE7497
2021-05-30 23:34
2021-06-02 15:06
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-MTG stmts provided showing property is escrowed. - Due Diligence Vendor-06/02/2021
Ready for Review-5/30: Attached from the file are the mortgage statements for the two properties confirming mortgage payments include escrows for taxes and insurance.  - Seller-05/30/2021
Open-Missing verification for Taxes and insurance for the following properties:
 
1- XXX
2- XXX
 - Due Diligence Vendor-05/26/2021
Ready for Review-5/30: Attached from the file are the mortgage statements for the two properties confirming mortgage payments include escrows for taxes and insurance.  - Seller-05/30/2021
 
 
Resolved-MTG stmts provided showing property is escrowed. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_REO_Escrowed.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$100,000.00
TX
Investment
Refinance
Cash Out - Other
494431447
    
D
B
D
A
B
B
A
A
Closed
FCRE1764
2021-05-30 23:37
2021-06-02 13:16
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing Verification of Mortgage
Resolved-Documentation provided showing XX in addition to XX as required. - Due Diligence Vendor-06/02/2021
Ready for Review-5/30: The REO properties at XXX are both owned free and clear. See attached HOI policies to support no mortgagees. Verification of HOI and tax payment on both properties attached from the file. - Seller-05/30/2021
Open-Missing verification of mortgage for the following REOs:
 
1- XXX
2- XXX
 
 
 - Due Diligence Vendor-05/26/2021
Ready for Review-5/30: The REO properties at XXX. and XXX. are both owned free and clear. See attached HOI policies to support no mortgagees. Verification of HOI and tax payment on both properties attached from the file. - Seller-05/30/2021
 
Resolved-Documentation provided showing XX in addition to XXX as required. - Due Diligence Vendor-06/02/2021
 
 
  
XXX_REO_FreeClear.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$100,000.00
TX
Investment
Refinance
Cash Out - Other
494431447
    
D
B
D
A
B
B
A
A
Closed
FCOM8844
2021-05-28 15:52
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 Acknowledged-Loan would be eligible as GSE SH. - Due Diligence Vendor-05/29/2021
Open-CD shows that all cash out is going directly to borrower but it was not specifically disclosed how the cash in hand was to be utilized (consumer or business purposes). Letter in file stated cash-out funds to be used for home remodeling/ repairs, however, did not designate  which property funds would be used to remodel/repair. Full compliance testing completed successfully -with LE’s and CD’s in file. - Due Diligence Vendor-05/28/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 
 
 Acknowledged-Loan would be eligible as GSE SH. - Due Diligence Vendor-05/29/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$100,000.00
TX
Investment
Refinance
Cash Out - Other
494431403
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$215,000.00
NC
Investment
Purchase
NA
494430964
    
D
A
D
A
A
A
D
A
Closed
FPRO1244
2021-05-20 02:37
2021-06-08 12:10
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/08/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
Open-Third party valuation required. - Due Diligence Vendor-05/20/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/08/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$435,000.00
NJ
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494430964
    
D
A
D
A
A
A
D
A
Closed
FCRE7497
2021-05-20 21:05
2021-05-30 04:50
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-CD with PITI provided. - Due Diligence Vendor-05/21/2021
Ready for Review-Disagree with finding: The file contains the closing disclosure of the property located at XXX. Please see attached. - Seller-05/20/2021
Open-Missing documentation to support the PITI for the property located at XXX. - Due Diligence Vendor-05/17/2021
Ready for Review-Disagree with finding: The file contains the closing disclosure of the property located at XXX. Please see attached. - Seller-05/20/2021
 
Resolved-CD with PITI provided. - Due Diligence Vendor-05/21/2021
 
  
XXX - CD XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$435,000.00
NJ
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494430922
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-18 17:33
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/18/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$75,400.00
IN
Investment
Refinance
Rate and Term
494430849
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$270,000.00
CA
Investment
Refinance
Cash Out - Other
494430805
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$371,250.00
CA
Investment
Refinance
Rate and Term
494430753
    
D
A
D
A
A
A
C
A
Closed
FPRO5405
2021-05-26 23:30
2021-06-08 13:10
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/26/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$176,250.00
OH
Investment
Refinance
Cash Out - Other
494430753
    
D
A
D
A
A
A
C
A
Closed
FCRE7497
2021-05-30 22:46
2021-06-02 15:08
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-MTG stmt provided showing property is escrowed. - Due Diligence Vendor-06/02/2021
Ready for Review-5/30: See attached copy of borrower's XXX account statement that confirms the $1,453 primary housing payment includes escrows. Breakdown of payment for mortgage ending in #XXX is at the bottom of page two of statement (Principal $378.31 + Interest $378.31 + Escrows $604.70). Copy of the mortgage for the primary residence at XXX is attached, showing mortgage opened 5/2020 with loan amount of $207,900, matching the mortgage on credit report for account ending in #XXX. - Seller-05/30/2021
Open-Missing verification of taxes or evidence the taxes are escrowed for the property located at XXX. - Due Diligence Vendor-05/26/2021
Ready for Review-5/30: See attached copy of borrower's XXX account statement that confirms the $1,453 primary housing payment includes escrows. Breakdown of payment for mortgage ending in #XXX is at the bottom of page two of statement (Principal $378.31 + Interest $378.31 + Escrows $604.70). Copy of the mortgage for the primary residence at XXX is attached, showing mortgage opened 5/2020 with loan amount of $207,900, matching the mortgage on credit report for account ending in #XXX. - Seller-05/30/2021
 
Resolved-MTG stmt provided showing property is escrowed. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
image.png
XXX_PrimaryPITI.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$176,250.00
OH
Investment
Refinance
Cash Out - Other
494430607
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$130,000.00
TX
Investment
Purchase
NA
494430539
    
C
A
C
A
A
A
A
A
Closed
FCRE1440
2021-06-07 18:54
2021-06-07 20:27
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-06/07/2021
 
Ready for Review-Please see attached first payment letter along with documentation of taxes, ins and HOA - please note that taxes and insurance are included in new mortgage payment of $2964.11.  Note that this was a recent refinance - credit supplement attached shows payment history for loan being paid off. - Seller-06/07/2021
 
Open-Housing History Does Not Meet Guideline Requirements. Need new mortgage statement or CD/settlement statement for primary residence to show new payment. - Due Diligence Vendor-06/04/2021
0
 
Resolved-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-06/07/2021
 
 
  
credit supp.pdf
reo docs.pdf
XXX First Pmt Letter.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$124,950.00
TX
Investment
Refinance
Cash Out - Other
494430462
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-20 18:49
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/26/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/26/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$145,000.00
CO
Investment
Refinance
Cash Out - Other
494430459
    
D
A
D
A
A
A
C
A
Closed
FPRO5405
2021-05-26 21:20
2021-06-07 19:46
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible). Desk review pending. - Due Diligence Vendor-05/26/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$93,937.00
NJ
Investment
Purchase
NA
494430459
    
D
A
D
A
A
A
C
A
Closed
FCRE1764
2021-06-02 20:04
2021-06-02 20:37
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing Verification of Mortgage
Resolved-Property previously free and clear. - Due Diligence Vendor-06/02/2021
Ready for Review-See attached Note and CD from the recent refinance of XXX which documents the terms of the mortgage. Please note that there was no payoff, which supports the property was previously free and clear. - Seller-06/02/2021
Open-Missing mortgage statement for the following rental property:
 
1- XXX - Due Diligence Vendor-05/24/2021
Ready for Review-See attached Note and CD from the recent refinance of XXX which documents the terms of the mortgage. Please note that there was no payoff, which supports the property was previously free and clear. - Seller-06/02/2021
 
Resolved-Property previously free and clear. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_XXX_St.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$93,937.00
NJ
Investment
Purchase
NA
494430459
    
D
A
D
A
A
A
C
A
Closed
FCRE7497
2021-05-27 18:30
2021-06-02 15:22
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-MTG stmts provided evidencing MTG's are escrowed - Due Diligence Vendor-06/02/2021
 
Ready for Review-See attached PITIA docs for REO located at XXX - Seller-05/27/2021
Open-Missing verification of taxes and insurance for the following properties:
 
1- XXX
2- XXX
3- XXX
 
 - Due Diligence Vendor-05/24/2021
 Ready for Review-See attached PITIA docs for REO located at XXX & XXX - Seller-05/27/2021
 
Resolved-MTG stmts provided evidencing MTG's are escrowed - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_PITI XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$93,937.00
NJ
Investment
Purchase
NA
494430392
    
C
A
C
A
A
A
A
A
Closed
FCRE1437
2021-06-04 19:45
2021-06-07 13:45
Resolved
3 - Material
C
A
Credit
Income
Income and Employment Do Not Meet Guidelines
Resolved-Documentation provided for all missing sources of rental income. - Due Diligence Vendor-06/07/2021
Ready for Review-6/4: See attached CD confirming primary housing expense for XXX. Mortgage statements attached for three of the properties in question to verify payments include escrows for taxes and insurance. The four other properties questioned were owned free and clear as stated on loan application and supported by tax returns showing no mortgage interest expense and FraudGuard report showing no loan/lender information. Attachment includes verification of taxes for free/clear properties and HOA dues for the condo units referenced. - Seller-06/04/2021
Open-In addition, missing borrower's primary housing expenses. - Due Diligence Vendor-05/28/2021
Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-05/28/2021
Open-Income and Employment Do Not Meet Guidelines. Unable to verify rental income due to missing housing expenses for the following properties: XXX. Some properties are free and clear, however, no confirmation on those properties.  - Due Diligence Vendor-05/28/2021
Ready for Review-6/4: See attached CD confirming primary housing expense for XXX. Mortgage statements attached for three of the properties in question to verify payments include escrows for taxes and insurance. The four other properties questioned were owned free and clear as stated on loan application and supported by tax returns showing no mortgage interest expense and XXX report showing no loan/lender information. Attachment includes verification of taxes for free/clear properties and HOA dues for the condo units referenced. - Seller-06/04/2021
 
Resolved-Documentation provided for all missing sources of rental income. - Due Diligence Vendor-06/07/2021
 
 
 
 
  
XXX_REOdocs.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$141,000.00
NC
Investment
Refinance
Cash Out - Other
494430391
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-22 19:48
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.4) - Due Diligence Vendor-05/22/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$148,000.00
AZ
Investment
Purchase
NA
494430187
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-20 15:46
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.02) - Due Diligence Vendor-05/20/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$136,500.00
IN
Investment
Refinance
Cash Out - Other
494430182
    
C
B
C
A
A
A
B
B
Closed
FCRE1189
2021-05-20 19:35
2021-05-30 06:19
Resolved
3 - Material
C
A
Credit
Eligibility
Audited HCLTV Exceeds AUS HCLTV
Resolved-Correct DU approval provided with LTV/CLTV/HCLTV of 51% - Due Diligence Vendor-05/21/2021
Resolved-Audited HCLTV of 50.19% is less than or equal to AUS HCLTV of 51%  - Due Diligence Vendor-05/21/2021
Ready for Review-Please see attached AUS that was run with correct loan amount/LTV.  Thank you - Seller-05/20/2021
Open-Audited HCLTV of 50.19% exceeds AUS HCLTV of 50%. Audited CLTV of 50.19% exceeds AUS CLTV of 50%. AUS has loan amount of $XXX instead of Note loan amount of $XXX. - Due Diligence Vendor-05/19/2021
Ready for Review-Please see attached AUS that was run with correct loan amount/LTV.  Thank you - Seller-05/20/2021
 
 
Resolved-Correct DU approval provided with LTV/CLTV/HCLTV of 51% - Due Diligence Vendor-05/21/2021
 Resolved-Audited HCLTV of 50.19% is less than or equal to AUS HCLTV of 51%  - Due Diligence Vendor-05/21/2021
 
  
XXX run 5.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$225,877.00
AZ
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494430182
    
C
B
C
A
A
A
B
B
Closed
FCRE1188
2021-05-20 19:37
2021-05-30 06:19
Resolved
3 - Material
C
A
Credit
Eligibility
Audited CLTV Exceeds AUS CLTV
Resolved-Correct DU approval provided with LTV/CLTV/HCLTV of 51% - Due Diligence Vendor-05/21/2021
Resolved-Audited CLTV of 50.19% is less than or equal to AUS CLTV of 51%  - Due Diligence Vendor-05/21/2021
Ready for Review-Please see attached AUS that was run with correct loan amount/LTV.  Thank you - Seller-05/20/2021
Open-Audited CLTV of 50.19% exceeds AUS CLTV of 50%. AUS has loan amount of $XXXinstead of Note loan amount of $XXX. - Due Diligence Vendor-05/19/2021
Ready for Review-Please see attached AUS that was run with correct loan amount/LTV.  Thank you - Seller-05/20/2021
 
 
Resolved-Correct DU approval provided with LTV/CLTV/HCLTV of 51% - Due Diligence Vendor-05/21/2021
 Resolved-Audited CLTV of 50.19% is less than or equal to AUS CLTV of 51%  - Due Diligence Vendor-05/21/2021
 
  
XXX run 5.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$225,877.00
AZ
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494430182
    
C
B
C
A
A
A
B
B
Closed
FCRE1187
2021-05-20 19:35
2021-05-30 06:19
Resolved
3 - Material
C
A
Credit
Eligibility
Audited LTV Exceeds AUS LTV
 
 Resolved-Correct DU approval provided with LTV/CLTV/HCLTV of 51% - Due Diligence Vendor-05/21/2021
Resolved-Audited LTV of 50.19% is less than or equal to AUS CLTV of 51%  - Due Diligence Vendor-05/21/2021
Ready for Review-Please see attached AUS that was run with correct loan amount/LTV.  Thank you - Seller-05/20/2021
Open-Audited LTV of 50.19% exceeds AUS CLTV of 50%. Audited CLTV of 50.19% exceeds AUS CLTV of 50%. AUS has loan amount of $222,677 instead of Note loan amount of $225,877. - Due Diligence Vendor-05/19/2021
Ready for Review-Please see attached AUS that was run with correct loan amount/LTV.  Thank you - Seller-05/20/2021
 
 
Resolved-Correct DU approval provided with LTV/CLTV/HCLTV of 51% - Due Diligence Vendor-05/21/2021
 Resolved-Audited LTV of 50.19% is less than or equal to AUS CLTV of 51%  - Due Diligence Vendor-05/21/2021
 
  
XXX run 5.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$225,877.00
AZ
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494430182
    
C
B
C
A
A
A
B
B
Closed
FPRO1498
2021-05-18 23:01
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/30/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/18/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/30/2021
 
 
 
 Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$225,877.00
AZ
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494430139
    
D
A
D
A
A
A
C
A
Closed
FPRO9939
2021-05-25 01:20
2021-06-04 20:07
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/04/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 5). Desk review pending. - Due Diligence Vendor-05/25/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/04/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$94,000.00
PA
Investment
Purchase
NA
494430139
    
D
A
D
A
A
A
C
A
Closed
FCRE7497
2021-05-25 18:12
2021-06-02 16:16
Resolved
3 - Material
D
A
Credit
Missing Doc
Missing verification of taxes, insurance, and/or HOA fees for non-subject property
Resolved-MTG stmts. provided evidencing escrows. - Due Diligence Vendor-06/02/2021
Ready for Review-See attached mortg statements for T&I for REO properties - Seller-05/25/2021
Open-Missing Tax bill for the following properties:
 
1- XXX
2- XXX
 
Missing proof of insurance for the following properties:
 
1- XXX
2- XXX
3- XXX
3 XXX
 - Due Diligence Vendor-05/21/2021
 Ready for Review-See attached mortg statements for T&I for REO properties - Seller-05/25/2021
 
Resolved-MTG stmts. provided evidencing escrows. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_270.pdf
XXX_2418.pdf
XXX_117.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$94,000.00
PA
Investment
Purchase
NA
494430136
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$120,600.00
TN
Investment
Refinance
Cash Out - Other
494430121
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$90,000.00
TX
Investment
Purchase
NA
494430120
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-29 18:13
2021-05-30 08:03
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/29/2021
Open-Final CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). - Due Diligence Vendor-05/29/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/29/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$132,000.00
TX
Investment
Refinance
Cash Out - Other
494429923
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-27 05:37
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/28/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file.
 - Due Diligence Vendor-05/27/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$440,000.00
CA
Investment
Refinance
Cash Out - Other
494429320
    
C
B
C
B
A
A
A
A
Closed
FCRE1159
2021-05-30 00:30
2021-05-30 06:21
Acknowledged
2 - Non-Material
C
B
Credit
Insurance
Hazard Insurance Effective Date is after the Note Date
Acknowledged-Finding acknowledged. XXX has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 3 day window. - Due Diligence Vendor-05/30/2021
 Ready for Review-XXX has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 3 day window. There are no claims reported for this period of time from 04/XX/2021 to 04/XX/2021 - Seller-05/30/2021
Open-Hazard Insurance Effective Date of 04-XX-2021 is after the Note Date of 04-XX-2021 - Due Diligence Vendor-05/28/2021
Ready for Review-XXX has a Vendor XXX and in the event of a gap in coverage any claims would have been covered during that 3 day window. There are no claims reported for this period of time from 04/XX/2021 to 04/XX/2021 - Seller-05/30/2021
 
Acknowledged-Finding acknowledged.XXX has a VendorXX and in the event of a gap in coverage any claims would have been covered during that 3 day window. - Due Diligence Vendor-05/30/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$104,000.00
IN
Investment
Purchase
NA
494429290
    
D
B
A
A
B
B
D
A
Closed
FPRO1244
2021-05-26 00:07
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-CU score was not provided on DU approved loan. - Due Diligence Vendor-05/26/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$400,000.00
CA
Investment
Refinance
Cash Out - Other
494429290
    
D
B
A
A
B
B
D
A
Closed
FCOM8844
2021-05-26 00:03
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true - Due Diligence Vendor-05/27/2021
 
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file.
 - Due Diligence Vendor-05/26/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true - Due Diligence Vendor-05/27/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$400,000.00
CA
Investment
Refinance
Cash Out - Other
494429049
    
D
A
D
A
A
A
C
A
Closed
FCRE1191
2021-06-01 19:22
2021-06-02 17:19
Resolved
3 - Material
C
A
Credit
Eligibility
Audited Reserves are less than AUS Required Reserves (Dollar Amount)
Resolved-Discover bank statements provided showing $60,036.13 in reserves. - Due Diligence Vendor-06/02/2021
Resolved-Audited Reserves of 60036.13 are greater than or equal to AUS Required Reserves of 8712.32 - Due Diligence Vendor-06/02/2021
Ready for Review-6/1: Asset documentation attached for borrower's online savings account with Discover with over $50,000 in verified assets available for reserves.  - Seller-06/01/2021
Open-Audited Reserves of 0 are less than AUS Required Reserves of 8712.32 - Due Diligence Vendor-05/27/2021
Ready for Review-6/1: Asset documentation attached for borrower's online savings account with XXX with over $50,000 in verified assets available for reserves.  - Seller-06/01/2021
 
Resolved-Discover bank statements provided showing $60,036.13 in reserves. - Due Diligence Vendor-06/02/2021
 
 Resolved-Audited Reserves of 60036.13 are greater than or equal to AUS Required Reserves of 8712.32 - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX__Reserves.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$93,500.00
PA
Investment
Refinance
Cash Out - Other
494429049
    
D
A
D
A
A
A
C
A
Closed
FCRE1467
2021-06-01 19:22
2021-06-02 17:19
Resolved
3 - Material
D
A
Credit
Missing Doc - Assets
Asset 1 Missing
Resolved-Asset 1 Provided - Due Diligence Vendor-06/02/2021
Resolved-Discover stmt provided showing $60,036.13 for 2 months as required - Due Diligence Vendor-06/02/2021
Resolved-Asset 1 Provided - Due Diligence Vendor-06/02/2021
Resolved-Assets provided as required. - Due Diligence Vendor-06/02/2021
Ready for Review-6/1: Asset documentation attached for borrower's online savings account with XXX with over $50,000 in verified assets available for reserves.  - Seller-06/01/2021
Open-Asset 1 Missing - DU approved loan with required assets of $8712.32; loan file contains no verified assets. - Due Diligence Vendor-05/27/2021
Ready for Review-6/1: Asset documentation attached for borrower's online savings account with XXX with over $50,000 in verified assets available for reserves.  - Seller-06/01/2021
 
Resolved-XXX stmt provided showing $60,036.13 for 2 months as required - Due Diligence Vendor-06/02/2021
 Resolved-Asset 1 Provided - Due Diligence Vendor-06/02/2021
 Resolved-Assets provided as required. - Due Diligence Vendor-06/02/2021
 
 
  
XXX__Reserves.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$93,500.00
PA
Investment
Refinance
Cash Out - Other
494429049
    
D
A
D
A
A
A
C
A
Closed
FPRO9939
2021-05-27 16:10
2021-06-02 17:19
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.9) - Due Diligence Vendor-05/27/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$93,500.00
PA
Investment
Refinance
Cash Out - Other
494428974
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-19 02:11
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-Third party valuation product is required. - Due Diligence Vendor-05/19/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$292,500.00
AZ
Investment
Refinance
NA
494428548
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-19 19:04
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
 
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/21/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/19/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$234,250.00
DE
Investment
Refinance
Rate and Term
494428446
    
C
B
C
A
B
B
A
A
Closed
FCRE1437
2021-05-31 01:22
2021-06-02 14:53
Resolved
3 - Material
C
A
Credit
Income
Income and Employment Do Not Meet Guidelines
Resolved-Property detail report provided to evidence the property was XX until 4/XX and causes no issue. - Due Diligence Vendor-06/02/2021
Ready for Review-5/30: The property at XXX had been owned free and clear until the new mortgage was obtained on 4/XX/2021. See attached documentation from the file confirming property was free and clear, along with Closing Disclosure from the recent mortgage taken on the property.  - Seller-05/31/2021
Open-Income and Employment Do Not Meet Guidelines. Missing mortgage statements for the following properties: XXX and - Due Diligence Vendor-05/26/2021
Ready for Review-5/30: The property at XXX had been owned free and clear until the new mortgage was obtained on 4/XX/2021. See attached documentation from the file confirming property was free and clear, along with Closing Disclosure from the recent mortgage taken on the property.  - Seller-05/31/2021
 
Resolved-Property detail report provided to evidence the property was XX until 4/XXand causes no issue. - Due Diligence Vendor-06/02/2021
 
 
  
XXX_REO_MtgVerif.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$154,500.00
NC
Investment
Refinance
Cash Out - Other
494428446
    
C
B
C
A
B
B
A
A
Closed
FCRE5275
2021-05-31 01:25
2021-06-02 13:22
Resolved
3 - Material
C
A
Credit
Eligibility
Asset do not meet guidelines
Resolved-CD provided evidencing proceeds as required. - Due Diligence Vendor-06/02/2021
Ready for Review-5/30: Attached is a copy of the Closing Disclosure from the refinance transaction of the property at XXX that shows net proceeds to the borrower of $101,864.78, more than sufficient to meet AUS requirement. - Seller-05/31/2021
Open-Missing verification of proceeds in the amount of $102,733.16.  - Due Diligence Vendor-05/26/2021
Ready for Review-5/30: Attached is a copy of the Closing Disclosure from the refinance transaction of the property at XXX that shows net proceeds to the borrower of $101,864.78, more than sufficient to meet AUS requirement. - Seller-05/31/2021
 
Resolved-CD provided evidencing proceeds as required. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_REO_Proceeds.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$154,500.00
NC
Investment
Refinance
Cash Out - Other
494428446
    
C
B
C
A
B
B
A
A
Closed
FCOM8844
2021-05-26 14:57
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 Acknowledged-null - Due Diligence Vendor-05/29/2021
Open-Full regulatory testing was completed and no issues were found and loan would be eligible as GSE SH. - Due Diligence Vendor-05/29/2021
Open- - Due Diligence Vendor-05/26/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$154,500.00
NC
Investment
Refinance
Cash Out - Other
494428356
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-29 06:21
2021-05-31 16:20
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 3.8) - Due Diligence Vendor-05/29/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$255,750.00
NC
Investment
Purchase
NA
494428151
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$103,000.00
FL
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494427918
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-06-01 17:57
2021-06-01 17:57
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-06/01/2021
 
Open-CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).  - Due Diligence Vendor-06/01/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-06/01/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$106,400.00
CA
Investment
Refinance
Cash Out - Other
494427305
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$202,313.00
UT
Investment
Purchase
NA
494427036
    
C
A
C
A
A
A
A
A
Closed
FCRE1440
2021-06-04 17:29
2021-06-07 13:57
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-Final CD to verify primary housing expense provided. - Due Diligence Vendor-06/07/2021
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/07/2021
Ready for Review-The borrower recently refinanced their primary residence. The final CD and first payment letter are attached to document the taxes and insurance are escrowed. The new PITI is less than the prior PITI. - Seller-06/04/2021
Open-Housing History Does Not Meet Guideline Requirements.  Need mortgage statement for primary residence to show that TI is part of the payment.   - Due Diligence Vendor-05/28/2021
Ready for Review-The borrower recently refinanced their primary residence. The final CD and first payment letter are attached to document the taxes and insurance are escrowed. The new PITI is less than the prior PITI. - Seller-06/04/2021
 
 
Resolved-Final CD to verify primary housing expense provided. - Due Diligence Vendor-06/07/2021
 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/07/2021
 
 
  
XXX_Primary_Refi_CD.pdf
XXX_Primary_FPL.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$502,900.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494426169
    
D
A
D
A
A
A
D
A
Closed
FPRO1244
2021-05-21 01:41
2021-06-07 19:39
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
Open-Third party valuation product not provided. - Due Diligence Vendor-05/21/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/07/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$176,250.00
NJ
Investment
Purchase
NA
494426169
    
D
A
D
A
A
A
D
A
Closed
FCRE1328
2021-05-21 18:14
2021-05-30 05:52
Resolved
3 - Material
D
A
Credit
Missing Doc - Income
Borrower 1 W2/1099 Missing
Resolved-3rd party WVOE showing previous years income provided. - Due Diligence Vendor-05/30/2021
 Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-05/22/2021
Ready for Review-See attached 3rd party WVOE showing previous years income - Seller-05/21/2021
Open-Borrower 1 W2/1099 Missing. AUS requires a W2 from prior year. - Due Diligence Vendor-05/20/2021
Ready for Review-See attached 3rd party WVOE showing previous years income - Seller-05/21/2021
 
 
Resolved-3rd party WVOE showing previous years income provided. - Due Diligence Vendor-05/30/2021
Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-05/22/2021
 
  
XXX_WVOE.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$176,250.00
NJ
Investment
Purchase
NA
494426169
    
D
A
D
A
A
A
D
A
Closed
FCRE1330
2021-05-21 18:17
2021-05-30 05:50
Resolved
3 - Material
D
A
Credit
Missing Doc - Income
Borrower 1 Paystubs Missing
Resolved-WVOE provided. - Due Diligence Vendor-05/22/2021
Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/22/2021
Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/22/2021
Resolved-WVOE provided. - Due Diligence Vendor-05/22/2021
Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/22/2021
Ready for Review-See attached 3rd party WVOE showing previous years income. Per AUS income may be verified by paystub, W2 or standard WVOE - Seller-05/21/2021
Open-Borrower 1 Paystubs Missing. AUS requires a paystub date no earlier than 30 days prior to the initial loan application. - Due Diligence Vendor-05/20/2021
Ready for Review-See attached 3rd party WVOE showing previous years income. Per AUS income may be verified by paystub, W2 or standard WVOE - Seller-05/21/2021
 
 
 Resolved-WVOE provided. - Due Diligence Vendor-05/22/2021
 Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-05/22/2021
 
  
XXX_WVOE.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$176,250.00
NJ
Investment
Purchase
NA
494426113
    
C
A
C
A
A
A
A
A
Closed
FCRE1440
2021-06-01 19:55
2021-06-02 17:15
Resolved
3 - Material
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-CD provided showing prior were both XXX before refinancing. - Due Diligence Vendor-06/02/2021
Ready for Review-6/1: Loan application disclosed two other properties that were refinanced with XXX prior to the subject transaction. Closing Disclosures for the two refinanced properties were in the file and confirm PITIA payment of $2,425.57 for the property at XXX. and a PITIA payment of $2,534.06 for the property at XXX. - Seller-06/01/2021
Open-Housing History Does Not Meet Guideline Requirements.  Missing documentation of which properties were concurrently refinanced with Ark mortgage and new payments including taxes and insurance. - Due Diligence Vendor-05/30/2021
Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-05/29/2021
Open-Housing History Does Not Meet Guideline Requirements. Missing documentation of which properties were concurrently refinanced with XXX and new payments including taxes and insurance. - Due Diligence Vendor-05/29/2021
Ready for Review-6/1: Loan application disclosed two other properties that were refinanced with XXX prior to the subject transaction. Closing Disclosures for the two refinanced properties were in the file and confirm PITIA payment of $2,425.57 for the property at XXX. and a PITIA payment of $2,534.06 for the property at XXX. - Seller-06/01/2021
 
Resolved-CD provided showing prior were both XXX before refinancing. - Due Diligence Vendor-06/02/2021
 
 
  
XXX_REO_CD_PITIA.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$382,500.00
NJ
Investment
Refinance
NA
494425996
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-20 18:47
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) - Due Diligence Vendor-05/20/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$166,000.00
MA
Investment
Refinance
Rate and Term
494425204
    
D
A
A
A
D
A
C
A
Closed
FCOM1233
2021-06-04 13:02
2021-06-05 03:15
Resolved
1 - Information
D
A
Compliance
Missing Doc - Closing Package
The Final 1003 is Incomplete
Resolved-All sections/pages of the final 1003 have been provided. - Due Diligence Vendor-06/05/2021
 
Ready for Review-1003 application is attached. - Seller-06/04/2021
 
Open-The Final 1003 is Incomplete, missing section 9. - Due Diligence Vendor-05/24/2021
 
Open-The Final 1003 is Incomplete - Due Diligence Vendor-05/20/2021
Ready for Review-1003 application is attached. - Seller-06/04/2021
 
 
Resolved-All sections/pages of the final 1003 have been provided. - Due Diligence Vendor-06/05/2021
 
 
  
XXX_1003_App.pdf
XXX_1003.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$79,500.00
PA
Investment
Refinance
Rate and Term
494425204
    
D
A
A
A
D
A
C
A
Closed
FPRO9939
2021-05-21 12:15
2021-06-04 18:08
Resolved
3 - Material
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/04/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 4.7) - Due Diligence Vendor-05/21/2021
  
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/04/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$79,500.00
PA
Investment
Refinance
Rate and Term
494424997
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-29 06:36
2021-06-01 15:07
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/29/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$253,000.00
UT
Investment
Refinance
Cash Out - Debt Consolidation
494424779
    
D
B
A
A
B
B
D
A
Closed
FCOM8844
2021-05-19 21:55
2021-05-30 04:26
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/20/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing conducted with LE’s and CD’s in file. - Due Diligence Vendor-05/19/2021
Open- - Due Diligence Vendor-05/19/2021
  
 
 Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$710,000.00
NY
Investment
Refinance
Cash Out - Other
494424779
    
D
B
A
A
B
B
D
A
Closed
FPRO1244
2021-05-19 22:14
2021-05-30 04:26
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-CU score was not provided on DU approved loan. - Due Diligence Vendor-05/19/2021
  
 
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$710,000.00
NY
Investment
Refinance
Cash Out - Other
494424750
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$161,475.00
VA
Investment
Purchase
NA
494424499
    
D
A
D
A
A
A
A
A
Closed
FCRE1180
2021-05-29 18:55
2021-06-02 14:35
Resolved
3 - Material
D
A
Credit
Missing Doc - Insurance
HO-6 Insurance Policy is Missing
Resolved-Master policy provided showing "walls in" coverage. - Due Diligence Vendor-06/02/2021
Ready for Review-5/29/21 Disagree - the HO-6 provided , please review  - Seller-05/29/2021
Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-05/28/2021
Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-05/28/2021
Open-HO-6 Insurance Policy is Missing - Due Diligence Vendor-05/28/2021
 Ready for Review-5/29/21 Disagree - the HO-6 provided , please review  - Seller-05/29/2021
 
Resolved-Master policy provided showing "walls in" coverage. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX -INSURANCE.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$404,999.00
CA
Investment
Purchase
NA
494424447
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$60,000.00
TN
Investment
Purchase
NA
494424415
    
B
B
A
A
A
A
B
B
Closed
FPRO1498
2021-05-15 19:33
2021-05-30 05:48
Acknowledged
2 - Non-Material
B
B
Property
Appraisal
Subject loan closed with an approved appraisal waiver
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/18/2021
Open-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/15/2021
  
Acknowledged-Subject loan closed with an approved appraisal waiver - Due Diligence Vendor-05/20/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$161,000.00
CA
Investment
Refinance
Rate and Term
494424301
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-22 12:30
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or -XXX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/22/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or -XXX% variance. Finding resolved. - Due Diligence Vendor-05/25/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$520,300.00
CO
Investment
Purchase
NA
494423884
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-28 14:24
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 Acknowledged-Full regulatory testing was completed with no issues and loan would have been valid as GSE SH. - Due Diligence Vendor-05/28/2021
Open-File is missing the cash out letter from the borrower.  Borrower is paying off a mortgage for a second home. - Due Diligence Vendor-05/28/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 
 
 Acknowledged-Full regulatory testing was completed with no issues and loan would have been valid as GSE SH. - Due Diligence Vendor-05/28/2021
 
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$138,000.00
MN
Investment
Refinance
Cash Out - Other
494423572
    
D
B
A
A
B
B
D
A
Closed
FCOM7646
2021-05-28 20:45
2021-06-08 19:50
Acknowledged
2 - Non-Material
B
B
Compliance
QM-ATR
Originator QM Designation Differs From Final QM Status
Acknowledged-Originator QM Status Of ATR/QM: Not Applicable Differs From Final QM Status Of QM: GSE Temporary QM - SH. Evidence in the loan file results in Consumer Purp, full compliance review was conducted, and QM: GSE Temporary QM – SH was validated as true. - Due Diligence Vendor-05/30/2021
 
Open-Full regulatory testing was completed and no issues were found and loan would have been eligible as GSE SH. - Due Diligence Vendor-05/29/2021
 
Open-Final CD reflects payoff of Non-Mortgage Lien to Ex-Spouse as required per enclosed Divorce Decree. - Due Diligence Vendor-05/28/2021
 
Open-Originator QM Designation Of ATR/QM: Not Applicable Differs From Final QM Status Of ATR/QM: Status Pending - Due Diligence Vendor-05/28/2021
  
Acknowledged-Originator QM Status Of ATR/QM: Not Applicable Differs From Final QM Status Of QM: GSE Temporary QM - SH. Evidence in the loan file results in Consumer Purp, full compliance review was conducted, and QM: GSE Temporary QM – SH was validated as true. - Due Diligence Vendor-05/30/2021
 
 
    
"QM: GSE Temporary QM - SH"
"QM: GSE Temporary QM - SH"
$275,000.00
NY
Investment
Refinance
Cash Out - Other
494423572
    
D
B
A
A
B
B
D
A
Closed
FPRO1244
2021-05-28 20:40
2021-05-31 14:41
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/30/2021
 Open-CU score was not provided on DU approved loan. - Due Diligence Vendor-05/28/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/31/2021
 
 
    
"QM: GSE Temporary QM - SH"
"QM: GSE Temporary QM - SH"
$275,000.00
NY
Investment
Refinance
Cash Out - Other
494423564
    
D
B
A
A
D
B
D
A
Closed
FPRO1244
2021-05-27 12:48
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX0 or XXX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/27/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$150,000.00
TX
Investment
Refinance
Cash Out - Other
494423564
    
D
B
A
A
D
B
D
A
Closed
FCOM8844
2021-05-21 19:06
2021-05-30 04:47
Acknowledged
2 - Non-Material
D
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 Acknowledged-Full compliance testing was completed with no issues.  Loan would be valid as GSE SH. - Due Diligence Vendor-05/29/2021
Open-CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).  - Due Diligence Vendor-05/21/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – RP can be validated as true. - Due Diligence Vendor-05/30/2021
 
 Acknowledged-Full compliance testing was completed with no issues.  Loan would be valid as GSE SH. - Due Diligence Vendor-05/29/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$150,000.00
TX
Investment
Refinance
Cash Out - Other
494423535
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-26 23:46
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/28/2021
Open-CD shows that, after payoff of subject lien, all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes). Full compliance testing completed with LE’s and CD’s in file.
 - Due Diligence Vendor-05/26/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/28/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$167,000.00
NV
Investment
Refinance
Cash Out - Other
494423515
    
D
A
A
A
A
A
D
A
Closed
FPRO1244
2021-05-22 12:54
2021-05-30 05:35
Resolved
1 - Information
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-Third party valuation product required. - Due Diligence Vendor-05/22/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of XXX or XXx% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$585,500.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494423482
    
C
A
A
A
A
A
C
A
Closed
FPRO9939
2021-05-21 17:44
2021-05-30 05:45
Resolved
1 - Information
C
A
Property
Third Party Valuation
CU Score is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-CU Score Is Greater Than 2.5 And A Third Party Valuation Product Was Not Provided (CU Score Is 2.6) - Due Diligence Vendor-05/21/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX orXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$325,000.00
CA
Investment
Refinance
Rate and Term
494423151
    
C
A
C
A
A
A
C
A
Closed
FCRE1186
2021-05-20 19:18
2021-05-30 05:58
Resolved
3 - Material
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-Consumer debt payoff for XXX provided. Monthly debt obligation of $150 removed from DTI. New DTI is 28.29% and within tolerance of AUS DTI 28% - Due Diligence Vendor-05/21/2021
Resolved-Audited DTI of 28.29% exceeds AUS DTI of 28%  - Due Diligence Vendor-05/21/2021
Ready for Review-Please see attached statement for MOR debt, loan was paid in full by borrower prior to close.  If this is not the debt you were referring to, please respond with source of increase of DTI  Thank you. - Seller-05/20/2021
Open-Audited DTI of 31.60% exceeds AUS DTI of 28% . Additional debt in the amount of $150/month was included based on origination credit report provided. - Due Diligence Vendor-05/20/2021
Open-Audited DTI of 31.61% exceeds AUS DTI of 28%  - Due Diligence Vendor-05/19/2021
Ready for Review-Please see attached statement for XXX debt, loan was paid in full by borrower prior to close.  If this is not the debt you were referring to, please respond with source of increase of DTI  Thank you. - Seller-05/20/2021
 
Resolved-Consumer debt payoff for XXX provided. Monthly debt obligation of $150 removed from DTI. New DTI is 28.29% and within tolerance of AUS DTI 28% - Due Diligence Vendor-05/21/2021
 Resolved-Audited DTI of 28.29% exceeds AUS DTI of 28%  - Due Diligence Vendor-05/21/2021
 
  
XXX.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$285,000.00
CA
Investment
Refinance
Cash Out - Other
494423151
    
C
A
C
A
A
A
C
A
Closed
FPRO5405
2021-05-19 23:05
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/19/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/24/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$285,000.00
CA
Investment
Refinance
Cash Out - Other
494423149
    
D
A
D
A
A
A
A
A
Closed
FCRE1334
2021-06-02 20:25
2021-06-02 20:47
Resolved
3 - Material
D
A
Credit
Missing Doc - Income
Borrower 1 Executed 4506-T Missing
Resolved-Executed 4506 provided. - Due Diligence Vendor-06/02/2021
Ready for Review-See attached 4506-C for each borrower. - Seller-06/02/2021
Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-05/26/2021
Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-05/26/2021
Open-Borrower 1 Executed 4506-T Missing - Due Diligence Vendor-05/26/2021
Ready for Review-See attached 4506-C for each borrower. - Seller-06/02/2021
 
 
Resolved-Executed 4506 provided. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_4506C.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$387,000.00
CA
Investment
Refinance
Rate and Term
494423149
    
D
A
D
A
A
A
A
A
Closed
FCRE1364
2021-06-02 20:26
2021-06-02 20:47
Resolved
3 - Material
D
A
Credit
Missing Doc - Income
Borrower 2 Executed 4506-T Missing
Resolved-Executed 4506 provided. - Due Diligence Vendor-06/02/2021
Ready for Review-See attached 4506-C for each borrower. - Seller-06/02/2021
Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-05/26/2021
Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-05/26/2021
Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-05/26/2021
Ready for Review-See attached 4506-C for each borrower. - Seller-06/02/2021
 
 
Resolved-Executed 4506 provided. - Due Diligence Vendor-06/02/2021
 
 
 
 
  
XXX_4506C.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$387,000.00
CA
Investment
Refinance
Rate and Term
494422433
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-06-01 18:28
2021-06-01 19:51
Resolved
3 - Material
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-06/01/2021
  
Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$125,625.00
OH
Investment
Purchase
NA
494422138
    
C
A
A
A
A
A
C
A
Closed
FPRO5405
2021-05-24 16:40
2021-05-30 05:30
Resolved
1 - Information
C
A
Property
Third Party Valuation
FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 Resolved-Desk review provided with a value of $XXX or XxX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
Open-FHLMC Collateral Rep & Warrant Relief Is Not Eligible/Unavailable And A Third Party Valuation Product Was Not Provided (FHLMC Rep & Warrant Relief Status Is Not Eligible) - Due Diligence Vendor-05/24/2021
  
Resolved-Third party valuation product provided with a variance within 10%. - Due Diligence Vendor-05/30/2021
 
 Resolved-Desk review provided with a value of $XXX or XXX% variance. Finding resolved. - Due Diligence Vendor-05/27/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$285,000.00
FL
Investment
Purchase
NA
494421247
    
D
A
C
A
A
A
D
A
Closed
FCRE1440
2021-06-02 21:07
2021-06-04 17:32
Resolved
1 - Information
C
A
Credit
Eligibility
Housing History Does Not Meet Guideline Requirements
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/04/2021
Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-06/03/2021
Ready for Review-Property tax is reported on 2019 individual tax return ( form 1040) in the amount of $2,171. Tax certificate is not required. Please see attachment - Seller-06/02/2021
Open-Housing History Does Not Meet Guideline Requirements.  Missing tax cert for 323 Tal Vista. - Due Diligence Vendor-05/30/2021
Ready for Review-Property tax is reported on 2019 individual tax return ( form 1040) in the amount of $2,171. Tax certificate is not required. Please see attachment - Seller-06/02/2021
 
 
Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-06/04/2021
 
 
  
XXX - Schedule E.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$1,054,500.00
CA
Investment
Refinance
Cash Out - Other
494421247
    
D
A
C
A
A
A
D
A
Closed
FCRE1186
2021-06-02 20:53
2021-06-04 17:32
Resolved
1 - Information
C
A
Credit
Eligibility
Audited DTI Exceeds AUS DTI
Resolved-Audited DTI of 23.25% is less than or equal to AUS DTI of 27.29% - Due Diligence Vendor-06/04/2021
Ready for Review-Self Employment Income: The borrower self employment income was understated, Please see attached Income worksheet showing a self-employment income in the amount of $11,277 instead of calculated SE income in the amount of $6,362
Co-borrower income : the co borrower income has not changed $3,021
Net Cash flow from subject = 379
Net cash flow from rental properties = 1455
Total Income = 16132.55
 
Liabilities:
Primary residence located at XXXX P+I: $1319 + T&I = $833. Total Primary residence obligation = $2
,202
Negative cash flow from property located at XXX = $1,742
Other liabilities = $192
Total Liabilities = $4,136
 
DTI = $4,136/$16,132 = 25%
Please see attachment self-employment worksheet. Primary residence property tax, and HOI
Calculated DTI is less than reviewer DTI. - Seller-06/02/2021
Open-Audited DTI of 49.15% exceeds AUS DTI of 27.29%.  Difference in DTI is coming from multiple areas.  The primary residence was  qualified at $1319 but this doesnt include taxes or insurance (mortgage statement doesnt escrow for either).  Subject was qualified with $6411 in net rent.  Based on tax returns, this should be $379.22.   - Due Diligence Vendor-05/30/2021
Open-Audited DTI of 49.15% exceeds AUS DTI of 27.29%.  Difference in DTI is coming from multiple areas.  The primary residence was  qualified at $1319 but this doesnt include taxes or insurance (mortgage statement doesnt escrow for either).  Subje - Due Diligence Vendor-05/30/2021
Open-Audited DTI of 40.18% exceeds AUS DTI of 27.29% Cause for difference is rental income loss for properties. DU shows positive while review finds negative net rents and DU must be rerun with a corrected 1008 to match. Even with lease agreement utilized with rent increase, subject does not have positive income. - Due Diligence Vendor-05/30/2021
Ready for Review-Self Employment Income: The borrower self employment income was understated, Please see attached Income worksheet showing a self-employment income in the amount of $11,277 instead of calculated SE income in the amount of $6,362
Co-borrower income : the co borrower income has not changed $3,021
Net Cash flow from subject = 379
Net cash flow from rental properties = 1455
Total Income = 16132.55
 
Liabilities:
Primary residence located at XXXr P+I: $1319 + T&I = $833. Total Primary residence obligation = $2
,202
Negative cash flow from property located at XXX = $1,742
Other liabilities = $192
Total Liabilities = $4,136
 
DTI = $4,136/$16,132 = 25%
Please see attachment self-employment worksheet. Primary residence property tax, and HOI
Calculated DTI is less than reviewer DTI. - Seller-06/02/2021
 
Resolved-Audited DTI of 23.25% is less than or equal to AUS DTI of 27.29% - Due Diligence Vendor-06/04/2021
 
 
  
XXX - XXX HOI.pdf
XXX - XXX Property Tax.pdf
XXX - Self-Employment-Income.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$1,054,500.00
CA
Investment
Refinance
Cash Out - Other
494421247
    
D
A
C
A
A
A
D
A
Closed
FPRO1244
2021-06-01 12:30
2021-06-01 15:18
Resolved
3 - Material
D
A
Property
Missing Doc - Third Party Valuation
3rd Party Valuation Product is Required and Missing
Resolved-Desk review provided with a value of $XXX or -XXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
Open-Third party valuation product required. - Due Diligence Vendor-06/01/2021
  
Resolved-Desk review provided with a value of $XXX or -XXX% variance. Finding resolved. - Due Diligence Vendor-06/01/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$1,054,500.00
CA
Investment
Refinance
Cash Out - Other
494419356
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$270,000.00
MD
Investment
Refinance
Rate and Term
494419296
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$286,000.00
CA
Investment
Refinance
Rate and Term
494419152
    
C
A
C
A
A
A
A
A
Closed
FCRE1236
2021-05-26 19:39
2021-06-01 21:08
Resolved
3 - Material
C
A
Credit
Eligibility
Occupancy Not Allowed
Resolved-Occupancy docs provided. - Due Diligence Vendor-06/01/2021
Ready for Review-Please see attached corrected appraisal.  It appears it was marked owner occupied in error.  Please also see attached bank statement and IDs, borrowers live at XXX.   - Seller-05/26/2021
Open-Occupancy reflected as owner occupied on appraisal, however loan approved as an investment property. - Due Diligence Vendor-05/23/2021
 Ready for Review-Please see attached corrected appraisal.  It appears it was marked owner occupied in error.  Please also see attached bank statement and IDs, borrowers live at XXX.   - Seller-05/26/2021
 
Resolved-Occupancy docs provided. - Due Diligence Vendor-06/01/2021
 
 
 
 
  
XXX C ID.pdf
XXX bank statement.pdf
XXX-V4.pdf
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$335,600.00
CA
Investment
Refinance
Limited Cash Out - >2% of Loan Amount or $2000
494419008
    
A
A
A
A
A
A
A
A
            
A
A
                
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$176,250.00
HI
Investment
Purchase
NA
494418664
    
B
B
A
A
B
B
A
A
Closed
FCOM8844
2021-05-21 12:25
2021-05-30 04:47
Acknowledged
2 - Non-Material
B
B
Compliance
Missing Doc
Missing Evidence of Business Purpose use of Proceeds
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/21/2021
Open-CD shows that all cash out is going directly to borrower but it was not disclosed how the cash in hand was to be utilized (consumer or business purposes).  - Due Diligence Vendor-05/21/2021
  
Acknowledged-Transaction was re-run in compliance engine and, while not validated as a business purpose loan, QM: GSE Temporary QM – SH can be validated as true. - Due Diligence Vendor-05/21/2021
 
    
"ATR/QM: Not Applicable"
"ATR/QM: Not Applicable"
$337,500.00
CO
Investment
Refinance
Cash Out - Other
EX-99.5 6 exhibit99-5.htm CANOPY RATING AGENCY GRADES SUMMARY REPORT

LOAN INFORMATION
  
INITIAL CREDIT LOAN GRADES
    
INITIAL COMPLIANCE LOAN GRADES
   
INITIAL PROPERTY LOAN GRADES
   
INITIAL OVERALL LOAN GRADES
   
FINAL CREDIT LOAN GRADES
    
FINAL COMPLIANCE LOAN GRADES
   
FINAL PROPERTY LOAN GRADES
   
FINAL OVERALL LOAN GRADES
   
Loan ID
Investor ID
Seller Loan ID
Original Loan Amount
DBRS/Morningstar
Fitch
Kroll
S&P
Moodys
DBRS/Morningstar
Fitch
Kroll
S&P
Moodys
DBRS/Morningstar
Fitch
Kroll
S&P
Moodys
DBRS/Morningstar
Fitch
Kroll
S&P
Moodys
DBRS/Morningstar
Fitch
Kroll
S&P
Moodys
DBRS/Morningstar
Fitch
Kroll
S&P
Moodys
DBRS/Morningstar
Fitch
Kroll
S&P
Moodys
DBRS/Morningstar
Fitch
Kroll
S&P
Moodys
494419356
    
$270,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494534946
    
$250,000.00
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494441189
    
$420,000.00
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494435484
    
$67,900.00
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494444334
    
$258,750.00
C
C
C
C
C
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
494424779
    
$710,000.00
A
A
A
A
A
B
B
B
B
B
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494424750
    
$161,475.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494442720
    
$225,000.00
A
A
A
A
A
D
D
D
D
D
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494446855
    
$302,200.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494480633
    
$580,000.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494435906
    
$170,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494506712
    
$300,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494481326
    
$443,800.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494445784
    
$165,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430607
    
$130,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494452961
    
$480,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494454221
    
$326,250.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494508881
    
$112,500.00
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494435878
    
$108,750.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494430964
    
$435,000.00
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494440711
    
$300,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494418664
    
$337,500.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494431676
    
$244,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494436185
    
$268,800.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494444548
    
$100,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494428974
    
$292,500.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494495637
    
$384,800.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494460051
    
$297,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494458730
    
$378,000.00
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
494440427
    
$91,425.00
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494453173
    
$525,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494426169
    
$176,250.00
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494452146
    
$250,000.00
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494450543
    
$273,750.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494431956
    
$110,400.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494450363
    
$201,750.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494442641
    
$300,000.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494513156
    
$400,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494424415
    
$161,000.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494479796
    
$229,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494437913
    
$258,750.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494450066
    
$91,500.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494461652
    
$192,750.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430187
    
$136,500.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494502874
    
$225,000.00
C
C
C
C
C
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494443034
    
$217,500.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494440175
    
$225,000.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494452832
    
$723,750.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494451331
    
$174,375.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494450473
    
$509,500.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494423151
    
$285,000.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494446894
    
$652,500.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494474233
    
$257,250.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494425996
    
$166,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494478607
    
$317,000.00
A
A
A
A
A
D
D
D
D
D
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494441126
    
$104,750.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494458490
    
$104,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494439947
    
$356,250.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494450018
    
$249,750.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494439053
    
$168,700.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494441781
    
$302,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494424301
    
$520,300.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494442829
    
$180,000.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494467219
    
$385,000.00
C
C
C
C
C
B
B
B
B
B
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494423515
    
$585,500.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494423572
    
$275,000.00
A
A
A
A
A
B
B
B
B
B
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494446344
    
$102,400.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494461330
    
$128,000.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494487705
    
$540,000.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494443941
    
$323,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494428548
    
$234,250.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494446605
    
$82,500.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494561873
    
$206,250.00
A
A
A
A
A
B
B
B
B
B
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494440425
    
$170,000.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494440760
    
$284,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494442731
    
$480,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494423482
    
$325,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430849
    
$270,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494456477
    
$135,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494465409
    
$188,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494437272
    
$600,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494450607
    
$178,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494480086
    
$206,000.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494426113
    
$382,500.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494441996
    
$455,000.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
494437105
    
$52,800.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494451631
    
$231,300.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494445897
    
$262,500.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494442565
    
$265,125.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494419152
    
$335,600.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494441009
    
$80,000.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494507802
    
$412,500.00
A
A
A
A
A
D
D
D
D
D
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494444695
    
$619,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494470816
    
$392,000.00
D
D
D
D
D
A
A
A
A
A
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494451653
    
$435,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494459665
    
$297,000.00
C
C
C
C
C
C
C
C
C
C
B
B
B
B
B
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494482877
    
$202,500.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494445430
    
$268,800.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
494454310
    
$319,920.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494451293
    
$412,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494435536
    
$360,500.00
A
A
A
A
A
B
B
B
B
B
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494439854
    
$210,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494452051
    
$217,500.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494440428
    
$95,200.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494425204
    
$79,500.00
A
A
A
A
A
D
D
D
D
D
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494436883
    
$405,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494467173
    
$330,000.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494438653
    
$248,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494441094
    
$315,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494451244
    
$185,650.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494435996
    
$300,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494423564
    
$150,000.00
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494511953
    
$165,000.00
D
D
D
D
D
A
A
A
A
A
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494440948
    
$244,388.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494465142
    
$460,000.00
D
D
D
D
D
B
B
B
B
B
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494454222
    
$232,500.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494448844
    
$281,000.00
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494490506
    
$218,000.00
D
D
D
D
D
B
B
B
B
B
B
B
B
B
B
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
B
B
B
B
B
494438994
    
$143,300.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494422138
    
$285,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430139
    
$94,000.00
D
D
D
D
D
A
A
A
A
A
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494489440
    
$413,700.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494448527
    
$431,250.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494437349
    
$175,920.00
C
C
C
C
C
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494500479
    
$533,000.00
A
A
A
A
A
C
C
C
C
C
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494436067
    
$278,000.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494435931
    
$500,000.00
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494452429
    
$195,000.00
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494447392
    
$225,000.00
D
D
D
D
D
A
A
A
A
A
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494438725
    
$169,109.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494468740
    
$548,250.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494434729
    
$404,250.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494433853
    
$450,000.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494449933
    
$429,000.00
C
C
C
C
C
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494431795
    
$437,450.00
C
C
C
C
C
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494444776
    
$289,500.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494444608
    
$122,000.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494440423
    
$172,500.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494477262
    
$280,059.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494438162
    
$524,233.00
D
D
D
D
D
B
B
B
B
B
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494435384
    
$254,540.00
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494434897
    
$65,600.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494437023
    
$139,128.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430391
    
$148,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494469827
    
$215,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494423149
    
$387,000.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494482802
    
$227,500.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494440450
    
$247,100.00
D
D
D
D
D
D
D
D
D
D
B
B
B
B
B
D
D
D
D
D
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494443344
    
$262,500.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494446853
    
$310,000.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494500485
    
$129,750.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494443622
    
$348,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430459
    
$93,937.00
D
D
D
D
D
A
A
A
A
A
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494441706
    
$258,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494444698
    
$248,500.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494443931
    
$548,250.00
C
C
C
C
C
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494460370
    
$112,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494439785
    
$192,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494439580
    
$80,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494444842
    
$212,210.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494467801
    
$600,000.00
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494438174
    
$78,000.00
A
A
A
A
A
D
D
D
D
D
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494444487
    
$212,500.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494483627
    
$122,250.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494481282
    
$300,000.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494435614
    
$164,515.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494461937
    
$108,000.00
D
D
D
D
D
A
A
A
A
A
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494448166
    
$651,000.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494443900
    
$114,750.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494439590
    
$500,000.00
A
A
A
A
A
B
B
B
B
B
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494439989
    
$92,500.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494442828
    
$190,460.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494435752
    
$189,000.00
A
A
A
A
A
C
C
C
C
C
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494489646
    
$244,500.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494468280
    
$300,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430462
    
$145,000.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494439495
    
$165,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494529804
    
$165,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494438641
    
$183,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494463675
    
$236,250.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430805
    
$371,250.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494451616
    
$320,000.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494453992
    
$126,500.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494432963
    
$105,800.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494423884
    
$138,000.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494450291
    
$138,960.00
D
D
D
D
D
C
C
C
C
C
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494428151
    
$103,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494433711
    
$330,000.00
C
C
C
C
C
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
494443357
    
$304,125.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494427036
    
$502,900.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494435997
    
$252,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494440820
    
$375,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494437339
    
$145,400.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494443845
    
$690,000.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430121
    
$90,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494451136
    
$249,750.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494462949
    
$96,600.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494429290
    
$400,000.00
A
A
A
A
A
B
B
B
B
B
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494449118
    
$142,500.00
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494430922
    
$75,400.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494429049
    
$93,500.00
D
D
D
D
D
A
A
A
A
A
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494424499
    
$404,999.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494458986
    
$292,200.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494443778
    
$61,600.00
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494500306
    
$53,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494434965
    
$75,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494485785
    
$315,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494448305
    
$233,250.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494439897
    
$279,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430136
    
$120,600.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494453199
    
$348,750.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494439054
    
$120,700.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494423535
    
$167,000.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494459699
    
$88,000.00
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494436279
    
$81,400.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494440922
    
$169,400.00
A
A
A
A
A
B
B
B
B
B
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494430392
    
$141,000.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494499022
    
$165,742.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494428446
    
$154,500.00
C
C
C
C
C
B
B
B
B
B
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494443908
    
$336,800.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494432887
    
$120,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494478272
    
$470,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494429923
    
$440,000.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494431403
    
$215,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494424447
    
$60,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494443601
    
$464,090.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494444793
    
$468,200.00
C
C
C
C
C
B
B
B
B
B
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494432010
    
$184,200.00
C
C
C
C
C
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494513313
    
$165,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494461333
    
$183,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494535029
    
$150,900.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494523164
    
$85,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494441769
    
$352,500.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494431863
    
$236,250.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494464718
    
$129,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494431447
    
$100,000.00
D
D
D
D
D
B
B
B
B
B
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494442554
    
$174,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494433510
    
$61,600.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494438915
    
$292,000.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494435845
    
$246,300.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494436305
    
$446,250.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494438662
    
$403,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494454951
    
$300,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494438315
    
$323,250.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494468566
    
$216,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494458034
    
$61,625.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494441785
    
$416,000.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430753
    
$176,250.00
D
D
D
D
D
A
A
A
A
A
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494453742
    
$213,900.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494444141
    
$227,250.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494438595
    
$100,000.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494473614
    
$94,350.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494441127
    
$99,750.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494428356
    
$255,750.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494463695
    
$259,000.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494469421
    
$157,500.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494451282
    
$489,000.00
A
A
A
A
A
B
B
B
B
B
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494460428
    
$90,000.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494440738
    
$820,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494446462
    
$403,125.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494440745
    
$76,000.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
494434340
    
$172,000.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494439591
    
$330,500.00
A
A
A
A
A
B
B
B
B
B
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494484747
    
$277,000.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494429320
    
$104,000.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
494435995
    
$165,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430182
    
$225,877.00
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494424997
    
$253,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494434694
    
$162,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494450135
    
$233,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494441730
    
$236,250.00
A
A
A
A
A
B
B
B
B
B
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494435616
    
$159,986.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494439683
    
$528,750.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494450175
    
$281,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430539
    
$124,950.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494437133
    
$356,553.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494461617
    
$260,000.00
A
A
A
A
A
B
B
B
B
B
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494431457
    
$222,640.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494419008
    
$176,250.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494516161
    
$261,000.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494503355
    
$266,000.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494445609
    
$187,500.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494469422
    
$198,200.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494434659
    
$507,779.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494421247
    
$1,054,500.00
C
C
C
C
C
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494431733
    
$62,400.00
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494438798
    
$648,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494477617
    
$393,000.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494447916
    
$442,000.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494440781
    
$305,150.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494450745
    
$161,990.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494513177
    
$157,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494451899
    
$126,750.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494440973
    
$235,000.00
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494482241
    
$175,000.00
A
A
A
A
A
D
D
D
D
D
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494453899
    
$201,200.00
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494445629
    
$395,272.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494439398
    
$375,000.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494430120
    
$132,000.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494474641
    
$312,100.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494435751
    
$121,500.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494441107
    
$64,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494440452
    
$162,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494450505
    
$333,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494439647
    
$139,900.00
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494427305
    
$202,313.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494498831
    
$472,750.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494431674
    
$548,250.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494444459
    
$198,000.00
D
D
D
D
D
A
A
A
A
A
B
B
B
B
B
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494459830
    
$294,000.00
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494438753
    
$316,000.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494477862
    
$86,250.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494445626
    
$246,218.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494444645
    
$373,000.00
C
C
C
C
C
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494520840
    
$336,000.00
C
C
C
C
C
D
D
D
D
D
C
C
C
C
C
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494443512
    
$338,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494481354
    
$162,000.00
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
A
A
A
A
A
A
A
A
A
A
B
B
B
B
B
B
B
B
B
B
494427918
    
$106,400.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494473945
    
$244,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494469228
    
$293,500.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494419296
    
$286,000.00
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494438877
    
$525,000.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494422433
    
$125,625.00
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494468205
    
$310,000.00
A
A
A
A
A
A
A
A
A
A
D
D
D
D
D
D
D
D
D
D
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494492391
    
$548,000.00
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
A
494436990
    
$156,000.00
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
494442968
    
$350,000.00
C
C
C
C
C
B
B
B
B
B
A
A
A
A
A
C
C
C
C
C
A
A
A
A
A
B
B
B
B
B
A
A
A
A
A
B
B
B
B
B
EX-99.6 7 exhibit99-6.htm CANOPY VALUATIONS REPORT

Loan ID
Seller Loan ID
Note Date
 Original Loan Amount
Sales Price
Primary Appraised Value
Value for LTV
Primary Appraisal Date
Second Appraisal Value
Second Appraisal Variance Amount
Second Appraisal Variance Percent
Second Appraisal Date
Second Appraisal Type
AVM Appraised Value
AVM Variance Amount
AVM Variance Percent
AVM Confidence Score
AVM Appraisal Date
Desk Review Appraised Value
Desk Review Variance Amount
Desk Review Variance Percent
Desk Review Company
Desk Review Appraisal Date
Desk Top Appraised Value
Desk Top Variance Amount
Desk Top Variance Percent
Desk Top Company
Desk Top Appraisal Date
BPO Appraised Value
BPO Variance Amount
BPO Variance Percent
BPO Company
BPO Appraisal Date
Field Review Appraised Value
Field Review Variance Amount
Field Review Variance Percent
Field Review Company
Field Review Appraisal Date
2055 Appraised Value
2055 Variance Amount
2055 Variance Percent
2055 Company
2055 Appraisal Date
AVE/CMA Appraised Value
AVE/CMA Variance Amount
AVE/CMA Variance Percent
AVE/CMA Company
AVE/CMA Appraisal Date
Updated Appraised Value
Updated Variance Amount
Updated Variance Percent
Updated Company
Updated Appraisal Date
Updated Appraisal Type
Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?
Collateral Underwriter Risk Score
494419356
  
4/XX/2021
 $                                          270,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494534946
  
3/XX/2021
 $                                          250,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494441189
  
3/XX/2021
 $                                          420,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494435484
  
3/XX/2021
 $                                            67,900.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494444334
  
3/XX/2021
 $                                          258,750.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494424779
  
4/XX/2021
 $                                           710,000.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494424750
  
4/XX/2021
 $                                            161,475.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.4
494442720
  
3/XX/2021
 $                                          225,000.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494446855
  
3/XX/2021
 $                                          302,200.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494480633
  
3/XX/2021
 $                                          580,000.00
XXXX
XXXX
XXXX
2/XX/2021
                                                                                              
2.5
494435906
  
3/XX/2021
 $                                           170,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494506712
  
4/XX/2021
 $                                          300,000.00
XXXX
XXXX
XXXX
2/XX/2021
                                                                                              
2
494481326
  
3/XX/2021
 $                                          443,800.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
2.3
494445784
  
3/XX/2021
 $                                           165,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
1.2
494430607
  
4/XX/2021
 $                                           130,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.2
494452961
  
4/XX/2021
 $                                          480,000.00
XXXX
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3.2
494454221
  
3/XX/2021
 $                                          326,250.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                              
Not Eligible
  
494508881
  
5/XX/2021
 $                                            112,500.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
2.2
494435878
  
4/XX/2021
 $                                           108,750.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1
494430964
  
4/XX/2021
 $                                          435,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                                
No Score Noted
494440711
  
3/XX/2021
 $                                          300,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2.4
494418664
  
4/XX/2021
 $                                          337,500.00
  
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494431676
  
4/XX/2021
 $                                          244,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
1.9
494436185
  
4/XX/2021
 $                                          268,800.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494444548
  
3/XX/2021
 $                                           100,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                              
Not Eligible
  
494428974
  
4/XX/2021
 $                                          292,500.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494495637
  
3/XX/2021
 $                                          384,800.00
XXXX
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
4
494460051
  
4/XX/2021
 $                                          297,000.00
XXXX
XXXX
XXXX
4/XX/2021
                                                                                              
1.3
494458730
  
4/XX/2021
 $                                          378,000.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494440427
  
3/XX/2021
 $                                             91,425.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494453173
  
3/XX/2021
 $                                          525,000.00
XXXX
XXXX
XXXX
2/XX/2021
                                                                                              
2
494426169
  
4/XX/2021
 $                                           176,250.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                                
No Score Noted
494452146
  
4/XX/2021
 $                                          250,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494450543
  
4/XX/2021
 $                                          273,750.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.3
494431956
  
4/XX/2021
 $                                            110,400.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3
494450363
  
3/XX/2021
 $                                           201,750.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
4.2
494442641
  
4/XX/2021
 $                                          300,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
2.7
494513156
  
3/XX/2021
 $                                          400,000.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
1
494424415
  
4/XX/2021
 $                                            161,000.00
  
XXXX
XXXX
4/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494479796
  
4/XX/2021
 $                                          229,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
2.3
494437913
  
5/XX/2021
 $                                          258,750.00
XXXX
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494450066
  
4/XX/2021
 $                                             91,500.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494461652
  
4/XX/2021
 $                                           192,750.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494430187
  
4/XX/2021
 $                                           136,500.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
4.2
494502874
  
1/XX/2021
 $                                          225,000.00
  
XXXX
XXXX
11/XX/2020
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494443034
  
3/XX/2021
 $                                           217,500.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494440175
  
4/XX/2021
 $                                          225,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494452832
  
3/XX/2021
 $                                          723,750.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3
494451331
  
4/XX/2021
 $                                           174,375.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494450473
  
3/XX/2021
 $                                          509,500.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
2
494423151
  
4/XX/2021
 $                                          285,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494446894
  
3/XX/2021
 $                                          652,500.00
XXXX
XXXX
XXXX
11/XX/2020
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494474233
  
3/XX/2021
 $                                          257,250.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494425996
  
4/XX/2021
 $                                           166,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
2.6
494478607
  
4/XX/2021
 $                                           317,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494441126
  
3/XX/2021
 $                                           104,750.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494458490
  
2/XX/2021
 $                                           104,000.00
XXXX
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                                
4.6
494439947
  
4/XX/2021
 $                                          356,250.00
XXXX
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494450018
  
4/XX/2021
 $                                          249,750.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494439053
  
3/XX/2021
 $                                           168,700.00
  
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494441781
  
3/XX/2021
 $                                          302,000.00
  
XXXX
XXXX
12/XX/2020
                                                                                              
1
494424301
  
4/XX/2021
 $                                          520,300.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494442829
  
3/XX/2021
 $                                           180,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
1.2
494467219
  
4/XX/2021
 $                                          385,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494423515
  
4/XX/2021
 $                                          585,500.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494423572
  
3/XX/2021
 $                                          275,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494446344
  
4/XX/2021
 $                                           102,400.00
XXXX
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3.3
494461330
  
4/XX/2021
 $                                           128,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494487705
  
3/XX/2021
 $                                          540,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.8
494443941
  
3/XX/2021
 $                                          323,000.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
1.9
494428548
  
4/XX/2021
 $                                          234,250.00
  
XXXX
XXXX
4/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494446605
  
3/XX/2021
 $                                            82,500.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494561873
  
4/XX/2021
 $                                          206,250.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                              
Not Eligible
  
494440425
  
3/XX/2021
 $                                           170,000.00
  
XXXX
XXXX
12/XX/2020
                                                                                              
2.1
494440760
  
3/XX/2021
 $                                          284,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
1.4
494442731
  
3/XX/2021
 $                                          480,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
1.2
494423482
  
4/XX/2021
 $                                          325,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
2.6
494430849
  
4/XX/2021
 $                                          270,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
1.4
494456477
  
5/XX/2021
 $                                           135,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3
494465409
  
3/XX/2021
 $                                           188,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494437272
  
3/XX/2021
 $                                          600,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494450607
  
3/XX/2021
 $                                           178,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
1.9
494480086
  
4/XX/2021
 $                                          206,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                            
Eligible
  
494426113
  
4/XX/2021
 $                                          382,500.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.3
494441996
  
3/XX/2021
 $                                          455,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494437105
  
4/XX/2021
 $                                            52,800.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                              
Not Eligible
  
494451631
  
4/XX/2021
 $                                           231,300.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494445897
  
3/XX/2021
 $                                          262,500.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
1.2
494442565
  
3/XX/2021
 $                                           265,125.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                                
No Score Noted
494419152
  
4/XX/2021
 $                                          335,600.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.1
494441009
  
3/XX/2021
 $                                            80,000.00
  
XXXX
XXXX
10/XX/2020
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                        
XXXX
XXXX
XXX%
  
5/XX/2021
                          
494507802
  
3/XX/2021
 $                                           412,500.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494444695
  
3/XX/2021
 $                                           619,000.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494470816
  
3/XX/2021
 $                                          392,000.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494451653
  
4/XX/2021
 $                                          435,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494459665
  
3/XX/2021
 $                                          297,000.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494482877
  
4/XX/2021
 $                                          202,500.00
  
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                              
Not Eligible
  
494445430
  
3/XX/2021
 $                                          268,800.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
2.3
494454310
  
4/XX/2021
 $                                           319,920.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494451293
  
4/XX/2021
 $                                           412,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494435536
  
3/XX/2021
 $                                          360,500.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                                
No Score Noted
494439854
  
3/XX/2021
 $                                           210,000.00
  
XXXX
XXXX
12/XX/2020
                                                                                              
1.5
494452051
  
3/XX/2021
 $                                           217,500.00
  
XXXX
XXXX
2/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494440428
  
3/XX/2021
 $                                            95,200.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494425204
  
4/XX/2021
 $                                            79,500.00
  
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                                
4.7
494436883
  
3/XX/2021
 $                                          405,000.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494467173
  
3/XX/2021
 $                                          330,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2.3
494438653
  
3/XX/2021
 $                                          248,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
1
494441094
  
3/XX/2021
 $                                           315,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2
494451244
  
4/XX/2021
 $                                           185,650.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494435996
  
3/XX/2021
 $                                          300,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2
494423564
  
3/XX/2021
 $                                           150,000.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494511953
  
3/XX/2021
 $                                           165,000.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494440948
  
3/XX/2021
 $                                          244,388.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3
494465142
  
4/XX/2021
 $                                          460,000.00
  
XXXX
XXXX
4/XX/2021
                                                                                            
Eligible
  
494454222
  
3/XX/2021
 $                                          232,500.00
  
XXXX
XXXX
9/XX/2020
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                              
Not Eligible
  
494448844
  
4/XX/2021
 $                                           281,000.00
XXXX
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494490506
  
4/XX/2021
 $                                           218,000.00
  
XXXX
XXXX
4/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494438994
  
3/XX/2021
 $                                           143,300.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2
494422138
  
4/XX/2021
 $                                          285,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494430139
  
4/XX/2021
 $                                            94,000.00
XXXX
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                                
5
494489440
  
4/XX/2021
 $                                           413,700.00
  
XXXX
XXXX
7/XX/2020
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494448527
  
4/XX/2021
 $                                           431,250.00
XXXX
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494437349
  
3/XX/2021
 $                                           175,920.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494500479
  
4/XX/2021
 $                                          533,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494436067
  
4/XX/2021
 $                                          278,000.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494435931
  
3/XX/2021
 $                                          500,000.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494452429
  
4/XX/2021
 $                                           195,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
1
494447392
  
4/XX/2021
 $                                          225,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494438725
  
3/XX/2021
 $                                            169,109.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494468740
  
3/XX/2021
 $                                          548,250.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.9
494434729
  
4/XX/2021
 $                                          404,250.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3
494433853
  
4/XX/2021
 $                                          450,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1
494449933
  
4/XX/2021
 $                                          429,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494431795
  
3/XX/2021
 $                                          437,450.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494444776
  
3/XX/2021
 $                                          289,500.00
XXXX
XXXX
XXXX
2/XX/2021
                                                                                            
Eligible
  
494444608
  
3/XX/2021
 $                                           122,000.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494440423
  
3/XX/2021
 $                                           172,500.00
  
XXXX
XXXX
12/XX/2020
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494477262
  
3/XX/2021
 $                                          280,059.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494438162
  
3/XX/2021
 $                                          524,233.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494435384
  
4/XX/2021
 $                                          254,540.00
  
XXXX
XXXX
4/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494434897
  
3/XX/2021
 $                                            65,600.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494437023
  
4/XX/2021
 $                                            139,128.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.4
494430391
  
3/XX/2021
 $                                           148,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3.4
494469827
  
3/XX/2021
 $                                           215,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494423149
  
4/XX/2021
 $                                          387,000.00
  
XXXX
XXXX
4/XX/2021
                                                                                            
Eligible
  
494482802
  
4/XX/2021
 $                                          227,500.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494440450
  
3/XX/2021
 $                                           247,100.00
  
XXXX
XXXX
1/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494443344
  
4/XX/2021
 $                                          262,500.00
XXXX
XXXX
XXXX
4/XX/2021
                                                                                            
Eligible
  
494446853
  
3/XX/2021
 $                                           310,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.6
494500485
  
3/XX/2021
 $                                           129,750.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
1.5
494443622
  
3/XX/2021
 $                                          348,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
5
494430459
  
4/XX/2021
 $                                            93,937.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                              
Not Eligible
  
494441706
  
3/XX/2021
 $                                          258,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494444698
  
3/XX/2021
 $                                          248,500.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494443931
  
4/XX/2021
 $                                          548,250.00
  
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494460370
  
2/XX/2021
 $                                            112,000.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
1.4
494439785
  
3/XX/2021
 $                                           192,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494439580
  
3/XX/2021
 $                                            80,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
4.4
494444842
  
3/XX/2021
 $                                            212,210.00
  
XXXX
XXXX
12/XX/2020
                                                                                            
Eligible
  
494467801
  
2/XX/2021
 $                                          600,000.00
XXXX
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494438174
  
3/XX/2021
 $                                            78,000.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                                
5
494444487
  
3/XX/2021
 $                                           212,500.00
XXXX
XXXX
XXXX
2/XX/2021
                                                                                              
1.1
494483627
  
4/XX/2021
 $                                           122,250.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494481282
  
3/XX/2021
 $                                          300,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3
494435614
  
3/XX/2021
 $                                            164,515.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494461937
  
2/XX/2021
 $                                           108,000.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
999
494448166
  
4/XX/2021
 $                                           651,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494443900
  
3/XX/2021
 $                                            114,750.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
2
494439590
  
3/XX/2021
 $                                          500,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494439989
  
3/XX/2021
 $                                            92,500.00
  
XXXX
XXXX
2/XX/2021
                                                                                            
Eligible
  
494442828
  
3/XX/2021
 $                                           190,460.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.2
494435752
  
3/XX/2021
 $                                           189,000.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494489646
  
3/XX/2021
 $                                          244,500.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2.4
494468280
  
4/XX/2021
 $                                          300,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494430462
  
4/XX/2021
 $                                           145,000.00
  
XXXX
XXXX
4/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494439495
  
3/XX/2021
 $                                           165,000.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494529804
  
3/XX/2021
 $                                           165,000.00
  
XXXX
XXXX
12/XX/2020
                                                                                            
Eligible
  
494438641
  
3/XX/2021
 $                                           183,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494463675
  
4/XX/2021
 $                                          236,250.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494430805
  
3/XX/2021
 $                                           371,250.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.2
494451616
  
4/XX/2021
 $                                          320,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494453992
  
4/XX/2021
 $                                           126,500.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1
494432963
  
4/XX/2021
 $                                           105,800.00
  
XXXX
XXXX
2/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494423884
  
4/XX/2021
 $                                           138,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.2
494450291
  
4/XX/2021
 $                                           138,960.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2
494428151
  
4/XX/2021
 $                                           103,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2
494433711
  
4/XX/2021
 $                                          330,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494443357
  
4/XX/2021
 $                                           304,125.00
XXXX
XXXX
XXXX
4/XX/2021
                                                                                              
1.2
494427036
  
4/XX/2021
 $                                          502,900.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2
494435997
  
3/XX/2021
 $                                          252,000.00
  
XXXX
XXXX
10/XX/2020
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494440820
  
3/XX/2021
 $                                          375,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494437339
  
3/XX/2021
 $                                           145,400.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                              
Not Eligible
  
494443845
  
3/XX/2021
 $                                          690,000.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494430121
  
4/XX/2021
 $                                            90,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.3
494451136
  
3/XX/2021
 $                                          249,750.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494462949
  
2/XX/2021
 $                                            96,600.00
XXXX
XXXX
XXXX
1/XX/2021
                                                                                              
1.5
494429290
  
3/XX/2021
 $                                          400,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494449118
  
4/XX/2021
 $                                           142,500.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2.3
494430922
  
4/XX/2021
 $                                            75,400.00
  
XXXX
XXXX
1/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494429049
  
4/XX/2021
 $                                            93,500.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3.9
494424499
  
4/XX/2021
 $                                          404,999.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2
494458986
  
2/XX/2021
 $                                          292,200.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
1.8
494443778
  
3/XX/2021
 $                                             61,600.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494500306
  
4/XX/2021
 $                                            53,000.00
  
XXXX
XXXX
1/XX/2021
                                                                                            
Eligible
  
494434965
  
4/XX/2021
 $                                            75,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
1.9
494485785
  
4/XX/2021
 $                                           315,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494448305
  
4/XX/2021
 $                                          233,250.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494439897
  
3/XX/2021
 $                                          279,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
2
494430136
  
4/XX/2021
 $                                           120,600.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
2.5
494453199
  
4/XX/2021
 $                                          348,750.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494439054
  
3/XX/2021
 $                                           120,700.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494423535
  
3/XX/2021
 $                                           167,000.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
2.1
494459699
  
4/XX/2021
 $                                            88,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
1.2
494436279
  
4/XX/2021
 $                                             81,400.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
1
494440922
  
3/XX/2021
 $                                           169,400.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494430392
  
4/XX/2021
 $                                            141,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.9
494499022
  
4/XX/2021
 $                                           165,742.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494428446
  
4/XX/2021
 $                                           154,500.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.6
494443908
  
3/XX/2021
 $                                          336,800.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
2.3
494432887
  
3/XX/2021
 $                                           120,000.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
2.8
494478272
  
4/XX/2021
 $                                          470,000.00
XXXX
XXXX
XXXX
4/XX/2021
                                                                                            
Eligible
  
494429923
  
4/XX/2021
 $                                          440,000.00
  
XXXX
XXXX
4/XX/2021
                                                                                              
1.6
494431403
  
3/XX/2021
 $                                           215,000.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494424447
  
4/XX/2021
 $                                            60,000.00
XXXX
XXXX
XXXX
1/XX/2021
                                                                                              
2
494443601
  
3/XX/2021
 $                                          464,090.00
  
XXXX
XXXX
1/XX/2021
                                                                                            
Eligible
  
494444793
  
3/XX/2021
 $                                          468,200.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494432010
  
4/XX/2021
 $                                           184,200.00
  
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494513313
  
3/XX/2021
 $                                           165,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
2.1
494461333
  
4/XX/2021
 $                                           183,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494535029
  
4/XX/2021
 $                                           150,900.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3
494523164
  
4/XX/2021
 $                                            85,000.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
2.2
494441769
  
3/XX/2021
 $                                          352,500.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494431863
  
4/XX/2021
 $                                          236,250.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.3
494464718
  
4/XX/2021
 $                                           129,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494431447
  
4/XX/2021
 $                                           100,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.3
494442554
  
3/XX/2021
 $                                           174,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.2
494433510
  
4/XX/2021
 $                                             61,600.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.6
494438915
  
3/XX/2021
 $                                          292,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494435845
  
4/XX/2021
 $                                          246,300.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494436305
  
4/XX/2021
 $                                          446,250.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494438662
  
3/XX/2021
 $                                          403,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
2.1
494454951
  
4/XX/2021
 $                                          300,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494438315
  
4/XX/2021
 $                                          323,250.00
XXXX
XXXX
XXXX
4/XX/2021
                                                                                              
1.1
494468566
  
4/XX/2021
 $                                           216,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
4
494458034
  
4/XX/2021
 $                                             61,625.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494441785
  
3/XX/2021
 $                                           416,000.00
  
XXXX
XXXX
12/XX/2020
                                                                                              
1
494430753
  
4/XX/2021
 $                                           176,250.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494453742
  
3/XX/2021
 $                                           213,900.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494444141
  
3/XX/2021
 $                                          227,250.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494438595
  
3/XX/2021
 $                                           100,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494473614
  
4/XX/2021
 $                                            94,350.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494441127
  
3/XX/2021
 $                                            99,750.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
1.8
494428356
  
4/XX/2021
 $                                          255,750.00
XXXX
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3.8
494463695
  
4/XX/2021
 $                                          259,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.7
494469421
  
3/XX/2021
 $                                           157,500.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3.8
494451282
  
4/XX/2021
 $                                          489,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                                
No Score Noted
494460428
  
2/XX/2021
 $                                            90,000.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
2.1
494440738
  
3/XX/2021
 $                                          820,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
2.1
494446462
  
4/XX/2021
 $                                           403,125.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494440745
  
3/XX/2021
 $                                            76,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3.2
494434340
  
3/XX/2021
 $                                           172,000.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494439591
  
3/XX/2021
 $                                          330,500.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494484747
  
3/XX/2021
 $                                          277,000.00
  
XXXX
XXXX
2/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494429320
  
4/XX/2021
 $                                           104,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
1
494435995
  
3/XX/2021
 $                                           165,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
2.3
494430182
  
3/XX/2021
 $                                          225,877.00
  
XXXX
XXXX
2/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494424997
  
4/XX/2021
 $                                          253,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494434694
  
3/XX/2021
 $                                           162,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                            
Eligible
  
494450135
  
4/XX/2021
 $                                          233,000.00
  
XXXX
XXXX
4/XX/2021
                                                                                              
1
494441730
  
3/XX/2021
 $                                          236,250.00
  
XXXX
XXXX
12/XX/2020
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
4.1
494435616
  
3/XX/2021
 $                                           159,986.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494439683
  
3/XX/2021
 $                                          528,750.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
2
494450175
  
4/XX/2021
 $                                           281,000.00
XXXX
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494430539
  
4/XX/2021
 $                                           124,950.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2.2
494437133
  
3/XX/2021
 $                                          356,553.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.4
494461617
  
3/XX/2021
 $                                          260,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
3.7
494431457
  
4/XX/2021
 $                                          222,640.00
XXXX
XXXX
XXXX
1/XX/2021
                    
XXXX
XXX
XXX%
XXXX
6/XX/2021
                                                                
3.3
494419008
  
4/XX/2021
 $                                           176,250.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
1
494516161
  
3/XX/2021
 $                                           261,000.00
  
XXXX
XXXX
2/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494503355
  
4/XX/2021
 $                                          266,000.00
  
XXXX
XXXX
1/XX/2021
                                                                                            
Eligible
  
494445609
  
3/XX/2021
 $                                           187,500.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.3
494469422
  
3/XX/2021
 $                                           198,200.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494434659
  
4/XX/2021
 $                                          507,779.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2
494421247
  
4/XX/2021
 $                                       1,054,500.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494431733
  
4/XX/2021
 $                                            62,400.00
XXXX
XXXX
XXXX
2/XX/2021
                                                                                              
2.5
494438798
  
3/XX/2021
 $                                          648,000.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494477617
  
3/XX/2021
 $                                          393,000.00
  
XXXX
XXXX
2/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494447916
  
4/XX/2021
 $                                          442,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494440781
  
3/XX/2021
 $                                           305,150.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
4.3
494450745
  
3/XX/2021
 $                                            161,990.00
XXXX
XXXX
XXXX
12/XX/2020
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
4
494513177
  
3/XX/2021
 $                                           157,000.00
  
XXXX
XXXX
1/XX/2021
                                                                                            
Eligible
  
494451899
  
4/XX/2021
 $                                           126,750.00
XXXX
XXXX
XXXX
4/XX/2021
                                                                                            
Eligible
  
494440973
  
3/XX/2021
 $                                          235,000.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494482241
  
4/XX/2021
 $                                           175,000.00
  
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494453899
  
3/XX/2021
 $                                           201,200.00
  
XXXX
XXXX
1/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494445629
  
3/XX/2021
 $                                          395,272.00
XXXX
XXXX
XXXX
2/XX/2021
                                                                                              
2.2
494439398
  
3/XX/2021
 $                                          375,000.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
No Score Noted
494430120
  
4/XX/2021
 $                                           132,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494474641
  
4/XX/2021
 $                                            312,100.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494435751
  
3/XX/2021
 $                                            121,500.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
2.1
494441107
  
3/XX/2021
 $                                            64,000.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                              
1
494440452
  
3/XX/2021
 $                                           162,000.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
2.5
494450505
  
3/XX/2021
 $                                          333,000.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                        
XXXX
XXXX
XXX%
  
5/XX/2021
                          
494439647
  
3/XX/2021
 $                                           139,900.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494427305
  
4/XX/2021
 $                                           202,313.00
XXXX
XXXX
XXXX
4/XX/2021
                                                                                            
Eligible
  
494498831
  
4/XX/2021
 $                                          472,750.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
1.3
494431674
  
4/XX/2021
 $                                          548,250.00
XXXX
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
5
494444459
  
3/XX/2021
 $                                           198,000.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                                                            
494459830
  
4/XX/2021
 $                                          294,000.00
XXXX
XXXX
XXXX
4/XX/2021
                                                                                              
1
494438753
  
3/XX/2021
 $                                           316,000.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
5
494477862
  
4/XX/2021
 $                                            86,250.00
XXXX
XXXX
XXXX
3/XX/2021
                                                                                            
Eligible
  
494445626
  
3/XX/2021
 $                                           246,218.00
XXXX
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                                
4.1
494444645
  
3/XX/2021
 $                                          373,000.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494520840
  
3/XX/2021
 $                                          336,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494443512
  
3/XX/2021
 $                                          338,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1.6
494481354
  
3/XX/2021
 $                                           162,000.00
  
XXXX
XXXX
3/XX/2021
          
XXXX
XXXX
XXX%
XX
5/XX/2021
                                        
XXXX
XXXX
XXX%
  
5/XX/2021
                          
494427918
  
3/XX/2021
 $                                           106,400.00
  
XXXX
XXXX
2/XX/2021
                                                                                              
2
494473945
  
4/XX/2021
 $                                          244,000.00
  
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494469228
  
3/XX/2021
 $                                          293,500.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2.1
494419296
  
4/XX/2021
 $                                          286,000.00
  
XXXX
XXXX
2/XX/2021
                                                                                            
Eligible
  
494438877
  
3/XX/2021
 $                                          525,000.00
  
XXXX
XXXX
2/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494422433
  
4/XX/2021
 $                                           125,625.00
XXXX
XXXX
XXXX
3/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494468205
  
4/XX/2021
 $                                           310,000.00
  
XXXX
XXXX
4/XX/2021
                    
XXXX
XXX
XXX%
XXXX
5/XX/2021
                                                              
Not Eligible
  
494492391
  
3/XX/2021
 $                                          548,000.00
  
XXXX
XXXX
1/XX/2021
                                                                                              
2
494436990
  
3/XX/2021
 $                                           156,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
1
494442968
  
3/XX/2021
 $                                          350,000.00
  
XXXX
XXXX
3/XX/2021
                                                                                              
2.3
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